Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
C&F Financial Corporation's quarterly P/E stands at 8.8x, down 8.0% year-over-year. EV/EBITDA has expanded 19.8% YoY to 10.4x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.45 | 8.77 | 7.67 | 6.51 | 10.15 | 9.53 | 8.84 | 8.03 | 12.13 | 11.37 | 7.84 | 7.30 | 6.95 |
| — | -8.0% | -13.2% | -18.9% | -16.3% | -16.2% | +12.8% | +10.1% | +74.5% | +131.7% | +8.4% | +21.3% | -12.5% | |
| P/S Ratio | 1.37 | 1.23 | 1.17 | 1.07 | 1.28 | 1.35 | 1.08 | 0.98 | 1.05 | 1.42 | 1.23 | 1.20 | 1.22 |
| — | -9.0% | +7.7% | +9.2% | +21.9% | -4.7% | -12.2% | -18.8% | -14.4% | -1.9% | -15.9% | -12.7% | -22.6% | |
| P/B Ratio | 0.97 | 0.90 | 0.86 | 0.83 | 0.93 | 1.01 | 0.83 | 0.74 | 0.76 | 1.06 | 0.91 | 0.91 | 0.88 |
| — | -11.6% | +2.8% | +12.8% | +21.7% | -4.1% | -8.1% | -19.0% | -13.7% | +2.3% | -10.4% | +9.7% | -1.0% | |
| P/FCF | 11.51 | 52.04 | 2.40 | — | 18.51 | 1.64 | — | 34.85 | 100.72 | 3.47 | 2.04 | — | — |
| — | +3074.6% | — | — | -81.6% | -52.8% | — | — | — | +40.6% | -18.8% | — | — | |
| EV / EBITDA | 10.80 | 10.42 | 6.00 | 6.26 | 8.70 | 8.70 | 9.30 | 8.18 | 11.72 | 9.22 | 8.02 | 8.45 | 8.28 |
| — | +19.8% | -35.5% | -23.5% | -25.8% | -5.7% | +16.0% | -3.2% | +41.6% | +90.1% | +64.3% | +183.9% | +17986.5% | |
| EV / EBIT | 10.80 | 10.42 | 6.65 | 6.90 | 10.02 | 9.92 | 10.62 | 9.44 | 14.47 | 10.65 | 9.10 | 9.49 | 9.31 |
| — | +5.0% | -37.3% | -26.9% | -30.8% | -6.9% | +16.7% | -0.5% | +55.5% | +102.9% | +64.7% | +183.3% | +17510.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
C&F Financial Corporation's operating margin was 17.0% in Q4 2025, down 2.0 pp QoQ and down 0.1 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. Gross margin expanded 4.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.5% | 67.8% | 68.9% | 72.2% | 67.2% | 65.0% | 65.5% | 68.4% | 66.9% | 72.9% | 74.8% | 78.8% | 82.5% |
| — | +4.2% | +5.2% | +5.7% | +0.5% | -10.8% | -12.5% | -13.3% | -18.9% | -17.1% | -17.0% | -14.5% | -13.1% | |
| Operating Margin | 17.8% | 17.0% | 18.9% | 20.6% | 15.3% | 17.0% | 15.2% | 15.1% | 10.2% | 15.3% | 19.3% | 20.7% | 21.7% |
| — | -0.4% | +24.5% | +36.0% | +50.6% | +11.1% | -21.2% | -27.0% | -53.3% | -58.0% | -24.9% | -29.6% | -15.9% | |
| Net Margin | 14.4% | 14.1% | 15.2% | 16.4% | 12.6% | 14.2% | 12.3% | 12.1% | 8.6% | 12.5% | 15.7% | 16.5% | 17.6% |
| — | -1.2% | +23.5% | +35.2% | +45.8% | +13.3% | -21.9% | -26.4% | -51.0% | -57.5% | -22.4% | -27.9% | -11.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 2.6% | 2.9% | 3.2% | 2.3% | 2.7% | 2.4% | 2.3% | 1.6% | 2.4% | 2.9% | 3.1% | 3.2% |
| — | -2.2% | +18.6% | +40.7% | +48.4% | +9.4% | -16.1% | -26.1% | -51.5% | -55.1% | -15.4% | -8.3% | +18.1% | |
| ROA | 1.0% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | +3.6% | +22.6% | +43.9% | +49.6% | +13.2% | -10.7% | -22.2% | -48.6% | -52.7% | -13.7% | -10.8% | +9.5% | |
| ROIC | 6.8% | 1.6% | 1.8% | 1.9% | 1.4% | 1.5% | 1.4% | 1.4% | 0.9% | 1.4% | 1.5% | 1.5% | 1.7% |
| — | +8.0% | +24.2% | +40.9% | +54.1% | +9.4% | -3.8% | -9.0% | -47.6% | -59.2% | -32.4% | -32.5% | -7.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
C&F Financial Corporation's Debt/EBITDA ratio is 14.3x, up from 11.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 37257.0% YoY to 24.17x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.45 | 0.61 | 0.51 | 0.54 | 0.62 | 0.54 | 0.56 | 0.50 | 0.73 | 0.87 | 0.99 |
| — | -18.3% | -28.5% | +11.9% | -9.4% | +7.3% | -14.9% | -37.5% | -43.4% | +7.3% | +46.0% | +83.9% | +126.0% | |
| Debt / EBITDA | 3.50 | 14.31 | 11.58 | 13.76 | 15.90 | 14.86 | 18.69 | 16.53 | 24.63 | 15.31 | 18.25 | 19.75 | 22.49 |
| — | -3.7% | -38.1% | -16.8% | -35.4% | -2.9% | +2.4% | -16.3% | +9.5% | +129.5% | +82.2% | +108.1% | +115.9% | |
| Current Ratio | 24.17 | 24.17 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 |
| — | +37257.0% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | |
| Quick Ratio | 24.17 | 24.17 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 |
| — | +37257.0% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | |
| Interest Coverage | 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 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CFFI stock.
C&F Financial Corporation's current P/E is 9.5x. The average P/E over the last 4 quarters is 8.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
C&F Financial Corporation's current operating margin is 17.8%. 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.