C&F Financial (CFFI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

C&F Financial

NasdaqGS•Financial Services•Banks - Regional

$96.26+1.43(0.02%)Pre-market

Market Cap

$305.74M

P/E

10.5x

P/S

2.1x

P/B

1.1x

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, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (16/25).

Profitability23/25

Growth23/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality16/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.5x5y range 5.9x – 11.6x

Currently above its 20-quarter median.

P/S · 2.1x5y range 1.2x – 2.1x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 1.3x) — earnings may be inflated by non-cash items or aggressive accounting.

Cash Burn

Watch

FCF turned negative in 3 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $305.74M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $149.03M
Q. Revenue: $40.87M
TTM EBITDA: $39.96M
TTM Op. Income: $36.13M
Q. Op. Income: $10.87M
TTM Net Income: $29.09M
Q. Net Income: $8.56M
EPS: $2.63
Shares Out.: $3.25M

$149.03M in TTM revenue grew 10.8% YoY, reaching $40.87M last quarter. TTM EBITDA of $39.96M and TTM operating income of $36.13M show growth is flowing through to the bottom line. TTM net income of $29.09M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 72.4%
EBITDA Margin: 28.9%
Op. Margin: 26.6%
Net Margin: 21.0%

Op. margin of 26.6% is up 0.1% YoY — cost efficiency is improving. Net margin at 21.0% and gross margin of 72.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.5x
P/S Ratio: 2.1x
P/B Ratio: 1.1x

At 10.5x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 29% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.81B
Cash: $62.11M
Long-Term Debt: $73.17M
Book Value: $277.79M
D/E Ratio: 0.3
Debt/EBITDA: 6.2

With $2.81B in assets and $73.17M in long-term debt, D/E is 0.3and book value is $277.79M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 19% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $24.69M
TTM Free Cash Flow: $38.56M
FCF Margin: 25.9%
FCF / Net Income: 1.3

TTM FCF of $38.56M on $24.69M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 23% — an improving trend.