Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.29 | 9.60 | 7.60 | 8.77 | 8.77 | 7.67 | 6.51 | 10.15 | 9.53 | 8.84 | 8.03 | 12.13 | 11.37 | 7.84 | 7.30 | 6.95 | 4.90 | 7.23 | 6.02 | 7.94 | 7.66 |
| — | +25.2% | +16.8% | -13.6% | -8.0% | -13.2% | -18.9% | -16.3% | -16.2% | +12.8% | +10.1% | +74.5% | +131.7% | +8.4% | +21.3% | -12.5% | -36.0% | +17.6% | +3.4% | +37.8% | +80.9% | |
| P/S Ratio | 2.29 | 2.08 | 1.68 | 1.63 | 1.64 | 1.55 | 1.39 | 1.72 | 1.85 | 1.47 | 1.31 | 1.38 | 1.80 | 1.54 | 1.44 | 1.39 | 1.56 | 1.56 | 1.47 | 1.69 | 1.49 |
| — | +34.1% | +20.5% | -5.0% | -11.4% | +6.0% | +6.1% | +24.3% | +2.7% | -4.5% | -9.3% | -0.5% | +15.5% | -1.7% | -1.5% | -17.6% | +4.3% | +8.4% | +6.1% | +40.3% | +69.5% | |
| P/B Ratio | 1.30 | 1.18 | 0.93 | 0.89 | 0.90 | 0.86 | 0.83 | 0.93 | 1.01 | 0.83 | 0.74 | 0.76 | 1.06 | 0.91 | 0.91 | 0.88 | 1.03 | 1.01 | 0.83 | 0.89 | 0.86 |
| — | +38.0% | +12.6% | -3.9% | -11.6% | +2.8% | +12.8% | +21.7% | -4.1% | -8.1% | -19.0% | -13.7% | +2.3% | -10.4% | +9.7% | -1.0% | +20.2% | +10.2% | -10.4% | +8.7% | +23.1% | |
| P/FCF | 7.10 | 2.69 | 2.60 | — | 39.89 | 2.40 | — | 18.51 | 1.64 | — | 34.85 | 100.72 | 3.47 | 2.04 | — | — | 2.47 | 2.52 | 5.07 | 1.12 | 1.22 |
| — | +12.3% | — | — | +2333.2% | — | — | -81.6% | -52.8% | — | — | — | +40.6% | -18.8% | — | — | +102.9% | -29.7% | +588.4% | +7.4% | +95.2% | |
| EV / EBITDA | 7.29 | 4.76 | 6.69 | 7.20 | 7.43 | 6.00 | 6.26 | 8.70 | 8.70 | 9.30 | 8.18 | 11.72 | 9.22 | 8.02 | 8.45 | 8.28 | 4.85 | 4.88 | 2.98 | -0.05 | 0.11 |
| — | -20.6% | +6.8% | -17.2% | -14.6% | -35.5% | -23.5% | -25.8% | -5.7% | +16.0% | -3.2% | +41.6% | +90.1% | +64.3% | +183.9% | +17986.5% | +4510.6% | +174.9% | +45.0% | -102.1% | -96.0% | |
| EV / EBIT | 11.38 | 4.76 | 7.27 | 7.87 | 8.32 | 6.65 | 6.90 | 10.02 | 9.92 | 10.62 | 9.44 | 14.47 | 10.65 | 9.10 | 9.49 | 9.31 | 5.25 | 5.52 | 3.35 | -0.05 | 0.12 |
| — | -28.5% | +5.3% | -21.4% | -16.1% | -37.3% | -26.9% | -30.8% | -6.9% | +16.7% | -0.5% | +55.5% | +102.9% | +64.7% | +183.3% | +17510.5% | +4260.4% | +178.2% | +46.5% | -102.1% | -95.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.8% | 92.8% | 90.7% | 90.1% | 90.1% | 91.7% | 94.2% | 90.5% | 88.8% | 88.6% | 91.7% | 88.3% | 92.3% | 93.1% | 94.7% | 93.6% | 94.6% | 96.0% | 98.1% | 101.2% | 98.5% |
| — | +1.2% | -3.7% | -0.5% | +1.5% | +3.5% | +2.7% | +2.6% | -3.8% | -4.8% | -3.1% | -5.7% | -2.4% | -3.1% | -3.5% | -7.5% | -4.0% | -2.7% | -3.6% | +2.1% | +2.5% | |
| Operating Margin | 23.5% | 26.6% | 28.0% | 23.0% | 22.6% | 25.2% | 26.8% | 20.6% | 23.2% | 20.6% | 20.3% | 13.4% | 19.4% | 24.0% | 24.9% | 24.7% | 39.2% | 27.4% | 31.3% | 27.6% | 26.5% |
| — | +5.6% | +4.6% | +11.8% | -3.0% | +22.6% | +32.2% | +53.6% | +19.8% | -14.3% | -18.5% | -45.7% | -50.5% | -12.3% | -20.5% | -10.5% | +47.8% | -11.0% | +0.1% | -1.3% | -5.1% | |
| Net Margin | 19.1% | 21.7% | 22.1% | 18.6% | 18.7% | 20.2% | 21.4% | 16.9% | 19.4% | 16.6% | 16.3% | 11.4% | 15.9% | 19.6% | 19.8% | 20.0% | 31.7% | 21.6% | 24.3% | 21.2% | 19.5% |
