Saturday 17 October 2026
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C&F Financial Corporation
CFFI Financial Banks Regional
C&F Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $186.1 million, up 9.40% from fiscal 2024. In the quarter to June 2026, revenue grew 10.3%, EPS grew 11.0%, free cash flow grew 549.9% and total debt rose 14.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.
102.06
0.67
−0.65%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.47 | 30.26 | 10.33 | 10.13 | 6.12 | 6.45 | 7.15 | 10.03 | 11.82 | 8.77 |
Piotroski F-Score |
8 | 4 | 6 | 5 | 4 | 7 | 5 | 7 | 6 | 8 |
P/S ratio |
1.44 | 1.71 | 1.57 | 1.51 | 0.89 | 1.29 | 1.60 | 1.54 | 1.38 | 1.26 |
P/FCF ratio |
6.59 | 9.24 | 4.22 | 0.00 | 0.00 | 1.21 | 2.40 | 6.33 | 7.07 | 10.61 |
P/Operating CF |
6.73 | 1,881.66 | 16.43 | 31.26 | 2.38 | 4.90 | 9.72 | 13.93 | 6.96 | 105.45 |
P/B ratio |
1.20 | 1.41 | 1.23 | 1.16 | 0.70 | 0.87 | 1.07 | 1.09 | 1.04 | 0.90 |
Price to Tangible BV |
1.36 | 1.59 | 1.37 | 1.27 | 0.81 | 1.00 | 1.24 | 1.24 | 1.17 | 0.99 |
EV/Sales |
1.87 | 1.95 | 1.82 | 1.35 | 0.69 | (0.19) | 1.82 | 1.38 | 1.55 | 1.45 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
7.99 | 8.82 | 4.54 | (11.64) | (1.30) | (0.17) | 2.63 | 5.48 | 7.16 | 10.99 |
EV/FCF |
8.53 | 10.52 | 4.89 | (9.82) | (1.16) | (0.18) | 2.73 | 5.69 | 7.91 | 12.15 |
Quick Ratio |
0.09 | 0.10 | 0.10 | 0.13 | 0.05 | 0.14 | 0.01 | 0.04 | 0.03 | 0.03 |
Current Ratio |
0.99 | 0.98 | 1.00 | 1.03 | 0.91 | 0.89 | 0.81 | 0.85 | 0.90 | 0.91 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.48% | 9.76% | 9.52% | 8.74% | 2.67% | 2.46% | 2.38% | 2.10% | 3.65% | 3.37% |
Debt/Equity |
1.09 | 1.04 | 0.95 | 0.88 | 0.29 | 0.26 | 0.28 | 0.24 | 0.41 | 0.36 |
Asset Turnover |
0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 | 0.06 | 0.06 | 0.07 | 0.07 |
Operating CF/Net income |
2.00 | 3.92 | 2.64 | (0.78) | (3.63) | 5.49 | 3.11 | 1.64 | 1.85 | 0.91 |
Capex/Depreciation |
(0.35) | (0.82) | (0.62) | (0.50) | (1.53) | (0.58) | (0.66) | (0.27) | (0.68) | (0.66) |
| 9.96% | 4.68% | 12.27% | 11.89% | 12.30% | 14.14% | 14.32% | 11.41% | 8.92% | 10.97% | |
| 0.94% | 0.44% | 1.19% | 1.19% | 1.18% | 1.32% | 1.27% | 0.99% | 0.79% | 1.01% | |
ROIC |
5.95% | 6.62% | 7.75% | 10.34% | 11.17% | 0.00% | 10.26% | 9.41% | 5.91% | 7.47% |
Return on Tangible Assets |
48.10% | 35.45% | 56.24% | 26.42% | (20.61%) | (16.06%) | (8.27%) | (8.32%) | (10.58%) | (14.62%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
76.72% | 76.40% | 71.77% | 69.56% | 71.88% | 67.65% | 65.65% | 63.84% | 60.65% | 57.90% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
1.05% | 1.24% | 1.13% | 1.16% | 0.95% | 1.18% | 1.51% | 1.30% | 1.13% | 0.99% |
