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%
Market cap
$334.0M
P/E
11.4×
Fwd P/E
—
Dividend yield
1.86%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Jun '26 Mar '26 Dec '25 Sep '25 Older periods
P/E ratio
8.93 8.38 8.77 8.32

+8 more quarters

P/S ratio
1.33 1.25 1.26 1.20
P/FCF ratio
6.75 20.92 10.61 4.03
P/Operating CF
10.54 (31.29) 105.45 9.28
P/B ratio
0.93 0.89 0.90 0.86
Price to Tangible BV
1.03 0.99 0.99 0.96
EV/Sales
1.62 1.28 1.45 1.18
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
7.39 17.71 10.99 3.84
EV/FCF
8.20 21.44 12.15 3.98
Quick Ratio
0.03 0.03 0.03 0.04
Current Ratio
0.92 0.90 0.91 0.91
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
4.21% 2.96% 4.09% 3.45%
Debt/Equity
0.42 0.31 0.43 0.37
Asset Turnover
0.07 0.07 0.07 0.07
Operating CF/Net income
2.88 (1.12) 0.33 3.31
Capex/Depreciation
(3.74) (0.41) (0.91) (0.91)
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
57.55% 58.53% 58.28% 57.09%
Intangible Assets out of Total Assets
0.01 0.01 0.01 0.01
Share Based Compensation of Revenue
1.05% 1.08% 1.02% 0.93%
Graham Net Nets
(1.31) (1.55) (1.53) (1.60)
Graham Number
131.37 126.64 122.86 119.39
Earnings Yield
11.20% 11.93% 11.41% 12.02%
Free Cash Flow Yield
14.82% 4.78% 9.43% 24.83%
Revenue per Share
16.03 14.68 14.73 14.71
Operating CF per Share
7.59 (2.33) 0.69 7.24
Capex per Share
(0.74) (0.10) (0.23) (0.23)
Free Cash Flow per Share
6.85 (2.43) 0.45 7.01
Cash per Share
19.10 23.84 24.44 29.68
Shareholders Equity per Share
85.61 81.93 81.02 78.41
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
85.61 81.93 81.02 78.41
Free Cash Flow
22.29 (7.89) 1.47 22.70
Working Capital
(178.25) (243.41) (202.80) (213.54)
Capital Expenditures
(2.41) (0.32) (0.76) (0.74)
Net Current Asset Value
(340.52) (366.95) (359.48) (348.09)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.05 0.01 0.02 0.02
Price to Operating Income
7.20 6.79 7.11 6.76
Other line items
Average Payables
2,310.84 2,308.06 2,258.29 2,216.96
Average Assets
2,748.18 2,713.14 2,665.93 2,631.10
Average Common Equity
259.65 250.69 244.66 240.92

Fold the line items

Columns are period end dates