C&F Financial Corporation (CFFI) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.80
↑+52% vs avg
5yr avg: 7.09
30Y Low0.2·High33.0
P/FCF
↑
11.51
↑+112% vs avg
5yr avg: 5.42
30Y Low1.2·High10.6
P/B Ratio
↑
0.97
-2% vs avg
5yr avg: 0.98
30Y Low0.7·High2.3
ROE
↓
11.0%
-8% vs avg
5yr avg: 12.0%
30Y Low5%·High21%
Debt/EBITDA
↑
3.50
+13% vs avg
5yr avg: 3.11
30Y Low0.8·High27.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CFFI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
C&F Financial Corporation trades at 9.5x earnings, 8% above its 5-year average of 8.8x, sitting at the 31st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 30%. On a free-cash-flow basis, the stock trades at 11.5x P/FCF, 112% above the 5-year average of 5.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $255M | $235M | $235M | $233M | $205M | $184M | $135M | $191M | $186M | $202M | $172M |
| Enterprise Value | $357M | $337M | $292M | $267M | $270M | $7M | $125M | $187M | $231M | $251M | $234M |
| P/E Ratio → | 9.45 | 8.76 | 11.86 | 9.85 | 7.03 | 6.44 | 6.12 | 10.12 | 10.33 | 30.85 | 12.81 |
| P/S Ratio | 1.37 | 1.26 | 1.41 | 1.55 | 1.66 | 1.32 | 0.91 | 1.53 | 1.59 | 1.73 | 1.49 |
| P/B Ratio | 0.97 | 0.90 | 1.04 | 1.07 | 1.04 | 0.87 | 0.70 | 1.16 | 1.23 | 1.43 | 1.24 |
| P/FCF | 11.51 | 10.61 | 6.72 | 6.23 | 2.35 | 1.21 | — | — | 4.22 | 9.36 | 7.10 |
| P/OCF | 10.42 | 9.60 | 6.11 | 5.99 | 2.26 | 1.17 | — | — | 3.92 | 7.85 | 6.39 |
P/E links to full P/E history page with 30-year chart
CFFI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
C&F Financial Corporation's enterprise value stands at 10.8x EBITDA, 52% above its 5-year average of 7.1x. The Financial Services sector median is 11.4x, placing the stock at a 5% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.81 | 1.75 | 1.78 | 2.19 | 0.05 | 0.84 | 1.50 | 1.97 | 2.15 | 2.02 |
| EV / EBITDA | 10.80 | 10.20 | 10.44 | 8.08 | 6.54 | 0.17 | 3.74 | 6.72 | 8.81 | 11.71 | 10.95 |
| EV / EBIT | 10.80 | 10.20 | 12.11 | 9.16 | 7.31 | 0.19 | 4.28 | 7.80 | 10.25 | 13.95 | 13.04 |
| EV / FCF | — | 15.22 | 8.35 | 7.15 | 3.10 | 0.05 | — | — | 5.23 | 11.61 | 9.63 |
CFFI Profitability
Margins and return-on-capital ratios measuring operating efficiency
C&F Financial Corporation earns an operating margin of 17.8%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 19.5% to 17.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 11.0% is modest. ROIC of 6.8% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.5% | 69.5% | 66.3% | 76.8% | 91.0% | 93.6% | 83.5% | 81.5% | 81.2% | 77.7% | 76.6% |
| Operating Margin | 17.8% | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | 19.7% | 19.2% | 19.2% | 15.4% | 15.5% |
| Net Profit Margin | 14.4% | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | 14.9% | 15.1% | 15.3% | 5.6% | 11.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 11.0% | 8.9% | 11.4% | 14.3% | 14.1% | 12.3% | 11.9% | 12.3% | 4.7% | 10.0% |
| ROA | 1.0% | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | 1.2% | 1.2% | 1.2% | 0.4% | 0.9% |
| ROIC | 6.8% | 6.8% | 5.3% | 7.1% | 9.4% | 10.0% | 7.3% | 5.6% | 5.4% | 4.4% | 4.4% |
| ROCE | 2.1% | 2.1% | 7.2% | 9.7% | 12.2% | 12.1% | 8.8% | 7.1% | 7.0% | 5.7% | 5.6% |
CFFI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
C&F Financial Corporation carries a Debt/EBITDA ratio of 3.5x, which is moderately leveraged (18% below the sector average of 4.3x). Net debt stands at $102M ($116M total debt minus $14M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.54 | 0.50 | 0.47 | 0.43 | 0.39 | 0.98 | 1.05 | 1.18 | 1.18 |
