CFFI C & F Financial Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: CFFI

Price (delayed)

$37.975

Market cap

$128.11M

P/E Ratio

5.49

Dividend/share

$1.76

EPS

$6.92

Enterprise value

$162.49M

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
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 7.3 and 24% lower than the last 4 quarters average of 7.2
C & F Financial's equity has increased by 11% YoY and by 9% from the previous quarter
C & F Financial's debt has decreased by 26% from the previous quarter but it has increased by 19% YoY
CFFI's net income is down by 19% year-on-year and by 18% since the previous quarter
The EPS has declined by 17% since the previous quarter and by 17% year-on-year
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.cffc.com
Peers: CCNE MTB WFC PNC

Key stats

What are the main financial stats of CFFI
Market
Shares outstanding
3.37M
Market cap
$128.11M
Enterprise value
$162.49M
Valuations
Price to earnings (P/E)
5.49
Price to book (P/B)
0.59
Price to sales (P/S)
1.07
EV/EBIT
5.6
EV/EBITDA
4.94
EV/Sales
1.36
Earnings
Revenue
$119.05M
EBIT
$29.02M
EBITDA
$32.9M
Free cash flow
$37.35M
Per share
EPS
$6.92
Free cash flow per share
$11.09
Book value per share
$64.38
Revenue per share
$35.34
TBVPS
$716.02
Balance sheet
Total assets
$2.44B
Total liabilities
$2.22B
Debt
$109.54M
Equity
$216.88M
Working capital
N/A
Liquidity
Debt to equity
0.51
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.04
Margins
EBITDA margin
27.6%
Gross margin
100%
Net margin
19.8%
Operating margin
24.5%
Efficiency
Return on assets
1%
Return on equity
11.5%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
24.4%
Dividend
Dividend yield
4.63%
DPS
$1.76
Payout ratio
25.4%

CFFI stock price

How has the C & F Financial stock price performed over time
Intraday
0.62%
1 week
2.72%
1 month
-20.27%
1 year
-27.14%
YTD
-44.31%
QTD
-22.5%

Financial performance

How have C & F Financial's revenue and profit performed over time
Revenue
$119.05M
Gross profit
$119.05M
Operating income
$29.16M
Net income
$23.6M
Gross margin
100%
Net margin
19.8%
C & F Financial's operating income has decreased by 21% YoY and by 18% from the previous quarter
The company's operating margin fell by 21% YoY and by 15% QoQ
C & F Financial's net margin has decreased by 19% YoY and by 15% from the previous quarter
CFFI's net income is down by 19% year-on-year and by 18% since 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
5.49
P/B
0.59
P/S
1.07
EV/EBIT
5.6
EV/EBITDA
4.94
EV/Sales
1.36
The price to earnings (P/E) is 25% lower than the 5-year quarterly average of 7.3 and 24% lower than the last 4 quarters average of 7.2
The EPS has declined by 17% since the previous quarter and by 17% year-on-year
CFFI's P/B is 34% below its 5-year quarterly average of 0.9 and 34% below its last 4 quarters average of 0.9
C & F Financial's equity has increased by 11% YoY and by 9% from the previous quarter
CFFI's P/S is 33% below its last 4 quarters average of 1.6 and 29% below its 5-year quarterly average of 1.5
The revenue has declined by 4.1% since the previous quarter

Efficiency

How efficient is C & F Financial business performance
The company's return on invested capital fell by 25% YoY and by 14% QoQ
The return on equity has declined by 23% year-on-year and by 20% since the previous quarter
The ROA has decreased by 23% YoY and by 17% from the previous quarter
The return on sales has declined by 21% year-on-year and by 15% since the previous quarter

Dividends

What is CFFI's dividend history
Dividend details
DPS
$1.76
Dividend yield
4.63%
Payout ratio
25.4%
Recent dividends

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 4.6% YoY
The company's total liabilities rose by 4% YoY
C & F Financial's debt is 49% less than its equity
CFFI's debt to equity is down by 31% from the previous quarter but it is up by 9% YoY
C & F Financial's debt has decreased by 26% from the previous quarter but it has increased by 19% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.