CFFI C & F Financial Corp

Price (delayed)

$51.08

Market cap

$171.52M

P/E Ratio

8.42

Dividend/share

$1.76

EPS

$6.07

Enterprise value

$237.89M

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 equity has increased by 7% YoY
C & F Financial's debt has decreased by 40% YoY but it has increased by 11% from the previous quarter
CFFI's net income is down by 31% year-on-year and by 13% since the previous quarter
The EPS has declined by 29% year-on-year and by 12% since the previous quarter

Key stats

What are the main financial stats of CFFI
Market
Shares outstanding
3.36M
Market cap
$171.52M
Enterprise value
$237.89M
Valuations
Price to earnings (P/E)
8.42
Price to book (P/B)
0.8
Price to sales (P/S)
1.49
EV/EBIT
9.48
EV/EBITDA
8.23
EV/Sales
2.05
Earnings
Revenue
$115.85M
EBIT
$25.09M
EBITDA
$28.92M
Free cash flow
$38.08M
Per share
EPS
$6.07
Free cash flow per share
$11.29
Book value per share
$64.13
Revenue per share
$34.34
TBVPS
$724.24
Balance sheet
Total assets
$2.47B
Total liabilities
$2.25B
Debt
$121.58M
Equity
$216.34M
Working capital
N/A
Liquidity
Debt to equity
0.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.29
Margins
EBITDA margin
25%
Gross margin
100%
Net margin
17.8%
Operating margin
21.8%
Efficiency
Return on assets
0.8%
Return on equity
9.9%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
21.7%
Dividend
Dividend yield
3.45%
DPS
$1.76
Payout ratio
29%

CFFI stock price

How has the C & F Financial stock price performed over time
Intraday
4.37%
1 week
3%
1 month
6.91%
1 year
-8.98%
YTD
-25.09%
QTD
5.98%

Financial performance

How have C & F Financial's revenue and profit performed over time
Revenue
$115.85M
Gross profit
$115.85M
Operating income
$25.21M
Net income
$20.56M
Gross margin
100%
Net margin
17.8%
C & F Financial's operating income has decreased by 33% YoY and by 14% from the previous quarter
CFFI's net income is down by 31% year-on-year and by 13% since the previous quarter
The company's operating margin fell by 29% YoY and by 11% QoQ
C & F Financial's net margin has decreased by 27% YoY and by 10% 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
8.42
P/B
0.8
P/S
1.49
EV/EBIT
9.48
EV/EBITDA
8.23
EV/Sales
2.05
The EPS has declined by 29% year-on-year and by 12% since the previous quarter
The price to earnings (P/E) is 17% higher than the 5-year quarterly average of 7.2 and 9% higher than the last 4 quarters average of 7.7
CFFI's P/B is 11% below its 5-year quarterly average of 0.9 and 11% below its last 4 quarters average of 0.9
C & F Financial's equity has increased by 7% YoY
CFFI's P/S is 7% below its last 4 quarters average of 1.6 but 6% above its 5-year quarterly average of 1.4
The revenue has declined by 5% year-on-year and by 2.7% since the previous quarter

Efficiency

How efficient is C & F Financial business performance
The ROA has decreased by 38% YoY and by 20% from the previous quarter
The company's return on invested capital fell by 38% YoY and by 17% QoQ
The return on equity has declined by 36% year-on-year and by 14% since the previous quarter
The return on sales has declined by 29% year-on-year and by 11% since the previous quarter

Dividends

What is CFFI's dividend history
DPS
$1.76
Dividend yield
3.45%
Payout ratio
29%
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 debt is 44% less than its equity
CFFI's debt to equity is down by 43% YoY but it is up by 10% from the previous quarter
C & F Financial's debt has decreased by 40% YoY but it has increased by 11% from the previous quarter

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