C & F FINANCIAL CORP (CFFI) Fundamental Analysis & Valuation

NASDAQ:CFFI • US12466Q1040

Current stock price

72.29 USD
+1.7 (+2.41%)
At close:
72.29 USD
0 (0%)
After Hours:

This CFFI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CFFI Profitability Analysis

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.97%, CFFI is in line with its industry, outperforming 55.38% of the companies in the same industry.
  • CFFI has a better Return On Equity (10.33%) than 65.35% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 10.33%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CFFI Yearly ROA, ROE, ROICCFFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • CFFI has a worse Profit Margin (19.10%) than 72.70% of its industry peers.
  • CFFI's Profit Margin has improved in the last couple of years.
  • CFFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.32%
PM growth 5Y3.67%
GM growth 3YN/A
GM growth 5YN/A
CFFI Yearly Profit, Operating, Gross MarginsCFFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. CFFI Health Analysis

2.1 Basic Checks

  • CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CFFI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CFFI Yearly Shares OutstandingCFFI Yearly Shares OutstandingYearly Shares Outstanding 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 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 2.03. This is a good value and a sign of high solvency as CFFI would need 2.03 years to pay back of all of its debts.
  • CFFI's Debt to FCF ratio of 2.03 is in line compared to the rest of the industry. CFFI outperforms 48.56% of its industry peers.
  • A Debt/Equity ratio of 0.45 indicates that CFFI is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.45, CFFI is not doing good in the industry: 74.28% of the companies in the same industry are doing better.
  • Even though the debt/equity ratio score it not favorable for CFFI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.03
Altman-Z N/A
ROIC/WACCN/A
WACC15.75%
CFFI Yearly LT Debt VS Equity VS FCFCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CFFI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.41% over the past year.
  • Measured over the past 5 years, CFFI shows a small growth in Earnings Per Share. The EPS has been growing by 6.22% on average per year.
  • The Revenue has grown by 10.63% in the past year. This is quite good.
  • CFFI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.28% yearly.
EPS 1Y (TTM)37.41%
EPS 3Y-0.21%
EPS 5Y6.22%
EPS Q2Q%10.59%
Revenue 1Y (TTM)10.63%
Revenue growth 3Y4.9%
Revenue growth 5Y0.28%
Sales Q2Q%11.96%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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4

4. CFFI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.72 indicates a reasonable valuation of CFFI.
  • Based on the Price/Earnings ratio, CFFI is valued cheaper than 88.98% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CFFI to the average of the S&P500 Index (25.23), we can say CFFI is valued rather cheaply.
Industry RankSector Rank
PE 8.72
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 93.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.21
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)1.4
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. CFFI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.52%, CFFI has a reasonable but not impressive dividend return.
  • CFFI's Dividend Yield is comparable with the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, CFFI pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.52%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 22.48% of the earnings are spent on dividend by CFFI. This is a low number and sustainable payout ratio.
  • CFFI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP22.48%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M
CFFI Dividend Payout.CFFI Dividend Payout, showing the Payout Ratio.CFFI Dividend Payout.PayoutRetained Earnings

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CFFI Fundamentals: All Metrics, Ratios and Statistics

C & F FINANCIAL CORP

NASDAQ:CFFI (3/20/2026, 8:00:00 PM)

After market: 72.29 0 (0%)

72.29

+1.7 (+2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-13
Inst Owners41.93%
Inst Owner Change-0.66%
Ins Owners6.28%
Ins Owner Change2.07%
Market Cap234.94M
Revenue(TTM)140.84M
Net Income(TTM)26.17M
Analysts0
Price TargetN/A
Short Float %1.29%
Short Ratio10.64
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend1.75
Dividend Growth(5Y)3.43%
DP22.48%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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 8.72
Fwd PE N/A
P/S 1.71
P/FCF 4.21
P/OCF 4.07
P/B 0.93
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)8.29
EY11.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)17.15
FCFY23.73%
OCF(TTM)17.77
OCFY24.58%
SpS42.16
BVpS77.93
TBVpS69.89
PEG (NY)N/A
PEG (5Y)1.4
Graham Number120.57
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 10.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.1%
GM N/A
FCFM 40.69%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-7.32%
PM growth 5Y3.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 2.03
Debt/EBITDA N/A
Cap/Depr 50.48%
Cap/Sales 1.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 213.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.75%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.41%
EPS 3Y-0.21%
EPS 5Y6.22%
EPS Q2Q%10.59%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.63%
Revenue growth 3Y4.9%
Revenue growth 5Y0.28%
Sales Q2Q%11.96%
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 1Y238.1%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y188.7%
OCF growth 3YN/A
OCF growth 5YN/A

C & F FINANCIAL CORP / CFFI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for C & F FINANCIAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to CFFI.


Can you provide the valuation status for C & F FINANCIAL CORP?

ChartMill assigns a valuation rating of 4 / 10 to C & F FINANCIAL CORP (CFFI). This can be considered as Fairly Valued.


How profitable is C & F FINANCIAL CORP (CFFI) stock?

C & F FINANCIAL CORP (CFFI) has a profitability rating of 3 / 10.


What are the PE and PB ratios of C & F FINANCIAL CORP (CFFI) stock?

The Price/Earnings (PE) ratio for C & F FINANCIAL CORP (CFFI) is 8.72 and the Price/Book (PB) ratio is 0.93.


Can you provide the financial health for CFFI stock?

The financial health rating of C & F FINANCIAL CORP (CFFI) is 2 / 10.