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C&F Financial Corporation CFFI

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108.47 USD +0.12 (+0.11%)

Nov 6, 2026, 1:10 PM EST

106.01 Day range 109.63
66.48 52-week range 115.40
YTD
+49.43%
1 year
+56.68%

Financial health

Altman Z-Score

-0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.8×
FY 2016: 12.8×FY 2017: 30.7×FY 2018: 10.3×FY 2019: 10.1×FY 2020: 6.1×FY 2021: 6.4×FY 2022: 7.0×FY 2023: 9.9×FY 2024: 11.9×FY 2025: 8.8×
FY 2016 5y median 8.8× FY 2025
P/S 1.3×
FY 2016: 1.5×FY 2017: 1.7×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 1.7×FY 2023: 1.6×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/B 0.9×
FY 2016: 1.2×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 10.6×
FY 2016: 7.1×FY 2017: 9.4×FY 2018: 4.2×FY 2019: -11.0×FY 2020: -1.5×FY 2021: 1.2×FY 2022: 2.4×FY 2023: 6.2×FY 2024: 6.7×FY 2025: 10.6×
FY 2016 5y median 6.2× FY 2025
EV/EBITDA 7.4×
FY 2016: 10.9×FY 2017: 11.7×FY 2018: 8.8×FY 2019: 6.7×FY 2020: 3.7×FY 2021: 0.2×FY 2022: 6.5×FY 2023: 8.1×FY 2024: 10.4×FY 2025: 7.4×
FY 2016 5y median 7.4× FY 2025
EV/Sales 1.4×
FY 2016: 2.0×FY 2017: 2.1×FY 2018: 2.0×FY 2019: 1.5×FY 2020: 0.8×FY 2021: 0.1×FY 2022: 2.2×FY 2023: 1.8×FY 2024: 1.8×FY 2025: 1.4×
FY 2016 5y median 1.8× FY 2025
FCF Yield 9.4%
FY 2016: 14.1%FY 2017: 10.7%FY 2018: 23.7%FY 2019: -9.1%FY 2020: -66.9%FY 2021: 82.7%FY 2022: 42.5%FY 2023: 16.1%FY 2024: 14.9%FY 2025: 9.4%
FY 2016 5y median 16.1% FY 2025

Profitability

Gross Margin 69.5%
FY 2016: 76.6%FY 2017: 77.7%FY 2018: 81.2%FY 2019: 81.5%FY 2020: 83.5%FY 2021: 93.6%FY 2022: 91.0%FY 2023: 76.8%FY 2024: 66.3%FY 2025: 69.5%
FY 2016 5y median 76.8% FY 2025
Operating Margin 17.8%
FY 2016: 15.5%FY 2017: 15.4%FY 2018: 19.2%FY 2019: 19.2%FY 2020: 19.7%FY 2021: 27.2%FY 2022: 29.9%FY 2023: 19.5%FY 2024: 14.5%FY 2025: 17.8%
FY 2016 5y median 19.5% FY 2025
Net Margin 14.4%
FY 2016: 11.7%FY 2017: 5.6%FY 2018: 15.3%FY 2019: 15.1%FY 2020: 14.9%FY 2021: 20.5%FY 2022: 23.6%FY 2023: 15.8%FY 2024: 11.9%FY 2025: 14.4%
FY 2016 5y median 15.8% FY 2025
ROE 10.3%
FY 2016: 9.7%FY 2017: 4.6%FY 2018: 11.9%FY 2019: 11.4%FY 2020: 11.4%FY 2021: 13.6%FY 2022: 14.9%FY 2023: 10.9%FY 2024: 8.8%FY 2025: 10.3%
FY 2016 5y median 10.9% FY 2025
ROIC 6.4%
FY 2016: 4.1%FY 2017: 2.0%FY 2018: 5.3%FY 2019: 5.2%FY 2020: 6.7%FY 2021: 8.3%FY 2022: 9.0%FY 2023: 6.4%FY 2024: 5.1%FY 2025: 6.4%
FY 2016 5y median 6.4% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.4%FY 2018: 1.2%FY 2019: 1.1%FY 2020: 1.1%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 11.8%
FY 2016: 7.2%FY 2017: 1.2%FY 2018: 0.6%FY 2019: 6.2%FY 2020: 18.8%FY 2021: -5.6%FY 2022: -11.8%FY 2023: 21.3%FY 2024: 11.2%FY 2025: 11.8%
FY 2016 FY 2025
Operating Income 37.0%
FY 2016: 3.1%FY 2017: 0.3%FY 2018: 25.5%FY 2019: 6.2%FY 2020: 22.1%FY 2021: 30.3%FY 2022: -2.9%FY 2023: -21.1%FY 2024: -17.3%FY 2025: 37.0%
FY 2016 FY 2025
EPS (diluted) 37.9%
FY 2016: 5.7%FY 2017: -51.7%FY 2018: 173.9%FY 2019: 6.2%FY 2020: 10.8%FY 2021: 31.2%FY 2022: 4.3%FY 2023: -16.5%FY 2024: -13.2%FY 2025: 37.9%
FY 2016 FY 2025
Free Cash Flow -36.7%
FY 2016: 79.5%FY 2017: -11.0%FY 2018: 104.6%FY 2019: -139.2%FY 2020: -422.6%FY 2021: 268.4%FY 2022: -42.9%FY 2023: -57.1%FY 2024: -6.3%FY 2025: -36.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 0.9×
FY 2016: 2.9×FY 2017: 2.3×FY 2018: 1.7×FY 2019: -0.2×FY 2020: -0.3×FY 2021: -4.1×FY 2022: 1.6×FY 2023: 1.0×FY 2024: 2.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 0.7×
FY 2016: 2.0×FY 2017: 1.9×FY 2018: 2.0×FY 2019: 1.6×FY 2020: 2.2×FY 2021: 4.6×FY 2022: 4.7×FY 2023: 1.1×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.6%FY 2017: 2.3%FY 2018: 2.6%FY 2019: 2.7%FY 2020: 4.1%FY 2021: 3.1%FY 2022: 2.8%FY 2023: 2.6%FY 2024: 2.5%FY 2025: 2.5%
FY 2016 5y median 2.6% FY 2025
Payout Ratio 22.2%
FY 2016: 33.2%FY 2017: 70.6%FY 2018: 27.4%FY 2019: 27.2%FY 2020: 25.1%FY 2021: 19.8%FY 2022: 19.7%FY 2023: 25.4%FY 2024: 29.1%FY 2025: 22.2%
FY 2016 5y median 22.2% FY 2025

Annual · latest fiscal year ends 2025-12-31