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Price (delayed)
$61.45
Market cap
$200.75M
P/E Ratio
10.72
Dividend/share
$1.76
EPS
$5.73
Enterprise value
$274.89M
C&F Bank operates 31 retail banking offices and three commercial loan offices located throughout the Hampton to Charlottesville corridor and the Northern Neck region in Virginia and offers full wealth
Highlights
C & F Financial's debt has decreased by 32% YoY and by 2.3% from the previous quarter
C & F Financial's equity has increased by 8% YoY
The price to earnings (P/E) is 52% higher than the 5-year quarterly average of 7.1 and 32% higher than the last 4 quarters average of 8.2
CFFI's net income is down by 35% year-on-year and by 6% since the previous quarter
Key stats
What are the main financial stats of CFFI
Market
Valuations
Earnings
Shares outstanding
3.27M
Market cap
$200.75M
Enterprise value
$274.89M
Price to earnings (P/E)
10.72
Price to book (P/B)
0.94
Price to sales (P/S)
1.81
EV/EBIT
11.72
EV/EBITDA
10.08
EV/Sales
2.41
Revenue
$114.04M
EBIT
$23.46M
EBITDA
$27.27M
Free cash flow
$40.34M
Per share
Balance sheet
Liquidity
EPS
$5.73
Free cash flow per share
$12.01
Book value per share
$65.06
Revenue per share
$33.96
TBVPS
$734.29
Total assets
$2.49B
Total liabilities
$2.27B
Debt
$118.8M
Equity
$218.46M
Working capital
N/A
Debt to equity
0.54
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.72
Margins
Efficiency
Dividend
EBITDA margin
23.9%
Gross margin
100%
Net margin
16.9%
Operating margin
20.6%
Return on assets
0.8%
Return on equity
9.1%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
20.6%
Dividend yield
2.86%
DPS
$1.76
Payout ratio
30.7%
CFFI stock price
How has the C & F Financial stock price performed over time
Intraday
-0.82%
1 week
0.8%
1 month
4.05%
1 year
16.16%
YTD
-9.88%
QTD
5.31%
Financial performance
How have C & F Financial's revenue and profit performed over time
Revenue
$114.04M
Gross profit
$114.04M
Operating income
$23.53M
Net income
$19.27M
Gross margin
100%
Net margin
16.9%
C & F Financial's operating income has decreased by 36% YoY and by 7% from the previous quarter
CFFI's net income is down by 35% year-on-year and by 6% since the previous quarter
The company's operating margin fell by 30% YoY and by 5% QoQ
C & F Financial's net margin has decreased by 28% YoY and by 4.5% from the previous quarter
Growth
What is C & F Financial's growth rate over time
Valuation
What is C & F Financial stock price valuation
P/E
10.72
P/B
0.94
P/S
1.81
EV/EBIT
11.72
EV/EBITDA
10.08
EV/Sales
2.41
The price to earnings (P/E) is 52% higher than the 5-year quarterly average of 7.1 and 32% higher than the last 4 quarters average of 8.2
The EPS has declined by 33% year-on-year and by 6% since the previous quarter
C & F Financial's equity has increased by 8% YoY
CFFI's P/B is 6% above its 5-year quarterly average of 0.9 and 6% above its last 4 quarters average of 0.9
CFFI's P/S is 30% above its 5-year quarterly average of 1.4 and 14% above its last 4 quarters average of 1.6
The revenue has declined by 9% year-on-year
Efficiency
How efficient is C & F Financial business performance
The return on equity has declined by 40% year-on-year and by 8% since the previous quarter
The company's return on invested capital fell by 40% YoY and by 10% QoQ
The ROA has decreased by 33% YoY
The return on sales has declined by 29% year-on-year and by 4.6% since the previous quarter
Dividends
What is CFFI's dividend history
DPS
$1.76
Dividend yield
2.86%
Payout ratio
30.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did C & F Financial financials performed over time
C & F Financial's total assets is 10% higher than its total liabilities
C & F Financial's total assets has increased by 3% YoY
The company's total liabilities rose by 2.5% YoY
C & F Financial's debt is 46% less than its equity
CFFI's debt to equity is down by 38% YoY and by 3.6% from the previous quarter
C & F Financial's debt has decreased by 32% YoY and by 2.3% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.