C&F Financial Corporation (CFFI)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 135 | 132 | 116 | 123 | 124 | 141 | 146 | - |
| Operating profit | $m | 33 | 36 | ||||||
| Net profit | $m | 22 | 29 | 29 | 24 | 20 | 27 | 29 | - |
| EPS reported | $ | 8.29 | 8.97 | ||||||
| Operating cashflow per share | $ | 7.56 | 13.16 | ||||||
| Capex per share | $ | 0.72 | 0.46 | ||||||
| FCF per share | $ | 6.84 | 12.70 | ||||||
| Free cash flow | $m | 22 | 41 | ||||||
| Net debt | $m | -293 | -402 | ||||||
| Book value equity | $m | 262 | 278 | ||||||
| Book value per share | $ | 80.85 | 85.46 | ||||||
| Number of shares | m | 3.24 | 3.25 | ||||||
| DPS (TTM paid) | $ | 1.84 | 1.90 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.76 | 10.56 | ||||||
| P/B LTM | x | 0.90 | 0.85 | ||||||
| P/S LTM | x | 1.67 | 1.61 | ||||||
| P/FCF LTM | x | 10.61 | 5.69 | ||||||
| EV/EBITDA LTM | x | 7.35 | 6.79 | ||||||
| EV/Sales LTM | x | 1.45 | 1.90 | ||||||
| Earnings Yield LTM | % | +11.42% | +9.47% | ||||||
| FCF Yield | % | +9.43% | +17.57% | ||||||
| Quality | |||||||||
| ROE | % | +10.25% | +10.99% | ||||||
| ROIC | % | +6.44% | +6.64% | ||||||
| Operating margin | % | +17.77% | +18.82% | ||||||
| Gross margin | % | +69.46% | +68.88% | ||||||
| FCF/Sales | % | +11.91% | +21.50% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +37.94% | +49.25% | ||||||
| Sales Growth YoY | % | +13.86% | +17.97% | ||||||
| Net Income Growth YoY | % | +35.30% | +46.65% | ||||||
| FCF Growth | % | -36.69% | +17.97% | ||||||
| Operating Profit Growth | % | +37.04% | +49.73% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.53% | +1.98% | ||||||
| Dividend Growth | % | +4.55% | +7.95% | ||||||
| Payout Ratio | % | +22.18% | +20.96% | ||||||
| FCF/Debt | x | 0.20 | 0.35 | ||||||
| Net Debt/EBITDA | x | 0.93 | 1.41 | ||||||
| EBIT/Net interest | x | 0.73 | 0.78 | ||||||
| Net debt/market cap | % | +48.22% | +38.27% | ||||||
| Net debt/Equity | x | -1.12 | -1.45 | ||||||
| Gross debt/equity | x | 0.43 | 0.43 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
C&F Financial Corporation (CFFI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free