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C & F FINANCIAL CORP

Calidad de datos: 100%

CFFI

NASDAQ Financial Services Depository Institutions

$77.51

▼ $0.08 (-0.10%)

6 months return

—

Momentum

Neutral

5Y revenue growth

1.15%

Crecimiento

Revenue Growth (5Y)

1.15%

Below sector avg (5.76%)

Revenue (1Y)10.63%

Earnings (1Y)35.30%

FCF Growth (3Y)-22.97%

Calidad

Return on Equity

10.87%

Above sector avg (9.22%)

ROICN/A

Net Margin19.05%

Op. MarginN/A

Seguridad

Debt / Equity

0.08

Below sector avg (0.49)

Current RatioN/A

Interest CoverageN/A

Valoración

PE (TTM)

9.17

Below sector avg (11.13)

P/B Ratio0.97

EV/EBITDAN/A

Dividend Yield2.46%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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

Price History

Tendencias Financieras

Precio Objetivo de Analistas

No hay cobertura de analistas disponible

Sorpresas de Ganancias

EPS

Reported Estimate

	Q42012	Q22013
Reported	$1.17	$1.22
Estimate	—	—
Sorpresa	—	—

Growth

Rev 5Y: 1.15% · Earnings 1Y: 35.30%

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

ROE: 10.87% · Net Margin: 19.05%

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

D/E: 0.08 · Current: N/A

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

Yield: 2.46% · Payout: 22.44%

Dividend Yield	2.46%	Payout Ratio	22.44%
Dividend Growth (3Y)	3.91%	Dividend Growth (5Y)	3.90%
Consecutive Div Years	20 yrs

Valuation

P/E: 9.17 · EV/EBITDA: N/A

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: 8.29 · FCF/Share: 6.81

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

FCF Conv: 82.58% · CapEx/Rev: 1.65%

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	—	—	—	—	—

Comparación con Pares

vs mediana del sector Financial Services (6628 pares)

Métrica	Acción	Mediana del Sector
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

HUSEX HUSEX

3.51% weight

HUSIX HUSIX

3.51% weight

BRSIX BRSIX

0.37% weight

QABA First Trust NASDAQ ABA Community Bank Index Fund

0.11% weight

BOSVX BOSVX

0.09% weight

BRUSX BRUSX

0.09% weight

BSVO EA Bridgeway Omni Small-Cap Value ETF

0.07% weight

GMSMX GMSMX

0.04% weight

GSMRX GSMRX

0.04% weight

GISMX GISMX

0.04% weight

Historial de Dividendos

Rendimiento

2.46%

Ratio de pago

22.44%

Crecimiento (3 años)

3.91%

Crecimiento (5 años)

3.90%

Pagos recientes por acción (más reciente primero).

Ex-dividendo	Pago	Monto / acción
Mar 13, 2026	—	$0.48
Dec 15, 2025	—	$0.46
Sep 15, 2025	—	$0.46
Jun 13, 2025	—	$0.46
Mar 14, 2025	—	$0.46
Dec 13, 2024	—	$0.44
Sep 13, 2024	—	$0.44
Jun 14, 2024	—	$0.44
Mar 14, 2024	—	$0.44
Dec 14, 2023	—	$0.44
Sep 14, 2023	—	$0.44
Jun 14, 2023	—	$0.44