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Ticker
CFFI

Price
56.01
Stock movement down
-2.38 (-4.08%)
Company name
C&F Financial Corporation
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
180.66M
Ent value
2.45B
Price/Sales
1.08
Price/Book
0.79
Div yield
3.29%
Div growth
4.53%
Growth years
9
FCF payout
21.97%
Trailing P/E
9.58
Forward P/E
-
PEG
-
EPS growth
6.09%
1 year return
29.41%
3 year return
3.19%
5 year return
9.43%
10 year return
4.94%
Last updated: 2025-04-11

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.84
Dividend yield3.29%
Payout frequencyQuarterly
Maximum yield5.32%
Average yield3.39%
Minimum yield2.03%
Discount to avg yield-3.17%
Upside potential-3.07%
Yield as % of max yield61.70%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.29%
Current yield distribution40.08%
Yield at 100% (Min)2.03%
Yield at 90%2.80%
Yield at 80%2.99%
Yield at 50% (Median)3.19%
Yield at 20%3.86%
Yield at 10%4.52%
Yield at 0% (Max)5.32%

Dividend per share

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Dividend per share data
Years of growth9 years
CCC statusDividend Challenger
Dividend per share1.84
Payout frequencyQuarterly
Ex-div date14 Mar 2025
EPS (TTM)5.79
EPS (1y forward)-
EPS growth (5y)6.09%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
CFFIS&P500
DGR MR4.55%-13.74%
DGR TTM1.14%6.60%
DGR 3 years5.01%5.24%
DGR 5 years4.53%5.40%
DGR 10 years4.26%7.07%
DGR 15 years2.36%6.12%
Time since last change announced54 days
EPS growth (5y)6.09%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM30.95%21.97%
Average29.47%20.31%
Forward--

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E9.58
Price to OCF6.01
Price to FCF6.80
Price to EBITDA9.43
EV to EBITDA128.07

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.08
Price to Book0.79
EV to Sales14.70

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count3.23M
EPS (TTM)5.79
FCF per share (TTM)8.16

Income statement

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Income statement data
Revenue (TTM)166.95M
Gross profit (TTM)-2.83B
Operating income (TTM)49.02M
Net income (TTM)18.86M
EPS (TTM)5.79
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)-1696.86%
Operating margin (TTM)29.36%
Profit margin (TTM)11.30%

Balance Sheet

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Balance Sheet data
Cash49.19M
Net receivables10.20M
Total current assets435.93M
Goodwill25.19M
Intangible assets1.21M
Property, plant and equipment0.00
Total assets2.55B
Accounts payable3.97M
Short/Current long term debt142.33M
Total current liabilities52.61M
Total liabilities2.32B
Shareholder's equity227.96M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)30.07M
Capital expenditures (TTM)3.50M
Free cash flow (TTM)26.58M
Dividends paid (TTM)5.84M

Financial returns

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Financial returns data
Return on Equity8.28%
Return on Assets0.74%
Return on Invested Capital5.09%
Cash Return on Invested Capital7.18%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open57.47
Daily high58.49
Daily low56.01
Daily Volume9K
All-time high86.70
1y analyst estimate34.00
Beta0.37
EPS (TTM)5.79
Dividend per share1.84
Ex-div date14 Mar 2025
Next earnings date17 Apr 2025

Downside potential

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Downside potential data
CFFIS&P500
Current price drop from All-time high-35.40%-12.89%
Highest price drop-75.51%-56.47%
Date of highest drop9 Mar 20099 Mar 2009
Avg drop from high-25.85%-11.07%
Avg time to new high52 days12 days
Max time to new high2037 days1805 days

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iO Charts is a Seeking Alpha partner

COMPANY DETAILS
CFFI (C&F Financial Corporation) company logo
Marketcap
180.66M
Marketcap category
Small-cap
Description
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agency. C&F Financial Corporation was founded in 1927 and is headquartered in Toano, Virginia.
Employees
594
Investor relations
SEC filings
CEO
Thomas Cherry
Country
USA
City
West Point
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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