C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis
USA - NASDAQ:CFFI - US12466Q1040 - Common Stock
68.41 USD
-0.18 (-0.26%)
Taking everything into account, CFFI scores 3 out of 10 in our fundamental rating. CFFI was compared to 390 industry peers in the Banks industry. CFFI has a bad profitability rating. Also its financial health evaluation is rather negative. CFFI has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CFFI was profitable.
In the past year CFFI had a positive cash flow from operations.
CFFI had positive earnings in each of the past 5 years.
Of the past 5 years CFFI 4 years had a positive operating cash flow.
1.2 Ratios
CFFI has a Return On Assets (0.91%) which is comparable to the rest of the industry.
CFFI's Return On Equity of 10.19% is fine compared to the rest of the industry. CFFI outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 10.19% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1.06%
ROE(3y)11.52%
ROE(5y)11.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFFI has a Profit Margin of 18.21%. This is in the lower half of the industry: CFFI underperforms 69.23% of its industry peers.
In the last couple of years the Profit Margin of CFFI has remained more or less at the same level.
CFFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.21% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.93%
PM growth 5Y-1.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CFFI has less shares outstanding
CFFI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CFFI has a worse debt to assets ratio.
2.2 Solvency
CFFI has a debt to FCF ratio of 4.65. This is a neutral value as CFFI would need 4.65 years to pay back of all of its debts.
CFFI has a worse Debt to FCF ratio (4.65) than 64.87% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that CFFI is somewhat dependend on debt financing.
CFFI has a worse Debt to Equity ratio (0.61) than 79.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.12%, which is quite impressive.
CFFI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.17% yearly.
The Revenue has been growing slightly by 7.89% in the past year.
Measured over the past years, CFFI shows a small growth in Revenue. The Revenue has been growing by 2.50% on average per year.
EPS 1Y (TTM)32.12%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%58.56%
Revenue 1Y (TTM)7.89%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%16.71%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
CFFI is valuated reasonably with a Price/Earnings ratio of 9.05.
Based on the Price/Earnings ratio, CFFI is valued cheaper than 84.10% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.10. CFFI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.05 | ||
| Fwd PE | N/A |
4.2 Price Multiples
CFFI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CFFI is cheaper than 85.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.18
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.68%, CFFI has a reasonable but not impressive dividend return.
CFFI's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.37, CFFI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
5.2 History
The dividend of CFFI has a limited annual growth rate of 3.43%.
CFFI has paid a dividend for at least 10 years, which is a reliable track record.
CFFI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.43%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
CFFI pays out 23.77% of its income as dividend. This is a sustainable payout ratio.
The dividend of CFFI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP23.77%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:CFFI (10/31/2025, 8:00:01 PM)
68.41
-0.18 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.17%
Inst Owner Change0%
Ins Owners6.28%
Ins Owner Change-0.86%
Market Cap221.65M
Revenue(TTM)134.45M
Net Income(TTM)24.48M
Analysts0
Price TargetN/A
Short Float %2.09%
Short Ratio9.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
Yearly Dividend1.75
Dividend Growth(5Y)3.43%
DP23.77%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.05 | ||
| Fwd PE | N/A | ||
| P/S | 1.65 | ||
| P/FCF | 7.05 | ||
| P/OCF | 6.38 | ||
| P/B | 0.92 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.56
EY11.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)9.7
FCFY14.18%
OCF(TTM)10.72
OCFY15.66%
SpS41.5
BVpS74.17
TBVpS66.08
PEG (NY)N/A
PEG (5Y)4.18
Graham Number112.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 10.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.21% | ||
| GM | N/A | ||
| FCFM | 23.37% |
ROA(3y)1%
ROA(5y)1.06%
ROE(3y)11.52%
ROE(5y)11.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.93%
PM growth 5Y-1.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 4.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 83.52% | ||
| Cap/Sales | 2.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 128.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.08%
ROIC/WACCN/A
Cap/Depr(3y)68.42%
Cap/Depr(5y)110.05%
Cap/Sales(3y)2.22%
Cap/Sales(5y)3.52%
Profit Quality(3y)211.12%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.12%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%58.56%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.89%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%16.71%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-16.86%
FCF growth 3Y-38.79%
FCF growth 5YN/A
OCF growth 1Y-14.06%
OCF growth 3Y-37.47%
OCF growth 5YN/A
C & F FINANCIAL CORP / CFFI FAQ
Can you provide the ChartMill fundamental rating for C & F FINANCIAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to CFFI.
What is the valuation status for CFFI stock?
ChartMill assigns a valuation rating of 4 / 10 to C & F FINANCIAL CORP (CFFI). This can be considered as Fairly Valued.
Can you provide the profitability details for C & F FINANCIAL CORP?
C & F FINANCIAL CORP (CFFI) has a profitability rating of 3 / 10.
How financially healthy is C & F FINANCIAL CORP?
The financial health rating of C & F FINANCIAL CORP (CFFI) is 1 / 10.
How sustainable is the dividend of C & F FINANCIAL CORP (CFFI) stock?
The dividend rating of C & F FINANCIAL CORP (CFFI) is 5 / 10 and the dividend payout ratio is 23.77%.