| — | +7.1% | +3.2% | +9.9% | -3.7% | +21.6% | +31.4% | +48.7% | +22.3% | -15.0% | -17.8% | -43.0% | -49.9% | -9.3% | -18.6% | -5.7% | +62.3% | -8.1% | +2.4% | +1.6% | -6.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 3.0% | 3.1% | 2.6% | 2.6% | 2.9% | 3.2% | 2.3% | 2.7% | 2.4% | 2.3% | 1.6% | 2.4% | 2.9% | 3.1% | 3.2% | 5.4% | 3.4% | 3.4% | 2.7% | 2.8% |
| — | +5.7% | -2.6% | +9.9% | -2.2% | +18.6% | +40.7% | +48.4% | +9.4% | -16.1% | -26.1% | -51.5% | -55.1% | -15.4% | -8.3% | +18.1% | +89.7% | -10.0% | -15.2% | -24.0% | -31.8% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.2% | 0.3% |
| — | +12.3% | +4.9% | +16.5% | +3.6% | +22.6% | +43.9% | +49.6% | +13.2% | -10.7% | -22.2% | -48.6% | -52.7% | -13.7% | -10.8% | +9.5% | +66.7% | -20.9% | -21.3% | -25.7% | -31.0% | |
| ROIC | 6.8% | 1.9% | 2.1% | 1.7% | 1.6% | 1.8% | 1.9% | 1.4% | 1.5% | 1.4% | 1.4% | 0.9% | 1.4% | 1.5% | 1.5% | 1.7% | 3.4% | 2.2% | 2.2% | 1.9% | 2.0% |
| — | +8.2% | +9.4% | +20.9% | +8.4% | +24.2% | +40.9% | +54.1% | +9.4% | -3.8% | -9.0% | -47.6% | -59.2% | -32.4% | -32.5% | -7.4% | +67.6% | -16.6% | -20.3% | -28.0% | -23.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.51 | 0.42 | 0.39 | 0.43 | 0.45 | 0.61 | 0.51 | 0.54 | 0.62 | 0.54 | 0.56 | 0.50 | 0.73 | 0.87 | 0.99 | 0.47 | 0.50 | 0.47 | 0.44 | 0.43 |
| — | +14.8% | -30.0% | -23.6% | -20.0% | -28.5% | +11.9% | -9.4% | +7.3% | -14.9% | -37.5% | -43.4% | +7.3% | +46.0% | +83.9% | +126.0% | +9.5% | +11.1% | +19.8% | +9.1% | +9.4% | |
| Debt / EBITDA | 3.10 | 6.40 | 10.00 | 11.32 | 12.50 | 11.58 | 13.76 | 15.90 | 14.86 | 18.69 | 16.53 | 24.63 | 15.31 | 18.25 | 19.75 | 22.49 | 6.67 | 10.02 | 9.49 | 10.42 | 9.82 |
| — | -44.7% | -27.3% | -28.8% | -15.9% | -38.1% | -16.8% | -35.4% | -2.9% | +2.4% | -16.3% | +9.5% | +129.5% | +82.2% | +108.1% | +115.9% | -32.1% | +21.4% | +40.1% | +39.0% | +53.7% | |
| Current Ratio | 0.18 | 0.23 | 0.24 | 1.35 | 0.18 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 | 0.27 | 0.29 | 0.32 | 0.35 | 0.33 |
| — | +58.7% | +42.5% | +836.8% | +172.7% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | -19.1% | -2.5% | +10.4% | +34.5% | +54.5% | |
| Quick Ratio | 0.18 | 0.23 | 0.24 | 1.35 | 0.18 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 | 0.27 | 0.29 | 0.32 | 0.35 | 0.33 |
| — | +58.7% | +42.5% | +836.8% | +172.7% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | -19.1% | -2.5% | +10.4% | +34.5% | +54.5% | |
| Interest Coverage | 0.73 | 1.89 | 0.97 | 0.73 | 0.69 | 0.76 | 0.88 | 0.59 | 0.64 | 0.58 | 0.59 | 0.42 | 0.73 | 0.98 | 1.24 | 1.83 | 5.25 | 4.22 | 4.92 | 4.17 | 4.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CFFI stock.
C&F Financial Corporation's current P/E is 11.3x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
C&F Financial Corporation's current operating margin is 23.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking C&F Financial Corporation's business trajectory between earnings reports.