CFFI Fundamental Analysis - C & F FINANCIAL CORP

Fundamental Rating

Taking everything into account, CFFI scores 3 out of 10 in our fundamental rating. CFFI was compared to 391 industry peers in the Banks industry. CFFI may be in some trouble as it scores bad on both profitability and health. CFFI has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year CFFI was profitable.

CFFI had a positive operating cash flow in the past year.

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's Return On Assets of 0.91% is in line compared to the rest of the industry. CFFI outperforms 53.96% of its industry peers.

CFFI's Return On Equity of 10.19% is fine compared to the rest of the industry. CFFI outperforms 67.77% 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

The Profit Margin of CFFI (18.21%) is worse than 67.52% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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

2.2 Solvency

The Debt to FCF ratio of CFFI is 4.65, which is a neutral value as it means it would take CFFI, 4.65 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 4.65, CFFI is doing worse than 64.71% of the companies in the same industry.

A Debt/Equity ratio of 0.61 indicates that CFFI is somewhat dependend on debt financing.

CFFI's Debt to Equity ratio of 0.61 is on the low side compared to the rest of the industry. CFFI is outperformed by 78.77% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.61
Debt/FCF	4.65
Altman-Z	N/A

ROIC/WACCN/A

WACC16.09%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Earnings Per Share has been growing slightly by 2.17% on average over the past years.

CFFI shows a small growth in Revenue. In the last year, the Revenue has grown by 7.89%.

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.

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4. Valuation

4.1 Price/Earnings Ratio

CFFI is valuated reasonably with a Price/Earnings ratio of 9.31.

Based on the Price/Earnings ratio, CFFI is valued cheaply inside the industry as 87.72% of the companies are valued more expensively.

CFFI is valuated cheaply when we compare the Price/Earnings ratio to 27.43, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.31
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 85.68% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.25
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.29

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.56%, CFFI has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.56, CFFI has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.45, CFFI has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.56%

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 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

5.3 Sustainability

23.77% of the earnings are spent on dividend by CFFI. This is a low number and 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

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C & F FINANCIAL CORP

NASDAQ:CFFI (9/11/2025, 8:00:00 PM)

After market: 70.35 0 (0%)

70.35

-0.11 (-0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24

Earnings (Next)10-27 2025-10-27

Inst Owners40.22%

Inst Owner Change9.07%

Ins Owners6.32%

Ins Owner Change0.8%

Market Cap227.93M

Analysts0

Price TargetN/A

Short Float %2.74%

Short Ratio3.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.56%

Yearly Dividend1.75

Dividend Growth(5Y)3.43%

DP23.77%

Div Incr Years0

Div Non Decr Years14

Ex-Date09-15 2025-09-15 (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 Rank	Sector Rank
PE	9.31
Fwd PE	N/A
P/S	1.7
P/FCF	7.25
P/OCF	6.56
P/B	0.95
P/tB	1.06
EV/EBITDA	N/A

EPS(TTM)7.56

EY10.75%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)9.7

FCFY13.79%

OCF(TTM)10.72

OCFY15.23%

SpS41.5

BVpS74.17

TBVpS66.08

PEG (NY)N/A

PEG (5Y)4.29

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

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 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

WACC16.09%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens