A Business at a Glance
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C & F FINANCIAL CORP
CFFI
$252M
Mkt Cap
$78.00
+0.19%
C & F FINANCIAL CORP (CFFI) has a current P/E ratio of 9.4, compared to its historical median P/E of 8.5. The stock is currently considered Fair based on its historical valuation range.
C & F FINANCIAL CORP (CFFI) has a 5-year average return on invested capital (ROIC) of 11.4%. This indicates solid capital allocation.
C & F FINANCIAL CORP (CFFI) has a market capitalization of $252M. It is classified as a small-cap stock.
Yes, C & F FINANCIAL CORP (CFFI) pays a dividend with a trailing twelve-month yield of 2.36%. The company also returns capital through share buybacks, with a buyback yield of 0.37%.
Based on historical P/E analysis, C & F FINANCIAL CORP (CFFI) appears fair. The current P/E of 9.4 is 11% above its historical median of 8.5. The estimated fair value CAGR (P/E method) is 5.0%.
C & F FINANCIAL CORP (CFFI) operates in the State Commercial Banks industry, within the Financials sector.
C & F FINANCIAL CORP (CFFI) reported annual revenue of $186 million in its most recent fiscal year, based on SEC EDGAR filings.
C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927. C&F Bank has the following five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia: ●C&F Mortgage Corporation ●C&F Finance Company ●C&F Wealth Management Corporation ●C&F Insurance Services, Inc. ●CVB Title Services, Inc. The Corporation operates three principal business segments: (1) community banking through C&F Bank, C&F Wealth Management Corporation (C&F Wealth Management), C&F Insurance Services, Inc. (C&F Insurance) and CVB Title Services, Inc.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 186M | 186M | 170M | 154M | 131M | 144M |
| Net Income | 27M | 27M | 20M | 24M | 29M | 29M |
| EPS | $8.29 | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 |
| Free Cash Flow | 22M | 22M | 33M | 37M | 87M | 153M |
| ROIC | 11.1% | 9.4% | 8.1% | 11.3% | 14.4% | 13.5% |
| Gross Margin | 69.5% | 69.5% | 67.0% | 77.4% | 91.5% | 93.7% |
| Debt/Equity | 0.23 | 0.23 | 0.30 | 0.29 | 0.19 | 0.17 |
| Dividends/Share | $1.84 | $1.84 | $1.76 | $1.76 | $1.64 | $1.58 |
| Operating Income | 33M | 33M | 24M | 29M | 37M | 38M |
| Operating Margin | 17.8% | 17.8% | 14.2% | 19.0% | 28.3% | 26.5% |
| ROE | 10.3% | 11.0% | 8.9% | 11.4% | 14.4% | 14.2% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 4M | 4M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 106M | 108M | 115M | 117M | 119M | 126M | 152M | 144M | 131M | 154M | 170M | 186M | 186M |
| Gross Margin | 76.5% | 77.5% | 76.5% | 77.7% | 81.4% | 81.8% | 83.9% | 93.7% | 91.5% | 77.4% | 67.0% | 69.5% | 69.5% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 36M | 39M | 42M | 44M | 42M | 47M | 58M | 59M | 48M | 55M | 54M | 57M | 57M |
| EBIT | 2.3M | 1.8M | 3.9M | 3.9M | 3.2M | 4.7M | 4.0M | 38M | 37M | 29M | 24M | 33M | 33M |
| Op. Margin | 2.2% | 1.6% | 3.4% | 3.3% | 2.7% | 3.7% | 2.6% | 26.5% | 28.3% | 19.0% | 14.2% | 17.8% | 17.8% |
