C&F Financial Corporation (CFFI) Key Metrics
CFFI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $331.9M
- Enterprise value
- $386.9M
- P/E (TTM)
- 11.4 10-yr median 10.0
- Forward P/E
- 5.7
- PEG ratio
- —
- Price / sales
- 2.4 10-yr median 1.5
- Price / book
- 1.1 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 1.5
- Dividend yield
- 1.88% $1.92 a year
- Beta
- 0.34
CFFI key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCFFI valuation Price multiples at each fiscal year-end price.
CFFI returns How much profit the business earns on the capital it uses.
CFFI per-share figures Results divided by the shares outstanding at year-end.
CFFI financial health Debt, liquidity and how easily interest is covered.
CFFI efficiency & capital use Working capital cycle and where the cash goes.
CFFI valuation history
CFFI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CFFI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CFFI cash returned to shareholders
CFFI price vs earnings per share
CFFI key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $235.0M | $235.1M | $232.7M | $204.9M | $184.5M | $135.4M | $190.9M | $186.3M | $202.2M | $172.3M |
| Enterprise value | −$58.0M | $225.7M | −$195.4M | −$242.2M | −$365.9M | −$161.5M | $72.0M | $16.1M | $31.7M | $23.6M |
| P/E ratio | 8.8 | 11.9 | 9.9 | 7.0 | 6.4 | 6.1 | 10.1 | 10.3 | 30.8 | 12.8 |
| Price / sales | 1.3 | 1.4 | 1.6 | 1.7 | 1.3 | 0.9 | 1.5 | 1.6 | 1.7 | 1.5 |
| Price / book | 0.9 | 1.0 | 1.1 | 1.0 | 0.9 | 0.7 | 1.2 | 1.2 | 1.4 | 1.2 |
| Price / free cash flow | 10.6 | 6.7 | 6.2 | 2.4 | 1.2 | — | — | 4.2 | 9.4 | 7.1 |
| Price / operating cash flow | 9.6 | 6.1 | 6.0 | 2.3 | 1.2 | — | — | 3.9 | 7.8 | 6.4 |
| EV / sales | -0.3 | 1.4 | -1.3 | -2.0 | -2.6 | -1.1 | 0.6 | 0.1 | 0.3 | 0.2 |
| EV / EBITDA | — | 8.1 | — | — | — | — | 2.6 | 0.6 | 1.5 | 1.1 |
| EV / free cash flow | — | 6.4 | — | — | — | — | — | 0.4 | 1.5 | 1.0 |
| Earnings yield | 11.4% | 8.4% | 10.1% | 14.2% | 15.5% | 16.3% | 9.9% | 9.7% | 3.2% | 7.8% |
| Free cash flow yield | 9.4% | 14.9% | 16.1% | 42.5% | 82.7% | −66.9% | −9.4% | 23.7% | 10.7% | 14.1% |
| Dividend yield | 2.5% | 2.5% | 2.6% | 2.8% | 3.1% | 4.1% | 2.7% | 2.6% | 2.3% | 2.6% |
| Shareholder yield (dividends + buybacks) | 2.9% | 6.2% | 5.9% | 5.4% | 7.5% | 4.9% | 5.0% | 3.5% | 2.6% | 2.8% |
| Share price at fiscal year-end | $72.59 | $71.25 | $68.19 | $58.27 | $51.19 | $37.11 | $55.33 | $53.21 | $58.00 | $49.85 |
| Per share | ||||||||||
| Revenue per share | $57.49 | $50.46 | $43.89 | $35.10 | $38.84 | $40.62 | $36.16 | $33.55 | $33.51 | $33.42 |
| Earnings per share | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 | $1.88 | $3.89 |
| Operating cash flow per share | $7.56 | $11.66 | $11.37 | $25.75 | $43.67 | −$22.03 | −$4.39 | $13.58 | $7.39 | $7.81 |
| Free cash flow per share | $6.84 | $10.61 | $10.95 | $24.78 | $42.34 | −$24.83 | −$5.18 | $12.62 | $6.19 | $7.02 |
| Cash per share | $125.51 | $40.01 | $157.56 | $153.33 | $177.80 | $102.24 | $102.92 | $94.24 | $97.06 | $90.63 |
| Book value per share | $80.85 | $68.59 | $63.56 | $55.63 | $58.35 | $53.11 | $47.89 | $43.40 | $40.64 | $40.28 |
| Tangible book value per share | $72.79 | $60.61 | $55.77 | $47.99 | $50.82 | $45.58 | $43.45 | $38.96 | $36.05 | $35.45 |
| Dividends per share | $1.84 | $1.75 | $1.75 | $1.64 | $1.57 | $1.52 | $1.49 | $1.41 | $1.33 | $1.29 |
| Capex per share | $0.72 | $1.06 | $0.43 | $0.97 | $1.33 | $2.80 | $0.78 | $0.96 | $1.20 | $0.78 |