| Debt / EBITDA | 3.50 | 3.50 | 4.38 | 3.32 | 2.23 | 2.11 | 2.28 | 5.80 | 6.09 | 7.84 | 7.71 |
| Net Debt / Equity | — | 0.39 | 0.25 | 0.16 | 0.33 | -0.84 | -0.05 | -0.03 | 0.29 | 0.34 | 0.44 |
| Net Debt / EBITDA | 3.09 | 3.09 | 2.04 | 1.04 | 1.58 | -4.14 | -0.31 | -0.15 | 1.70 | 2.26 | 2.88 |
| Debt / FCF | — | 4.61 | 1.63 | 0.92 | 0.75 | -1.16 | — | — | 1.01 | 2.24 | 2.53 |
| Interest Coverage | 0.73 | 0.73 | 0.56 | 1.10 | 4.68 | 4.56 | 2.18 | 1.64 | 2.04 | 1.87 | 2.00 |
CFFI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
C&F Financial Corporation's current ratio of 24.17x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.26x to 24.17x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 24.17 | 24.17 | 0.06 | 0.26 | 0.27 | 0.33 | 0.21 | 0.28 | 0.28 | 0.29 | 0.28 |
| Quick Ratio | 24.17 | 24.17 | 0.06 | 0.26 | 0.27 | 0.33 | 0.21 | 0.28 | 0.28 | 0.29 | 0.28 |
| Cash Ratio | 0.68 | 0.68 | 0.03 | 0.04 | 0.01 | 0.14 | 0.05 | 0.13 | 0.10 | 0.10 | 0.09 |
| Asset Turnover | — | 0.07 | 0.06 | 0.06 | 0.05 | 0.06 | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CFFI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
C&F Financial Corporation returns 2.7% to shareholders annually — split between a 2.3% dividend yield and 0.4% buyback yield. The payout ratio of 22.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 22.2% | 22.2% | 29.1% | 25.4% | 19.7% | 19.8% | 25.1% | 27.2% | 27.4% | 70.6% | 33.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.6% | 11.4% | 8.4% | 10.1% | 14.2% | 15.5% | 16.3% | 9.9% | 9.7% | 3.2% | 7.8% |
| FCF Yield | 8.7% | 9.4% | 14.9% | 16.1% | 42.5% | 82.7% | — | — | 23.7% | 10.7% | 14.1% |
| Buyback Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $3M | $3M | $3M | $4M | $4M | $4M | $3M | $4M | $3M | $3M |
Peer Comparison
Compare CFFI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CFFIYou | $255M | 9.5 | 10.8 | 11.5 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 NKSH | $225M | 14.2 | 11.4 | 14.8 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 LKFN | $2B | 14.9 | 12.9 | 15.0 | 61.0% | 29.8% | 14.3% | 11.6% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 HBCP | $519M | 11.3 | 7.5 | 11.7 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FISI | $735M | 10.3 | 10.5 | 54.1 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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CFFI — Frequently Asked Questions
Quick answers to the most common questions about buying CFFI stock.
What is C&F Financial Corporation's P/E ratio?
C&F Financial Corporation's current P/E ratio is 9.5x. The historical average is 10.8x. This places it at the 31th percentile of its historical range.
What is C&F Financial Corporation's EV/EBITDA?
C&F Financial Corporation's current EV/EBITDA is 10.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.2x.
What is C&F Financial Corporation's ROE?
C&F Financial Corporation's return on equity (ROE) is 11.0%. The historical average is 13.5%.
Is CFFI stock overvalued?
Based on historical data, C&F Financial Corporation is trading at a P/E of 9.5x. This is at the 31th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is C&F Financial Corporation's dividend yield?
C&F Financial Corporation's current dividend yield is 2.35% with a payout ratio of 22.2%.
What are C&F Financial Corporation's profit margins?
C&F Financial Corporation has 69.5% gross margin and 17.8% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does C&F Financial Corporation have?
C&F Financial Corporation's Debt/EBITDA ratio is 3.5x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.