CFFI
C & F Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CFFI
- PE Ratio
As of Jun 3, 2026, the CFFI stock has a PE ratio of 8.09. The calculation is based on the latest EPS of $8.7 and the stock price of $70.38 per share. A decrease of 3.9% has been observed in the PE ratio compared to its average of 8.4 of the last four quarters.
CFFI PE ratio history
The mean historical PE ratio of C & F Financial over the last ten years is 10.37. The current 8.09 P/E ratio is 22% lower than the historical average. Looking back at the last ten years, CFFI's PE ratio peaked in the Dec 2017 quarter at 30.69, with a price of $58 and an EPS of $1.89. The Sep 2020 quarter marked the lowest point at 5.77, with a price of $29.7 and an EPS of $5.15.
C & F Financial PE ratio by year
Maximum annual increase: 140.14% in 2017
Maximum annual decrease: -66.34% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.76 | -26.14% | $72.59 | $8.29 |
| 2024 | 11.86 | 20.41% | $71.25 | $6.01 |
| 2023 | 9.85 | 40.11% | $68.19 | $6.92 |
| 2022 | 7.03 | 9.16% | $58.27 | $8.29 |
| 2021 | 6.44 | 5.23% | $51.19 | $7.95 |
| 2020 | 6.12 | -39.53% | $37.11 | $6.06 |
| 2019 | 10.12 | -2.03% | $55.33 | $5.47 |
| 2018 | 10.33 | -66.34% | $53.21 | $5.15 |
| 2017 | 30.69 | 140.14% | $58 | $1.89 |
| 2016 | 12.78 | 20.57% | $49.85 | $3.9 |
| 2015 | 10.6 | -3.2% | $39 | $3.68 |
| 2014 | 10.95 | 4.78% | $39.74 | $3.63 |
| 2013 | 10.45 | 34.15% | $45.67 | $4.37 |
| 2012 | 7.79 | 10.18% | $38.94 | $5 |
| 2011 | 7.07 | -28.37% | $26.6 | $3.76 |
C & F Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.38 | -4.34% | $72.94 | $8.7 |
| Dec 2025 | 8.76 | 5.16% | $72.59 | $8.29 |
| Sep 2025 | 8.33 | 1.71% | $67.2 | $8.07 |
| Jun 2025 | 8.19 | -18.91% | $61.73 | $7.54 |
| Mar 2025 | 10.1 | -14.84% | $67.39 | $6.67 |
| Dec 2024 | 11.86 | 15.26% | $71.25 | $6.01 |
| Sep 2024 | 10.29 | 22.35% | $58.35 | $5.67 |
| Jun 2024 | 8.41 | 4.21% | $48.2 | $5.73 |
| Mar 2024 | 8.07 | -18.07% | $49 | $6.07 |
| Dec 2023 | 9.85 | 53.67% | $68.19 | $6.92 |
| Sep 2023 | 6.41 | 1.42% | $53.6 | $8.36 |
| Jun 2023 | 6.32 | 4.81% | $53.7 | $8.5 |
| Mar 2023 | 6.03 | -14.22% | $51.71 | $8.57 |
| Dec 2022 | 7.03 | -7.62% | $58.27 | $8.29 |
| Sep 2022 | 7.61 | 21.57% | $53.5 | $7.03 |
CFFI Price vs fair value
CFFI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CFFI's current PE ratio is higher than the 5-year average, but it is lower than its 3 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 8.09, CFFI ranks lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 12.1, C & F Financial's price to earnings (P/E) is 33% lower.
CFFI PE vs peers
CFFI's PE ratio stands lower than its peer stocks WFC and COF. C & F Financial is currently trading at a lower PE ratio (8.09) than its peers average of 11.93.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CFFI C & F Financial Corp | 8.37 | $236.89M |
| CCNE Cnb Financial Corp | 10.51 | $918.5M |
| MTB M&T Bank Corp | 12.35 | $32.47B |
| WFC Wells Fargo & Company | 12.44 | $249.77B |
| PNC Pnc Financial Services Group Inc | 13.19 | $91.19B |
| ABCB Ameris Bancorp | 13.34 | $5.73B |
| COF Capital One Financial Corp | 54.04 | $114B |
Frequently asked questions
What is C & F Financial's PE ratio?
The price to earnings ratio for CFFI stock as of Jun 3, 2026, stands at 8.09.
What is the 3-year average PE ratio for C & F Financial (CFFI)?
Over the last 3 years, the average price to earnings ratio for CFFI stock is 8.75.
What is the 5-year average PE ratio for C & F Financial (CFFI)?
Over the last 5 years, the average price to earnings ratio for CFFI stock is 7.88.
What is the highest PE ratio for CFFI?
The highest quarterly PE ratio in the last ten years has been 30.69 and it was in the Dec 2017 quarter.
How does the current PE ratio for CFFI compare to its historical average?
CFFI's current price to earnings ratio is 22% below its 10-year historical average.
Why is C & F Financial's PE ratio so low?
CFFI's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is CFFI's PE ratio calculated (C & F Financial PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 3, 2026), C & F Financial's share price is $70.38. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $8.7. Therefore, C & F Financial's PE ratio for today is 8.09. PE RATIO(8.09) = STOCK PRICE($70.38) / TTM EPS($8.7)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.