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C & F FINANCIAL CORP

Data quality: 100%
CFFI
Nasdaq Financial Services Depository Institutions
$75.55
▲ $1.12 (1.50%)
Mkt Cap: 245.97 M
Price
$75.55
Mkt Cap
245.97 M
Day Range
$73.10 — $75.55
52-Week Range
$55.80 — $80.99
Volume
1,481
Open $73.10
50D / 200D Avg
$74.42
1.51% above
50D / 200D Avg
$69.99
7.94% above

Quick Summary

Key Takeaways

Revenue grew 1.15% annually over 5 years — modest growth
Earnings grew 35.30% over the past year
ROE of 10.87% — decent returns on equity
Net margin of 19.05% shows strong profitability
Debt/Equity of 0.08 — conservative balance sheet
Generating 22.16 M in free cash flow

Growth

Revenue Growth (5Y)
1.15%
Below sector avg (5.83%)
Revenue (1Y)10.63%
Earnings (1Y)35.30%
FCF Growth (3Y)-22.97%

Quality

Return on Equity
10.87%
Above sector avg (9.24%)
ROICN/A
Net Margin19.05%
Op. MarginN/A

Safety

Debt / Equity
0.08
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.17
Below sector avg (11.15)
P/B Ratio0.97
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 9.2 11.1
P/B 1.0 1.2
ROE % 10.9 9.2
Net Margin % 19.1 9.4
Rev Growth 5Y % 1.2 5.8
D/E 0.1 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.11% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.07% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.02% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.01% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 10.63% Revenue Growth (3Y) 5.18%
Earnings Growth (1Y) 35.30% Earnings Growth (3Y) 6.62%
Revenue Growth (5Y) 1.15% Earnings Growth (5Y) -1.64%
Profitability
Revenue (TTM) 140.84 M Net Income (TTM) 26.84 M
ROE 10.87% ROA 0.99%
Gross Margin N/A Operating Margin N/A
Net Margin 19.05% Free Cash Flow (TTM) 22.16 M
ROIC N/A FCF Growth (3Y) -22.97%
Safety
Debt / Equity 0.08 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.05
Working Capital N/A Tangible Book Value 227.13 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.17 Forward P/E N/A
P/B Ratio 0.97 P/S Ratio 1.75
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9.01%
Market Cap 245.97 M Enterprise Value 265.97 M
Per Share
EPS (Diluted TTM) 8.29 Revenue / Share 43.26
FCF / Share 6.81 OCF / Share 7.52
EPS CAGR (1Y) 37.94% EPS CAGR (5Y) 1.05%
EPS CAGR (10Y) 8.77%
Efficiency
CapEx / Revenue 1.65% FCF Conversion 82.58%
SBC-Adj. FCF 20.32 M Growth Momentum 9.48

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 140.84 M 127.31 M 127.32 M 121.95 M 134.53 M
Net Income 26.84 M 19.83 M 23.60 M 29.16 M 28.67 M
EPS (Diluted) 8.29 6.01 6.92 8.29 7.95
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 3.92 M 3.86 M 3.88 M 4.36 M 4.74 M
Interest Expense 106.21 M 96.78 M 26.43 M 7.89 M 8.36 M
Income Tax 6.08 M 4.22 M 5.42 M 7.60 M 8.96 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.77 B 2.56 B 2.44 B 2.33 B 2.26 B
Total Liabilities 2.51 B 2.34 B 2.22 B 2.14 B 2.05 B
Shareholders' Equity 261.75 M 226.36 M 216.88 M 195.63 M 210.32 M
Total Debt 20.00 M 28.99 M 58.22 M 36.59 M 34.74 M
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —