C&F Financial Statistics
Total Valuation
C&F Financial has a market cap or net worth of $222.96 million. The enterprise value is $286.76 million.
Important Dates
The last earnings date was Thursday, July 24, 2025.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | Jun 13, 2025 |
Share Statistics
C&F Financial has 3.24 million shares outstanding. The number of shares has decreased by -3.82% in one year.
| Current Share Class | 3.24M |
| Shares Outstanding | 3.24M |
| Shares Change (YoY) | -3.82% |
| Shares Change (QoQ) | +0.12% |
| Owned by Insiders (%) | 6.86% |
| Owned by Institutions (%) | 42.24% |
| Float | 3.02M |
Valuation Ratios
The trailing PE ratio is 9.07.
| PE Ratio | 9.07 |
| Forward PE | n/a |
| PS Ratio | 1.82 |
| Forward PS | n/a |
| PB Ratio | 0.92 |
| P/TBV Ratio | 1.04 |
| P/FCF Ratio | 7.07 |
| P/OCF Ratio | 6.40 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.71 |
| EV / Sales | 2.35 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.12 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.75 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.70%.
| Return on Equity (ROE) | 10.70% |
| Return on Assets (ROA) | 0.95% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $223,991 |
| Profits Per Employee | $44,927 |
| Employee Count | 545 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, C&F Financial has paid $5.44 million in taxes.
| Income Tax | 5.44M |
| Effective Tax Rate | 18.11% |
Stock Price Statistics
The stock price has increased by +35.80% in the last 52 weeks. The beta is 0.51, so C&F Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.51 |
| 52-Week Price Change | +35.80% |
| 50-Day Moving Average | 64.76 |
| 200-Day Moving Average | 69.36 |
| Relative Strength Index (RSI) | 59.71 |
| Average Volume (20 Days) | 13,085 |
Short Selling Information
The latest short interest is 102,195, so 3.16% of the outstanding shares have been sold short.
| Short Interest | 102,195 |
| Short Previous Month | 100,627 |
| Short % of Shares Out | 3.16% |
| Short % of Float | 3.39% |
| Short Ratio (days to cover) | 5.74 |
Income Statement
In the last 12 months, C&F Financial had revenue of $122.08 million and earned $24.49 million in profits. Earnings per share was $7.56.
| Revenue | 122.08M |
| Gross Profit | 122.08M |
| Operating Income | 29.98M |
| Pretax Income | 23.46M |
| Net Income | 24.49M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $7.56 |
Full Income StatementBalance Sheet
The company has $84.74 million in cash and $149.39 million in debt, giving a net cash position of -$64.65 million or -$19.96 per share.
| Cash & Cash Equivalents | 84.74M |
| Total Debt | 149.39M |
| Net Cash | -64.65M |
| Net Cash Per Share | -$19.96 |
| Equity (Book Value) | 240.92M |
| Book Value Per Share | 74.21 |
| Working Capital | -2.16B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $34.72 million and capital expenditures -$3.30 million, giving a free cash flow of $31.43 million.
| Operating Cash Flow | 34.72M |
| Capital Expenditures | -3.30M |
| Free Cash Flow | 31.43M |
| FCF Per Share | $9.70 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 24.56% |
| Pretax Margin | 24.62% |
| Profit Margin | 20.06% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 25.74% |
Dividends & Yields
This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 2.67%.
| Dividend Per Share | $1.84 |
| Dividend Yield | 2.67% |
| Dividend Growth (YoY) | 2.27% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 23.81% |
| Buyback Yield | 3.82% |
| Shareholder Yield | 6.49% |
| Earnings Yield | 11.02% |
| FCF Yield | 14.15% |
Dividend DetailsAnalyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on July 21, 1998. It was a forward split with a ratio of 2:1.
| Last Split Date | Jul 21, 1998 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |