CFFI C & F Financial Corp
Price (delayed)
$71.46
Market cap
$231.52M
P/E Ratio
11.89
Dividend/share
$1.76
EPS
$6.01
Enterprise value
$288.54M
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 4.4% YoY
CFFI's net income is down by 16% year-on-year but it is up by 5% since the previous quarter
C & F Financial's debt has decreased by 14% from the previous quarter but it has increased by 12% YoY
The price to earnings (P/E) is 63% higher than the 5-year quarterly average of 7.3 and 23% higher than the last 4 quarters average of 9.7
The revenue has declined by 4.2% year-on-year
Key stats
What are the main financial stats of CFFI
Market
Valuations
Earnings
Shares outstanding
3.24M
Market cap
$231.52M
Enterprise value
$288.54M
Price to earnings (P/E)
11.89
Price to book (P/B)
1.02
Price to sales (P/S)
2.02
EV/EBIT
12
EV/EBITDA
10.34
EV/Sales
2.53
Revenue
$114.06M
Gross profit
$114.06M
Operating income
$24.13M
Net income
$19.83M
EBIT
$24.05M
EBITDA
$27.91M
Free cash flow
$35M
Per share
Balance sheet
Liquidity
EPS
$6.01
EPS diluted
$6.01
Free cash flow per share
$10.85
Book value per share
$70.18
Revenue per share
$35.36
TBVPS
$786.58
Total assets
$2.56B
Total liabilities
$2.34B
Debt
$122.61M
Equity
$226.36M
Working capital
N/A
Debt to equity
0.54
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.04
Margins
Efficiency
Dividend
EBITDA margin
24.5%
Gross margin
100%
Net margin
17.4%
Operating margin
21.2%
Return on assets
0.8%
Return on equity
8.9%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
21.1%
Dividend yield
2.46%
DPS
$1.76
Payout ratio
29.3%
CFFI stock price
How has the C & F Financial stock price performed over time
Intraday
4.37%
1 week
-2.38%
1 month
-15.98%
1 year
40.15%
YTD
0.29%
QTD
0.29%
Financial performance
How have C & F Financial's revenue and profit performed over time
Revenue
$114.06M
Gross profit
$114.06M
Operating income
$24.13M
Net income
$19.83M
Gross margin
100%
Net margin
17.4%
C & F Financial's operating income has decreased by 17% YoY but it has increased by 4.5% from the previous quarter
CFFI's net income is down by 16% year-on-year but it is up by 5% since the previous quarter
The company's operating margin fell by 13% YoY but it rose by 5% QoQ
C & F Financial's net margin has decreased by 12% YoY but it has increased by 6% 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
11.89
P/B
1.02
P/S
2.02
EV/EBIT
12
EV/EBITDA
10.34
EV/Sales
2.53
The price to earnings (P/E) is 63% higher than the 5-year quarterly average of 7.3 and 23% higher than the last 4 quarters average of 9.7
The EPS has declined by 13% year-on-year but it has grown by 6% since the previous quarter
CFFI's P/B is 28% above its last 4 quarters average of 0.8 and 13% above its 5-year quarterly average of 0.9
C & F Financial's equity has increased by 4.4% YoY
CFFI's P/S is 44% above its 5-year quarterly average of 1.4 and 26% above its last 4 quarters average of 1.6
The revenue has declined by 4.2% year-on-year
Efficiency
How efficient is C & F Financial business performance
The company's return on invested capital fell by 25% YoY
The return on equity has declined by 23% year-on-year but it is up by 3.5% since the previous quarter
The ROA has decreased by 20% YoY
The return on sales has declined by 14% year-on-year but it has grown by 6% since the previous quarter
Dividends
What is CFFI's dividend history
DPS
$1.76
Dividend yield
2.46%
Payout ratio
29.3%
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
The company's total liabilities rose by 5% YoY
C & F Financial's debt is 46% less than its equity
CFFI's debt to equity is down by 14% from the previous quarter but it is up by 6% YoY
C & F Financial's debt has decreased by 14% from the previous quarter but it has increased by 12% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.