| Debt per share | $35.01 | $37.15 | $32.10 | $26.18 | $25.10 | $20.87 | $68.45 | $45.61 | $48.14 | $47.62 |
| Shares outstanding | 3.2M | 3.3M | 3.4M | 3.5M | 3.6M | 3.6M | 3.5M | 3.5M | 3.5M | 3.5M |
| Change in shares outstanding | −1.9% | −3.3% | −3.0% | −2.4% | −1.2% | +5.7% | −1.4% | +0.4% | +0.9% | +1.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.0% | 8.9% | 11.4% | 14.4% | 14.2% | 12.3% | 11.9% | 12.3% | 4.7% | 10.0% |
| Return on invested capital (ROIC) | — | 693.6% | — | — | — | — | 134.5% | — | — | — |
| Return on assets (ROA) | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | 1.2% | 1.2% | 1.2% | 0.4% | 0.9% |
| Return on tangible assets | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | 1.1% | 1.1% | 1.2% | 0.4% | 0.9% |
| Free cash flow margin | 11.9% | 21.0% | 24.9% | 70.6% | 109.0% | −61.1% | −14.3% | 37.6% | 18.5% | 21.0% |
| Income quality (OCF / net income) | 0.91 | 1.94 | 1.64 | 3.11 | 5.49 | −3.63 | −0.80 | 2.64 | 3.92 | 2.00 |
| Financial health | ||||||||||
| Total debt | $113.3M | $122.6M | $109.5M | $92.1M | $90.5M | $76.2M | $236.2M | $159.7M | $167.9M | $164.6M |
| Cash & short-term investments | $406.4M | $132.0M | $537.6M | $539.3M | $640.8M | $373.1M | $355.2M | $329.9M | $338.4M | $313.2M |
| Net debt | −$293.0M | −$9.4M | −$428.1M | −$447.2M | −$550.4M | −$296.9M | −$119.0M | −$170.2M | −$170.5M | −$148.7M |
| Debt / equity | 0.43 | 0.54 | 0.51 | 0.47 | 0.43 | 0.39 | 1.43 | 1.05 | 1.18 | 1.18 |
| Debt / assets | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.14 | 0.10 | 0.11 | 0.11 |
| Net debt / EBITDA | −8.00 | −0.34 | −12.95 | −10.82 | −12.85 | −8.89 | −4.28 | −6.49 | −7.96 | −6.97 |
| Current ratio | 0.18 | 0.06 | 0.26 | 0.27 | 0.33 | 0.21 | 3.91 | 0.28 | 0.29 | 0.28 |
| Quick ratio | 0.18 | 0.06 | 0.21 | 0.29 | 0.47 | 0.27 | 5.78 | 0.28 | 0.29 | 0.28 |
| Interest coverage | 0.7 | 0.6 | 1.1 | 4.7 | 4.6 | 2.2 | 1.6 | 2.0 | 1.9 | 2.0 |
| Working capital | −$1.95B | −$2.06B | −$1.58B | −$1.49B | −$1.30B | −$1.39B | $269.3M | −$860.1M | −$846.9M | −$812.5M |
| Invested capital | −$31.3M | $216.9M | −$211.2M | −$251.5M | −$340.0M | −$103.1M | $46.3M | −$18.3M | −$28.8M | −$9.4M |
| Tangible asset value | $236.2M | $200.6M | $190.9M | $169.4M | $183.9M | $167.0M | $149.9M | $136.4M | $125.7M | $122.5M |
| Net current asset value | −$2.09B | −$2.19B | −$1.67B | −$1.59B | −$1.41B | −$1.51B | −$1.13B | −$1.03B | −$1.02B | −$992.3M |
| Graham number | $122.79 | $96.31 | $99.47 | $101.87 | $102.19 | $85.11 | $76.74 | $70.90 | $41.52 | $59.41 |
| Graham net-net per share | −$645.84 | −$665.58 | −$476.56 | −$457.23 | −$428.78 | −$427.70 | −$353.14 | −$295.24 | −$293.43 | −$287.54 |
| Capital allocation | ||||||||||
| Dividends paid | $6.0M | $5.8M | $6.0M | $5.8M | $5.7M | $5.5M | $5.1M | $4.9M | $4.6M | $4.5M |
| Share buybacks (net) | $943,000 | $8.8M | $7.8M | $5.4M | $8.2M | $1.1M | $4.4M | $1.5M | $560,000 | $414,000 |
| Dividend payout ratio | 22.2% | 29.1% | 25.4% | 19.7% | 19.8% | 25.1% | 27.2% | 27.4% | 70.6% | 33.2% |
| Dividends + buybacks / free cash flow | 31.1% | 41.5% | 36.8% | 12.8% | 9.1% | — | — | 14.6% | 24.1% | 20.1% |
| Capex / revenue | 1.3% | 2.1% | 1.0% | 2.7% | 3.4% | 6.9% | 2.2% | 2.9% | 3.6% | 2.3% |
| Capex / operating cash flow | 9.5% | 9.1% | 3.8% | 3.7% | 3.0% | — | — | 7.1% | 16.2% | 10.0% |
| Capex / depreciation | 0.66 | 0.90 | 0.38 | 0.78 | 1.01 | 2.44 | 0.70 | 0.92 | 1.21 | 0.79 |
| Stock-based compensation / revenue | 1.0% | 1.2% | 1.3% | 1.6% | 1.2% | 1.0% | 1.2% | 1.1% | 1.2% | 1.1% |
