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Last Update: 2023-12-23 06:01:53
C & F FINANCIAL CORP ( CFFI ) https://www.cffc.com
68.00USD
Sector:
Financial Services
Industry:
Banks-Regional
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
23.45%
CFFI
20.28%
SPY
30.72%
CFFI
105.93%
SPY
112.82%
CFFI
82.89%
SPY
201.04%
CFFI
157.51%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
230.63
13.51
0.01
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
7.96
2.42
1.15
25.07
2.59
0.31
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
23.29
100.00
46.08
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
5.102
1.67
1.41
0.30
Other Earnings and Cash Flow Stats:
C & F FINANCIAL CORP ( CFFI ) Net Income TTM ($MM) is 29.12
C & F FINANCIAL CORP ( CFFI ) Operating Income TTM ($MM) is 42.68
C & F FINANCIAL CORP ( CFFI ) Owners' Earnings Annual ($MM) is 103.72
C & F FINANCIAL CORP ( CFFI ) Current Price to Owners' Earnings ratio is 1.98
C & F FINANCIAL CORP ( CFFI ) EBITDA TTM ($MM) is 46.79
C & F FINANCIAL CORP ( CFFI ) EBITDA Margin is 46.08%
Capital Allocation:
C & F FINANCIAL CORP ( CFFI ) has paid 1.76 dividends per share and bought back 0.119702 million shares in the past 12 months
C & F FINANCIAL CORP ( CFFI ) has increased its debt by 173.12 million USD in the last 12 months
Capital Structure:
C & F FINANCIAL CORP ( CFFI ) Interest-bearing Debt ($MM) as of last quarter is 273
C & F FINANCIAL CORP ( CFFI ) Annual Working Capital Investments ($MM) are -31
C & F FINANCIAL CORP ( CFFI ) Book Value ($MM) as of last quarter is 200
C & F FINANCIAL CORP ( CFFI ) Debt/Capital as of last quarter is 135%
Other Balance Sheet Stats:
C & F FINANCIAL CORP ( CFFI ) has 17 million in cash on hand as of last quarter
C & F FINANCIAL CORP ( CFFI ) has 124 million of liabilities due within 12 months, and long term debt 149 as of last quarter
C & F FINANCIAL CORP ( CFFI ) has 3 common shares outstanding as of last quarter
C & F FINANCIAL CORP ( CFFI ) has 0 million USD of preferred stock value
Academic Scores:
C & F FINANCIAL CORP ( CFFI ) Altman Z-Score is 0.24 as of last quarter
C & F FINANCIAL CORP ( CFFI ) Piotroski Score is 5.00 as of last quarter
Corporate Governance:
C & F FINANCIAL CORP ( CFFI ) largest shareholder is Bridgeway Capital Management, LLC owning 35917 shares at 2.44 ($MM) value
S Dustin Crone(an insider) Sold 1000 shares of C & F FINANCIAL CORP ( CFFI ) for the amount of $56870.00 on 2023-06-08
6.20% of C & F FINANCIAL CORP ( CFFI ) is held by insiders, and 31.82% is held by institutions
C & F FINANCIAL CORP ( CFFI ) went public on 1998-01-22
Other C & F FINANCIAL CORP ( CFFI ) financial metrics:
FCF:46.10
Unlevered Free Cash Flow:69.77
EPS:6.81
Operating Margin:23.29
Gross Profit Margin:100.00
Div. Payout Ratio%:20.61
Div. Growth YoY%:8.64
Equity Return%:11.53
Beta:0.30
Buffet's Owners Earnings:103.72
Price to Owner's Earnings:1.98
About C & F FINANCIAL CORP ( CFFI ) :
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's community Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The company's Mortgage Banking segment provides various residential mortgage loans; 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; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination activities. The company's Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.
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