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Price (delayed)
$72.05
Market cap
$232.39M
P/E Ratio
12.71
Dividend/share
$1.76
EPS
$5.67
Enterprise value
$325.52M
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 equity has increased by 14% YoY and by 4.1% from the previous quarter
C & F Financial's debt has increased by 20% from the previous quarter but it has decreased by 3.2% YoY
The price to earnings (P/E) is 77% higher than the 5-year quarterly average of 7.2 and 38% higher than the last 4 quarters average of 9.2
CFFI's net income is down by 35% year-on-year and by 2.1% since the previous quarter
Key stats
What are the main financial stats of CFFI
Market
Valuations
Earnings
Shares outstanding
3.23M
Market cap
$232.39M
Enterprise value
$325.52M
Price to earnings (P/E)
12.71
Price to book (P/B)
1.04
Price to sales (P/S)
2.04
EV/EBIT
14.16
EV/EBITDA
12.15
EV/Sales
2.82
Revenue
$115.37M
Gross profit
$115.37M
Net income
$18.87M
EBIT
$22.98M
EBITDA
$26.79M
Free cash flow
$16.47M
Per share
Balance sheet
Liquidity
EPS
$5.67
EPS diluted
$5.67
Free cash flow per share
$5.04
Book value per share
$69.59
Revenue per share
$35.31
TBVPS
$772.75
Total assets
$2.55B
Total liabilities
$2.32B
Debt
$142.33M
Equity
$227.34M
Working capital
N/A
Debt to equity
0.63
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.48
Margins
Efficiency
Dividend
EBITDA margin
23.2%
Gross margin
100%
Net margin
16.4%
Operating margin
20%
Return on assets
0.8%
Return on equity
8.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
19.9%
Dividend yield
2.44%
DPS
$1.76
Payout ratio
31%
CFFI stock price
How has the C & F Financial stock price performed over time
Intraday
1.41%
1 week
-6.26%
1 month
-2.88%
1 year
5.91%
YTD
5.66%
QTD
23.48%
Financial performance
How have C & F Financial's revenue and profit performed over time
Revenue
$115.37M
Gross profit
$115.37M
Operating income
$23.1M
Net income
$18.87M
Gross margin
100%
Net margin
16.4%
CFFI's net income is down by 35% year-on-year and by 2.1% since the previous quarter
C & F Financial's operating income has decreased by 35% YoY
The company's operating margin fell by 30% YoY and by 2.9% QoQ
C & F Financial's net margin has decreased by 29% YoY and by 3% 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
12.71
P/B
1.04
P/S
2.04
EV/EBIT
14.16
EV/EBITDA
12.15
EV/Sales
2.82
The price to earnings (P/E) is 77% higher than the 5-year quarterly average of 7.2 and 38% higher than the last 4 quarters average of 9.2
The EPS has declined by 32% year-on-year
CFFI's P/B is 16% above its 5-year quarterly average of 0.9 and 16% above its last 4 quarters average of 0.9
C & F Financial's equity has increased by 14% YoY and by 4.1% from the previous quarter
CFFI's P/S is 46% above its 5-year quarterly average of 1.4 and 28% above its last 4 quarters average of 1.6
The revenue has declined by 7% 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 5% since the previous quarter
The company's return on invested capital fell by 36% YoY
The ROA has decreased by 33% YoY
The return on sales has declined by 30% year-on-year and by 2.9% since the previous quarter
Dividends
What is CFFI's dividend history
DPS
$1.76
Dividend yield
2.44%
Payout ratio
31%
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 5% YoY and by 2.4% QoQ
The company's total liabilities rose by 4.6% YoY and by 2.2% QoQ
C & F Financial's debt is 37% less than its equity
C & F Financial's debt has increased by 20% from the previous quarter but it has decreased by 3.2% YoY
CFFI's debt to equity is up by 17% from the previous quarter but it is down by 15% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.