Logo image of CFFI

C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis

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

67.3  +1.14 (+1.72%)

After market: 67.3 0 (0%)

Fundamental Rating

3

Taking everything into account, CFFI scores 3 out of 10 in our fundamental rating. CFFI was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of CFFI have multiple concerns. CFFI has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

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

CFFI has a Return On Assets (0.83%) which is comparable to the rest of the industry.
CFFI's Return On Equity of 9.29% is in line compared to the rest of the industry. CFFI outperforms 58.84% 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 71.97% 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

More info and screens

2

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.
The debt/assets ratio for CFFI is higher compared to a year ago.
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

CFFI has a debt to FCF ratio of 3.18. This is a good value and a sign of high solvency as CFFI would need 3.18 years to pay back of 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 64.65% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that CFFI is somewhat dependend on debt financing.
The Debt to Equity ratio of CFFI (0.51) is worse than 78.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 3.18
Altman-Z N/A
ROIC/WACCN/A
WACC16.46%
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

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.19% over the past year.
The Earnings Per Share has been growing slightly by 2.17% on average over the past years.
The Revenue has been growing slightly by 2.93% in the past year.
The Revenue has been growing slightly by 2.50% on average over the past years.
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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.07, which indicates a very decent valuation of CFFI.
Based on the Price/Earnings ratio, CFFI is valued cheaply inside the industry as 82.32% of the companies are valued more expensively.
CFFI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
Industry RankSector Rank
PE 10.07
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

Based on the Price/Free Cash Flow ratio, CFFI is valued cheaper than 88.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.81
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)4.65
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

CFFI has a Yearly Dividend Yield of 2.78%.
Compared to an average industry Dividend Yield of 3.29, CFFI has a dividend in line with its industry peers.
CFFI's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 2.78%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

More info and screens

C & F FINANCIAL CORP

NASDAQ:CFFI (7/18/2025, 8:00:00 PM)

After market: 67.3 0 (0%)

67.3

+1.14 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-23 2025-07-23
Inst Owners39.2%
Inst Owner Change-0.06%
Ins Owners6.32%
Ins Owner Change2.07%
Market Cap218.05M
Analysts0
Price TargetN/A
Short Float %3.02%
Short Ratio4.64
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
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 10.07
Fwd PE N/A
P/S 1.69
P/FCF 5.81
P/OCF 5.34
P/B 0.93
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)6.68
EY9.93%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)11.59
FCFY17.21%
OCF(TTM)12.59
OCFY18.71%
SpS39.89
BVpS72.42
TBVpS64.31
PEG (NY)N/A
PEG (5Y)4.65
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
WACC16.46%
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