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C & F FINANCIAL CORP CFFI

Nasdaq · stock · State Commercial Banks · website · IPO 1992-01-16 · LEI

C & F FINANCIAL CORP statistics & valuation

Market cap$280.5M
P / E10.5×
P / S2.0×
P / B1.1×
P / FCF12.7×
Dividend yield2.12%
Net margin19.1%
Return on equity10.2%
FCF margin15.7%
Graham number +38.5%$122.78

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($122.78); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
11.70% 5.60% 15.20% 16.90% 16.00% 21.20% 23.80% 18.50% 15.60% 19.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.70% 4.60% 11.90% 11.40% 11.40% 13.60% 14.90% 10.90% 8.70% 10.20% 2016201720182019202020212022202320242025
Shares outstanding
3.5M 3.5M 3.5M 3.5M 3.7M 3.6M 3.5M 3.4M 3.3M 3.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.40% 1.20% 1.10% 1.10% 1.30% 1.30% 1.00% 0.80% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
21.20% 18.50% 37.20% -15.50% -65.60% 112.90% 71.10% 29.30% 26.10% 15.70% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$3.89 $1.88 $5.15 $5.47 $6.06 $7.95 $8.29 $6.92 $6.01 $8.29 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

C & F FINANCIAL CORP trades at about 10.7× earnings — above its 10-year norm (10-year range 6.4×–29.1×, median 9.1×).

6.4× 29.1×

Shaded band = 10-year range (6.4×–29.1×); dot = today's 10.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin19.1%15.6%18.5%23.8%21.2%16.0%16.9%15.2%5.6%11.7%
FCF margin15.7%26.1%29.3%71.1%112.9%-65.6%-15.5%37.2%18.5%21.2%
Return on assets1.0%0.8%1.0%1.3%1.3%1.1%1.1%1.2%0.4%0.9%
Return on equity10.2%8.7%10.9%14.9%13.6%11.4%11.4%11.9%4.6%9.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.