CFFINasdaqState Commercial BanksFiscal year ends December 31
C & F FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$101.30−0.76 (-0.74%)
Close on Oct 19, 2026
- Market cap
- $329.44M
- P/E (TTM)
- 11.3
- Dividend yield
- 1.82%
C & F Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | C & F Financial | Industry median |
|---|---|---|
| Market Cap | $329.40M | $679.86M |
| Enterprise Value | $267.89M | $408.94M |
| PE Ratio | 11.31 | 11.99 |
| PS Ratio | 2.21 | 3.59 |
| PB Ratio | 1.19 | 1.18 |
| P/TBV Ratio | 1.31 | 1.41 |
| P/FCF Ratio | 8.54 | 10.89 |
| P/OCF Ratio | 7.70 | 10.01 |
Enterprise value
| Measure | C & F Financial | Industry median |
|---|---|---|
| EV / Sales | 1.80 | 2.76 |
| EV / FCF | 6.95 | 8.23 |
Income (trailing twelve months)
| Measure | C & F Financial | Industry median |
|---|---|---|
| Revenue | $149.03M | $170.85M |
| Pretax Income | $36.13M | $70.12M |
| Net Income | $29.09M | $54.33M |
| EPS (Diluted) | $8.96 | $2.91 |
Margins
| Measure | C & F Financial | Industry median |
|---|---|---|
| Pretax Margin | 24.2% | 36.5% |
| Profit Margin | 19.5% | 29.1% |
| FCF Margin | 25.9% | 33.2% |
Returns
| Measure | C & F Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.2% | 10.6% |
| Return on Assets (ROA) | 1.06% | 1.12% |
Growth
| Measure | C & F Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.8% | 11.8% |
| Net Income Growth (YoY) | 18.8% | 23.2% |
| EPS Growth (YoY) | 18.7% | 23.1% |
| FCF Growth (YoY) | 29.8% | 28.5% |
| Revenue Growth (3Y CAGR) | 4.71% | 5.82% |
| Revenue Growth (5Y CAGR) | 0.39% | 6.17% |
| EPS Growth (3Y CAGR) | 0.00% | 1.31% |
| EPS Growth (5Y CAGR) | 6.47% | 8.24% |
Balance sheet
| Measure | C & F Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $62.11M | $205.54M |
| Net Cash (Debt) | $62.11M | $164.40M |
| Net Cash Per Share | $19.10 | $8.13 |
| Equity (Book Value) | $277.79M | $563.88M |
| Book Value Per Share | $85.43 | $28.47 |
| Tangible Book Value | $251.74M | $475.36M |
Cash flow (trailing twelve months)
| Measure | C & F Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $42.79M | $61.52M |
| Capital Expenditures | -$4.23M | -$4.08M |
| Free Cash Flow | $38.56M | $52.15M |
| FCF Per Share | $11.86 | $3.05 |
Efficiency
| Measure | C & F Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $259.18K | $353.78K |
| Profits Per Employee | $50.58K | $107.28K |
| Employee Count | 575 | 489 |
Dividends and yields
| Measure | C & F Financial | Industry median |
|---|---|---|
| Earnings Yield | 8.83% | 8.13% |
| FCF Yield | 11.7% | 8.91% |
| Dividend Yield | 1.82% | 2.48% |
| Buyback Yield | 0.45% | 1.55% |
| Shareholder Yield | 2.27% | 3.13% |
| Dividend Per Share | $1.84 | $0.93 |
| Dividend Growth (YoY) | 4.55% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 21.0% | 29.3% |
| FCF Payout Ratio | 15.8% | 26.0% |
Shares
| Measure | C & F Financial | Industry median |
|---|---|---|
| Shares Outstanding | 3,251,690 | 18,839,100 |
| Shares Change (YoY) | 0.14% | 0.40% |
| Shares Change (QoQ) | 0.07% | 0.00% |
| Float | 3,023,900 | 17,061,900 |
| Shares Held by Insiders | 7.01% | 5.89% |
| Shares Held by Institutions | 41.6% | 61.9% |
Taxes
| Measure | C & F Financial | Industry median |
|---|---|---|
| Income Tax | $6.89M | $14.50M |
| Effective Tax Rate | 19.1% | 21.1% |
Scores
| Measure | C & F Financial | Industry median |
|---|---|---|
| Graham Number | $131.23 | $45.31 |
| Graham Upside | 29.5% | 21.9% |
| Altman Z-Score | 0.27 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from C & F Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.