| Net Income | 12M | 13M | 13M | 6.6M | 18M | 19M | 22M | 29M | 29M | 24M | 20M | 27M | 27M |
| Net Margin | 11.7% | 11.6% | 11.7% | 5.6% | 15.2% | 14.9% | 14.6% | 20.0% | 22.3% | 15.4% | 11.7% | 14.4% | 14.4% |
| Non-Recurring | 96K | 26K | 246K | 45K | 204K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 6.5% | 9.3% | 9.4% | 4.2% | 11.3% | 11.6% | 11.5% | 13.5% | 14.4% | 11.3% | 8.1% | 9.4% | 11.1% |
| ROE | 10.4% | 9.8% | 10.0% | 4.7% | 12.3% | 11.9% | 12.3% | 14.2% | 14.4% | 11.4% | 8.9% | 11.0% | 10.3% |
| ROA | 0.9% | 0.9% | 0.9% | 0.4% | 1.2% | 1.2% | 1.2% | 1.3% | 1.3% | 1.0% | 0.8% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 34M | 15M | 27M | 26M | 48M | -15M | -80M | 157M | 91M | 39M | 37M | 24M | 24M |
| Free Cash Flow | 32M | 14M | 24M | 22M | 44M | -17M | -91M | 153M | 87M | 37M | 33M | 22M | 22M |
| Owner Earnings | 29M | 11M | 22M | 21M | 43M | -20M | -86M | 151M | 84M | 33M | 31M | 19M | 19M |
| CapEx | 1.8M | 1.8M | 2.7M | 4.2M | 3.4M | 2.7M | 10M | 4.8M | 3.4M | 1.5M | 3.5M | 2.3M | 2.3M |
| Maint. CapEx | 3.9M | 3.5M | 3.4M | 3.4M | 3.7M | 3.9M | 4.2M | 4.7M | 4.4M | 3.9M | 3.9M | 3.9M | 3.9M |
| Growth CapEx | 0 | 0 | 0 | 733K | 0 | 0 | 6.0M | 45K | 0 | 0 | 0 | 0 | 0 |
| D&A | 3.9M | 3.5M | 3.4M | 3.4M | 3.7M | 3.9M | 4.2M | 4.7M | 4.4M | 3.9M | 3.9M | 3.9M | 3.9M |
| CapEx/OCF | 5.3% | 11.8% | 6.2% | 16.2% | 7.2% | N/A | N/A | 3.0% | 3.7% | 3.8% | 9.5% | 9.5% | 9.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.0M | 4.1M | 4.5M | 4.6M | 4.9M | 5.1M | 5.5M | 5.7M | 5.8M | 6.0M | 5.8M | 6.0M | 6.0M |
| Dividend Yield | 4.7% | 4.6% | 4.1% | 3.4% | 3.2% | 3.6% | 5.0% | 3.7% | 3.5% | 3.4% | 3.3% | 2.7% | 2.4% |
| Share Buybacks | 161K | 1.7M | 414K | 560K | 1.5M | 4.9M | 1.1M | 8.2M | 5.4M | 7.8M | 8.8M | 943K | 943K |
| Buyback Yield | 0.2% | 1.7% | 0.3% | N/A | 0.7% | 3.1% | 0.9% | 5.1% | 2.9% | 3.5% | 3.8% | 0.4% | 0.4% |
| Stock-Based Comp | 1.1M | 1.2M | 1.2M | 1.5M | 1.3M | 1.5M | 1.4M | 1.7M | 2.0M | 2.0M | 1.9M | 1.8M | 1.8M |
| Debt Repayment | 2.8M | 10M | 7.5M | 3.3M | 2.5M | 7.0M | 122M | 14M | 1.9M | 4.0M | 29M | 20M | 20M |
| Balance Sheet | |||||||||||||
| Net Debt | -98M | -84M | -87M | -113M | -210M | -236M | -333M | -606M | -503M | -13M | 3.4M | -19M | -19M |
| Cash & Equiv. | 4.0M | 4.1M | 4.5M | 16M | 115M | 165M | 87M | 268M | 27M | 75M | 66M | 79M | 79M |
| Long-Term Debt | 7.5M | 7.5M | 7.5M | 23M | 2.5M | 7.0M | 20M | N/A | N/A | 4.0M | 40M | 40M | 40M |
| Debt/Equity | 1.03 | 1.07 | 0.91 | 0.86 | 0.79 | 0.73 | 0.21 | 0.17 | 0.19 | 0.29 | 0.30 | 0.23 | 0.23 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.7 |
| Equity | 124M | 131M | 139M | 142M | 152M | 165M | 194M | 210M | 196M | 217M | 226M | 262M | 262M |
| Total Assets | 1.3B | 1.4B | 1.5B | 1.5B | 1.5B | 1.7B | 2.1B | 2.3B | 2.3B | 2.4B | 2.6B | 2.8B | 2.8B |
| Total Liabilities | 1.2B | 1.3B | 1.3B | 1.4B | 1.4B | 1.5B | 1.9B | 2.1B | 2.1B | 2.2B | 2.3B | 2.5B | 2.5B |
| Intangibles | N/A | 1.6M | 2.3M | 1.6M | 1.1M | 912K | 2.3M | 2.0M | 1.7M | 1.4M | 1.1M | 909K | 909K |