| SG&A / revenue | 30.5% | 34.0% | 38.8% | 41.1% | 43.7% | 40.0% | 39.3% | 37.1% | 38.6% | 43.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 21.9 | 23.0 | 23.6 | 23.3 | 19.4 | 18.3 | 20.8 | 23.3 | 23.2 | 22.3 |
| Days of inventory on hand | — | — | 332.1 | -5,140.3 | -7,589.9 | -2,009.0 | -1,366.1 | 8.6 | 8.3 | 11.5 |
| Days payables outstanding | 26.2 | 25.7 | 23.4 | 27.5 | 37.3 | 17.9 | 17.5 | 14.6 | 10.8 | 9.5 |
| Cash conversion cycle (days) | -4.3 | -2.7 | 332.3 | -5,144.5 | -7,607.7 | -2,008.6 | -1,362.8 | 17.4 | 20.7 | 24.3 |
| Receivables turnover | 16.68 | 15.87 | 15.45 | 15.63 | 18.77 | 19.92 | 17.56 | 15.64 | 15.73 | 16.39 |
| Payables turnover | 13.95 | 14.20 | 15.62 | 13.29 | 9.80 | 20.39 | 20.87 | 25.07 | 33.79 | 38.56 |
| Inventory turnover | — | — | 1.10 | — | — | — | — | 42.58 | 44.17 | 31.72 |
| Asset turnover | 0.07 | 0.07 | 0.06 | 0.05 | 0.06 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Average receivables | $11.2M | $10.5M | $9.7M | $7.9M | $7.5M | $7.4M | $7.1M | $7.5M | $7.4M | $7.0M |
| Average payables | $4.1M | $3.9M | $2.2M | $832,500 | $912,000 | $1.2M | $1.1M | $879,000 | $770,500 | $700,500 |
| Average inventory | — | — | $31.6M | −$155.8M | −$185.8M | −$134.6M | −$86.3M | $517,500 | $589,500 | $851,500 |
| Intangibles / total assets | 0.9% | 1.0% | 1.1% | 1.2% | 1.2% | 1.3% | 0.9% | 1.0% | 1.1% | 1.1% |
Computed from CFFI's annual financial statements (latest annual report filed March 3, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CFFI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), C&F Financial traded at 8.8 times earnings, against a 10-year median of 10.0. Based on the latest twelve months, the trailing P/E is 11.4 and the forward P/E is 5.7. C&F Financial earned a return on equity of 11.0% in fiscal 2025. It ended the year with $113.3 million of debt and $406.4 million in cash and short-term investments, a net cash position of $293.0 million. It returned $6.9 million to shareholders: $6.0 million in dividends and $0.9 million in share buybacks, 31% of free cash flow. The share count fell 6.3% from 3.5M to 3.2M over 9 years.
See the CFFI income statement, the CFFI chart for price history, or the CFFI stock overview for the latest quote and news.
CFFI key metrics FAQ
What is C&F Financial's P/E ratio?
C&F Financial's trailing P/E ratio is 11.4 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 5.7. At the end of fiscal 2025 it was 8.8, compared with a 10-year median of 10.0.
What is C&F Financial's return on equity?
C&F Financial's return on equity (ROE) was 11.0% in fiscal 2025: net income of $26.8 million on average shareholders' equity of $244.1 million.
How much debt does C&F Financial have?
C&F Financial had total debt of $113.3 million at the end of fiscal 2025, a debt-to-equity ratio of 0.43 and more cash than debt.
What is C&F Financial's dividend yield?
C&F Financial's forward dividend yield is 1.88%. C&F Financial paid $6.0 million in dividends in fiscal 2025 ($1.84 per share), a payout ratio of 22.2%.
Does C&F Financial buy back its shares?
Yes. C&F Financial spent $0.9 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.9% over the year, to 3.2M..
What is C&F Financial's free cash flow yield?
C&F Financial generated $22.2 million of free cash flow in fiscal 2025, a free cash flow yield of 9.4% on its market value at year-end ($235.0 million).
What is C&F Financial's current ratio?
C&F Financial's current ratio was 0.18 at the end of fiscal 2025: current assets were 0.18 times current liabilities.