Graham Net Nets |
(1.13) | (0.97) | (0.95) | (0.77) | (1.99) | (1.77) | (2.35) | (1.77) | (1.53) | (1.53) |
Graham Number |
59.24 | 41.57 | 70.92 | 76.71 | 85.24 | 102.28 | 102.20 | 99.56 | 96.60 | 122.86 |
Earnings Yield |
8.02% | 3.30% | 9.68% | 9.87% | 16.33% | 15.51% | 13.99% | 9.97% | 8.46% | 11.41% |
Free Cash Flow Yield |
15.17% | 10.83% | 23.72% | (9.08%) | (66.66%) | 82.72% | 41.66% | 15.79% | 14.15% | 9.43% |
Revenue per Share |
33.44 | 33.50 | 33.97 | 36.64 | 41.52 | 39.83 | 37.12 | 45.06 | 51.56 | 57.48 |
Operating CF per Share |
7.81 | 7.39 | 13.58 | (4.24) | (22.03) | 43.67 | 25.75 | 11.37 | 11.14 | 7.56 |
Capex per Share |
(0.49) | (1.20) | (0.96) | (0.78) | (2.71) | (1.33) | (0.96) | (0.43) | (1.06) | (0.72) |
Free Cash Flow per Share |
7.32 | 6.19 | 12.62 | (5.02) | (24.74) | 42.34 | 24.78 | 10.95 | 10.08 | 6.84 |
Cash per Share |
29.88 | 34.25 | 32.85 | 47.94 | 23.75 | 74.29 | 7.58 | 22.03 | 19.87 | 24.44 |
Shareholders Equity per Share |
40.31 | 40.64 | 43.40 | 47.89 | 53.29 | 58.55 | 55.80 | 63.75 | 68.78 | 81.02 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
40.31 | 40.64 | 43.40 | 47.89 | 53.29 | 58.55 | 55.80 | 63.75 | 68.78 | 81.02 |
Free Cash Flow |
25.29 | 21.60 | 44.18 | (17.34) | (90.26) | 152.60 | 87.17 | 37.35 | 33.28 | 22.16 |
Working Capital |
(7.82) | (18.43) | (5.06) | 36.13 | (151.45) | (223.31) | (396.30) | (325.62) | (227.66) | (222.80) |
Capital Expenditures |
(1.69) | (4.18) | (3.37) | (2.71) | (9.89) | (4.78) | (3.39) | (1.46) | (3.49) | (2.33) |
Net Current Asset Value |
(187.61) | (192.90) | (177.01) | (147.13) | (269.55) | (326.74) | (490.98) | (418.76) | (359.80) | (359.48) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.04 | 0.03 | 0.02 | 0.07 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 |
Price to Operating Income |
9.30 | 11.10 | 8.26 | 7.98 | 4.63 | 4.84 | 5.66 | 8.11 | 9.74 | 7.11 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.14 | 0.14 | 0.15 | 0.15 | 0.15 | 0.19 | 0.12 | 0.13 | 0.13 | 0.09 |
Cash ROIC |
6.41% | 5.29% | 10.73% | (3.65%) | (26.80%) | 28.55% | 31.31% | 10.86% | 8.62% | 5.10% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
45,581.08 | 44,534.07 | 39,113.65 | 32,378.83 | 47,791.30 | 83,602.60 | 92,700.75 | 28,533.39 | 18,504.96 | 18,905.01 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,096.78 | 1,145.68 | 1,176.55 | 1,236.46 | 1,521.71 | 1,833.39 | 1,959.24 | 2,035.00 | 2,118.50 | 2,258.29 |
Average Assets |
1,428.53 | 1,480.52 | 1,515.23 | 1,589.42 | 1,871.87 | 2,175.42 | 2,298.42 | 2,385.41 | 2,500.94 | 2,665.93 |
Average Common Equity |
135.14 | 140.46 | 146.83 | 158.62 | 179.88 | 202.75 | 203.63 | 206.87 | 222.24 | 244.66 |
Columns are period end dates