C&F Financial Corporation (CFFI) P/E Ratio History
Historical price-to-earnings valuation from 1997 to 2025
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CFFI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, C&F Financial Corporation (CFFI) trades at a price-to-earnings ratio of 8.9x, with a stock price of $74.00 and trailing twelve-month earnings per share of $8.29.
The current P/E is 15% above its 5-year average of 7.8x. Over the past five years, CFFI's P/E has ranged from a low of 6.0x to a high of 11.8x, placing the current valuation at the 80th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, CFFI trades at a 33% discount to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.38 (P/E divided by 38% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, CFFI trades at a notable discount to the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CFFI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CFFI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $234M | 14.7 | - | +101% | |
| $203M | 14.4 | 2.84 | +9% | |
| $175M | 13.3 | - | +210% | |
| $249M | 14.0 | 9.40 | +96% | |
| $2B | 15.5 | 3.91 | +10% | |
| $5B | 20.9 | 4.01 | +12% | |
| $504M | 11.0 | 0.71 | +28% | |
| $322M | 21.4 | - | -37% | |
| $696M | 9.8 | 1.04 | +231%Best | |
| $751M | 9.1Lowest | 0.26Best | +24% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CFFI Historical P/E Data (1997–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $72.59 | $8.29 | 8.8x | -18% |
| FY2025 Q3 | $67.20 | $8.09 | 8.3x | -22% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $61.73 | $7.55 | 8.2x | -24% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $67.39 | $6.68 | 10.1x | -6% |
| FY2024 Q4 | $71.25 | $6.03 | 11.8x | +11% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $58.35 | $5.66 | 10.3x | -4% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $48.20 | $5.72 | 8.4x | -21% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $49.00 | $6.06 | 8.1x | -24% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $68.19 | $6.91 | 9.9x | -8% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $53.60 | $8.38 | 6.4x | -40% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $53.70 | $8.52 | 6.3x | -41% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $51.71 | $8.59 | 6.0x | -44% |
Average P/E for displayed period: 10.7x
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Start ComparisonCFFI — Frequently Asked Questions
Quick answers to the most common questions about buying CFFI stock.
Is CFFI stock overvalued or undervalued?
CFFI trades at 8.9x P/E, near its 5-year average of 7.8x. The 80th percentile ranking places valuation within normal historical bounds.
How does CFFI's valuation compare to peers?
C&F Financial Corporation P/E of 8.9x compares to sector median of 13.4x. The discount suggests lower growth expectations or higher risk.
What is CFFI's PEG ratio?
CFFI PEG ratio is 1.38. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1997-2025.