C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $280.46 million. The enterprise value is $304.53 million.

Market Cap	280.46M
Enterprise Value	304.53M

Important Dates

The next estimated earnings date is Thursday, July 23, 2026.

Earnings Date	Jul 23, 2026
Ex-Dividend Date	Jun 15, 2026

Share Statistics

C&F Financial has 3.25 million shares outstanding. The number of shares has decreased by -0.76% in one year.

Current Share Class	3.25M
Shares Outstanding	3.25M
Shares Change (YoY)	-0.76%
Shares Change (QoQ)	+0.31%
Owned by Insiders (%)	7.02%
Owned by Institutions (%)	40.88%
Float	3.03M

Valuation Ratios

The trailing PE ratio is 9.90.

PE Ratio	9.90
Forward PE	n/a
PS Ratio	2.12
Forward PS	n/a
PB Ratio	1.05
P/TBV Ratio	1.17
P/FCF Ratio	24.77
P/OCF Ratio	20.46
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	10.79
EV / Sales	2.30
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	26.89

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	9.35
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.32%.

Return on Equity (ROE)	11.32%
Return on Assets (ROA)	1.05%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.50%
Revenue Per Employee	$230,203
Profits Per Employee	$49,068
Employee Count	575
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, C&F Financial has paid $6.50 million in taxes.

Income Tax	6.50M
Effective Tax Rate	18.63%

Stock Price Statistics

The stock price has increased by +44.76% in the last 52 weeks. The beta is 0.35, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	+44.76%
50-Day Moving Average	75.42
200-Day Moving Average	72.58
Relative Strength Index (RSI)	68.02
Average Volume (20 Days)	8,195

Short Selling Information

The latest short interest is 34,564, so 1.06% of the outstanding shares have been sold short.

Short Interest	34,564
Short Previous Month	30,118
Short % of Shares Out	1.06%
Short % of Float	1.14%
Short Ratio (days to cover)	6.41

Income Statement

In the last 12 months, C&F Financial had revenue of $132.37 million and earned $28.21 million in profits. Earnings per share was $8.71.

Revenue	132.37M
Gross Profit	132.37M
Operating Income	34.89M
Pretax Income	34.89M
Net Income	28.21M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.71

Full Income Statement

Balance Sheet

The company has $81.80 million in cash and $105.87 million in debt, giving a net cash position of -$24.07 million or -$7.40 per share.

Cash & Cash Equivalents	81.80M
Total Debt	105.87M
Net Cash	-24.07M
Net Cash Per Share	-$7.40
Equity (Book Value)	266.11M
Book Value Per Share	81.73
Working Capital	-2.28B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $13.71 million and capital expenditures -$2.38 million, giving a free cash flow of $11.32 million.

Operating Cash Flow	13.71M
Capital Expenditures	-2.38M
Depreciation & Amortization	n/a
Net Borrowing	13.09M
Free Cash Flow	11.32M
FCF Per Share	$3.48

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	26.36%
Pretax Margin	26.36%
Profit Margin	21.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	8.55%

Dividends & Yields

This stock pays an annual dividend of $1.92, which amounts to a dividend yield of 2.23%.

Dividend Per Share	$1.92
Dividend Yield	2.23%
Dividend Growth (YoY)	4.44%
Years of Dividend Growth	1
Payout Ratio	21.60%
Buyback Yield	0.76%
Shareholder Yield	2.98%
Earnings Yield	10.06%
FCF Yield	4.04%

Dividend Details

Analyst Forecast

The average price target for C&F Financial is $34.00, which is -60.55% lower than the current price. The consensus rating is "Buy".

Price Target	$34.00
Price Target Difference	-60.55%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Splits

The last stock split was on July 21, 1998. It was a forward split with a ratio of 2:1.

Last Split Date	Jul 21, 1998
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3