C&F Financial Corporation

CFFI | NASDAQ

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$93

-$0.60 (-0.64%)

At close: Sep 21, 2026, 4:00 PM ET

$91.50

-$1.50 (-1.61%)

Pre-market: Sep 22, 2026, 5:08 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $302.66M

Enterprise Value $-99.53M

Beta 0.35

Average Volume 20.69K

Shares Outstanding (Diluted) 3.25M

Shares Change YoY 0.36%

Institutional Ownership 40.67%

Exchange NASDAQ

ISIN US12466Q1040

Price Performance

Price Change 1M 8.1%

Price Change 3M 17.5%

Price Change 6M 27.4%

Price Change YTD 31.5%

Price Change 1Y 35.6%

Price Change 3Y 69.4%

Price Change 5Y 81.4%

1M CAGR (ann.) 6.3%

1Y CAGR (ann.) 32.7%

5Y CAGR (ann.) 15.7%

All-Time CAGR 7.9%

Valuation

PE Ratio 10.37

Forward PE N/A

PEG Ratio 0.55

Forward PEG 0.55

PS Ratio 1.58

Forward PS N/A

PB Ratio 1.09

P/FCF Ratio 26.73

P/Adj. FCF Ratio 32.12

P/OCF Ratio 7.07

EV/Sales -0.52

EV/EBIT -2.75

EV/EBITDA -2.51

EV/FCF -8.79

Earnings Yield 9.7%

FCF Yield 3.7%

Adj. FCF Yield 3.1%

Financial Health

Net Cash $402.19M

Total Debt $118.17M

Cash & Short-Term Investments $520.36M

Total Assets $2.81B

Current Ratio 0.24

Quick Ratio 0.24

Debt / Equity Ratio 0.43

Debt / EBITDA 2.98

Debt / FCF 10.44

OCF / Debt 0.12

Interest Coverage 0.78

Altman Z-Score -0.47

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 68.9%

Operating Profit Margin 18.8%

EBITDA Margin 20.6%

Net Profit Margin 15.2%

FCF Margin 5.9%

Adj. FCF Margin 4.9%

SBC / Revenue 0.8%

SBC Impact (per share) -16.8%

Returns

Return on Assets 1.0%

Return on Equity 11.0%

Return on Invested Capital 6.6%

Return on Capital Employed 9.3%

Return on Tangible Assets 1.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.7%

Revenue CAGR 5Y 4.6%

Revenue CAGR 10Y 5.5%

EPS CAGR 3Y 1.7%

EPS CAGR 5Y 1.9%

EPS CAGR 10Y 9.1%

FCF CAGR 3Y -37.7%

FCF CAGR 5Y -51.1%

FCF CAGR 10Y -12.9%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $131.48

Graham Upside 41.4%

Lynch Fair Value $44.85

Lynch Upside -51.8%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $13.71M

Free Cash Flow $11.32M

Adj. Free Cash Flow $9.42M

FCF Per Share $12.70

OCF Per Share $13.16

OCF/S Ratio 22.3%

Income Statement

Revenue $192.03M

Gross Profit $132.27M

Operating Income $36.13M

EBITDA $39.63M

Net Income $29.09M

EPS (Diluted) $8.97

Revenue / Employee $333.96K

Profit / Employee $50.58K

Employees 575

Dividends

Annual Dividend $1.90

Dividend Yield 2.04%

Payout Ratio 21.2%

FCF Payout Ratio 53.2%

Adj. FCF Payout Ratio 63.9%

Dividend Growth (YoY) 4.4%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026