| Retained Earnings | 108M | 116M | 125M | 127M | 141M | 154M | 171M | 194M | 217M | 234M | 248M | 269M | 269M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 3.59 | 3.68 | 3.89 | 1.88 | 5.15 | 5.47 | 6.06 | 7.95 | 8.29 | 6.92 | 6.01 | 8.29 | 8.29 |
| Owner EPS | 8.48 | 3.12 | 6.46 | 5.97 | 12.16 | -5.79 | -23.57 | 41.86 | 23.95 | 9.66 | 9.39 | 5.78 | 5.78 |
| Book Value | 35.95 | 38.49 | 40.24 | 40.54 | 43.43 | 47.80 | 53.10 | 58.33 | 55.62 | 63.58 | 68.59 | 80.86 | 80.86 |
| Cash Flow/Share | 9.94 | 4.50 | 7.80 | 7.37 | 13.59 | -4.24 | -22.02 | 43.65 | 25.75 | 11.38 | 11.14 | 7.57 | 9.50 |
| Dividends/Share | 1.19 | 1.22 | 1.29 | 1.33 | 1.41 | 1.49 | 1.52 | 1.58 | 1.64 | 1.76 | 1.76 | 1.84 | 1.84 |
| Shares Out. | 3.4M | 3.4M | 3.5M | 3.5M | 3.5M | 3.4M | 3.6M | 3.6M | 3.5M | 3.4M | 3.3M | 3.2M | 3.2M |
| Valuation | |||||||||||||
| P/E Ratio | 7.7 | 7.8 | 9.6 | 24.1 | 8.4 | 8.4 | 5.4 | 5.7 | 6.5 | 9.4 | 11.7 | 8.6 | 9.4 |
| P/FCF | 2.9 | 7.2 | 5.3 | 7.3 | 3.4 | N/A | N/A | 1.1 | 2.2 | 5.9 | 7.0 | 10.4 | 11.4 |
| EV/EBIT | N/A | 4.8 | 9.5 | 12.2 | 14.7 | 14.3 | N/A | N/A | N/A | N/A | N/A | N/A | 7.1 |
| Price/Book | 0.8 | 0.7 | 0.9 | 1.1 | 1.0 | 1.0 | 0.6 | 0.8 | 1.0 | 1.0 | 1.0 | 0.9 | 1.0 |
| Price/Sales | 0.9 | 0.9 | 1.0 | 1.3 | 1.5 | 1.3 | 0.8 | 1.1 | 1.3 | 1.4 | 1.4 | 1.6 | 1.4 |
| FCF Yield | 34.0% | 13.9% | 18.8% | 13.6% | 29.1% | -11.0% | -76.1% | 94.0% | 46.3% | 16.9% | 14.3% | 9.6% | 8.8% |
| Market Cap | 95M | 98M | 129M | 158M | 152M | 158M | 119M | 162M | 188M | 222M | 232M | 230M | 252M |
| Avg. Price | 24.90 | 26.45 | 31.27 | 38.95 | 44.69 | 41.56 | 30.63 | 42.08 | 46.32 | 51.89 | 52.99 | 67.95 | 78.00 |
| Year-End Price | 27.71 | 28.66 | 37.24 | 45.28 | 43.42 | 45.87 | 32.62 | 45.00 | 53.56 | 64.94 | 70.30 | 71.20 | 78.00 |
C & F FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
C & F FINANCIAL CORP trades at 9.4x trailing earnings, compared to its 15-year median P/E of 8.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.5x vs a median of 5.6x. The company's 5-year average ROIC is 11.4% with a gross margin of 79.8%. Total shareholder yield (dividends + buybacks) is 2.7%. At current prices, the estimated annualized return to fair value is +11.3%.
C & F FINANCIAL CORP (CFFI) has a net profit margin of 14.4%. This is a healthy margin.
C & F FINANCIAL CORP (CFFI) generated $22 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
C & F FINANCIAL CORP (CFFI) has a debt-to-equity ratio of 0.23. This indicates a conservatively financed balance sheet.
C & F FINANCIAL CORP (CFFI) reported earnings per share (EPS) of $8.29 in its most recent fiscal year.
C & F FINANCIAL CORP (CFFI) has a return on equity (ROE) of 11.0%. This indicates moderate shareholder returns.
C & F FINANCIAL CORP (CFFI) has a 5-year average gross margin of 79.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for C & F FINANCIAL CORP (CFFI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
C & F FINANCIAL CORP (CFFI) has a book value per share of $80.86, based on its most recent annual SEC filing.
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