C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis
USA - NASDAQ:CFFI - US12466Q1040 - Common Stock
69.23 USD
-1.45 (-2.05%)
Overall CFFI gets a fundamental rating of 3 out of 10. We evaluated CFFI against 390 industry peers in the Banks industry. CFFI has a bad profitability rating. Also its financial health evaluation is rather negative. CFFI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CFFI was profitable.
CFFI had a positive operating cash flow in the past year.
In the past 5 years CFFI has always been profitable.
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.
With a decent Return On Equity value of 10.19%, CFFI is doing good in the industry, outperforming 66.67% of the companies in the same industry.
| 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 69.49% of its industry peers.
CFFI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CFFI so they could not be analyzed.
| 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.
CFFI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CFFI has been reduced compared to 5 years ago.
CFFI has a worse debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 4.65, CFFI is not doing good in the industry: 65.38% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.61 indicates that CFFI is somewhat dependend on debt financing.
The Debt to Equity ratio of CFFI (0.61) is worse 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%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 42.80% over the past year.
The Earnings Per Share has been growing slightly by 2.17% on average over the past years.
Looking at the last year, CFFI shows a small growth in Revenue. The Revenue has grown by 7.38% in the last year.
The Revenue has been growing slightly by 2.50% on average over the past years.
EPS 1Y (TTM)42.8%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%32.11%
Revenue 1Y (TTM)7.38%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%7.64%
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
The Price/Earnings ratio is 8.56, which indicates a very decent valuation of CFFI.
Based on the Price/Earnings ratio, CFFI is valued cheaply inside the industry as 86.67% of the companies are valued more expensively.
CFFI is valuated cheaply when we compare the Price/Earnings ratio to 25.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | N/A |
4.2 Price Multiples
85.38% of the companies in the same industry are more expensive than CFFI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.95
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.69%, CFFI has a reasonable but not impressive dividend return.
CFFI's Dividend Yield is comparable with the industry average which is at 3.42.
CFFI's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
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
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
NASDAQ:CFFI (11/6/2025, 8:00:01 PM)
69.23
-1.45 (-2.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.17%
Inst Owner Change-1.34%
Ins Owners6.28%
Ins Owner Change-0.86%
Market Cap224.31M
Revenue(TTM)137.01M
Net Income(TTM)24.48M
Analysts0
Price TargetN/A
Short Float %2.09%
Short Ratio9.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
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 | 8.56 | ||
| Fwd PE | N/A | ||
| P/S | 1.67 | ||
| P/FCF | 7.14 | ||
| P/OCF | 6.46 | ||
| P/B | 0.93 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.09
EY11.69%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)9.7
FCFY14.01%
OCF(TTM)10.72
OCFY15.48%
SpS41.5
BVpS74.17
TBVpS66.08
PEG (NY)N/A
PEG (5Y)3.95
Graham Number116.19
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%
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)42.8%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%32.11%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.38%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%7.64%
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%.