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C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis

NASDAQ:CFFI - Nasdaq - US12466Q1040 - Common Stock - Currency: USD

66.12  +0.96 (+1.47%)

Fundamental Rating

3

Taking everything into account, CFFI scores 3 out of 10 in our fundamental rating. CFFI was compared to 504 industry peers in the Banks industry. Both the profitability and financial health of CFFI have multiple concerns. CFFI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CFFI had positive earnings in the past year.
In the past year CFFI had a positive cash flow from operations.
In the past 5 years CFFI has always been profitable.
CFFI had a positive operating cash flow in 4 of the past 5 years.
CFFI Yearly Net Income VS EBIT VS OCF VS FCFCFFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

With a Return On Assets value of 0.83%, CFFI perfoms like the industry average, outperforming 51.01% of the companies in the same industry.
CFFI has a Return On Equity of 9.29%. This is comparable to the rest of the industry: CFFI outperforms 58.33% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 9.29%
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
CFFI Yearly ROA, ROE, ROICCFFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 16.87%, CFFI is doing worse than 72.22% of the companies in the same industry.
In the last couple of years the Profit Margin of CFFI has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for CFFI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.87%
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
CFFI Yearly Profit, Operating, Gross MarginsCFFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
CFFI has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CFFI has less shares outstanding
Compared to 1 year ago, CFFI has a worse debt to assets ratio.
CFFI Yearly Shares OutstandingCFFI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M
CFFI Yearly Total Debt VS Total AssetsCFFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of CFFI is 3.18, which is a good value as it means it would take CFFI, 3.18 years of fcf income to pay off all of its debts.
CFFI has a Debt to FCF ratio of 3.18. This is in the lower half of the industry: CFFI underperforms 64.90% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that CFFI is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.51, CFFI is doing worse than 78.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 3.18
Altman-Z N/A
ROIC/WACCN/A
WACC18.32%
CFFI Yearly LT Debt VS Equity VS FCFCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFFI Yearly Current Assets VS Current LiabilitesCFFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

3. Growth

3.1 Past

CFFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.19%, which is quite good.
Measured over the past 5 years, CFFI shows a small growth in Earnings Per Share. The EPS has been growing by 2.17% on average per year.
CFFI shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
CFFI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.50% yearly.
EPS 1Y (TTM)10.19%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%64.48%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%6.31%

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.
CFFI Yearly Revenue VS EstimatesCFFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.90, the valuation of CFFI can be described as reasonable.
CFFI's Price/Earnings ratio is a bit cheaper when compared to the industry. CFFI is cheaper than 76.77% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. CFFI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.9
Fwd PE N/A
CFFI Price Earnings VS Forward Price EarningsCFFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

CFFI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CFFI is cheaper than 87.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.71
EV/EBITDA N/A
CFFI Per share dataCFFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)4.57
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CFFI has a Yearly Dividend Yield of 2.72%.
CFFI's Dividend Yield is comparable with the industry average which is at 2.38.
Compared to an average S&P500 Dividend Yield of 2.38, CFFI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

The dividend of CFFI has a limited annual growth rate of 3.43%.
CFFI has been paying a dividend for at least 10 years, so it has 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
CFFI Yearly Dividends per shareCFFI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

CFFI pays out 26.54% 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.
DP26.54%
EPS Next 2YN/A
EPS Next 3YN/A
CFFI Yearly Income VS Free CF VS DividendCFFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M
CFFI Dividend Payout.CFFI Dividend Payout, showing the Payout Ratio.CFFI Dividend Payout.PayoutRetained Earnings

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C & F FINANCIAL CORP

NASDAQ:CFFI (6/5/2025, 8:00:00 PM)

66.12

+0.96 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-22 2025-07-22
Inst Owners38.21%
Inst Owner Change1.47%
Ins Owners7.01%
Ins Owner Change1.18%
Market Cap214.23M
Analysts0
Price TargetN/A
Short Float %0.78%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend1.75
Dividend Growth(5Y)3.43%
DP26.54%
Div Incr Years0
Div Non Decr Years14
Ex-Date06-13 2025-06-13 (0.46)
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 RankSector Rank
PE 9.9
Fwd PE N/A
P/S 1.66
P/FCF 5.71
P/OCF 5.25
P/B 0.91
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)6.68
EY10.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)11.59
FCFY17.52%
OCF(TTM)12.59
OCFY19.05%
SpS39.89
BVpS72.42
TBVpS64.31
PEG (NY)N/A
PEG (5Y)4.57
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 9.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.87%
GM N/A
FCFM 29.04%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 3.18
Debt/EBITDA N/A
Cap/Depr 83.62%
Cap/Sales 2.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 172.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.32%
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)10.19%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%64.48%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%6.31%
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-19.97%
FCF growth 3Y-38.79%
FCF growth 5YN/A
OCF growth 1Y-17.73%
OCF growth 3Y-37.47%
OCF growth 5YN/A