# C&F Financial Corporation (CFFI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $94.89, market value $309 million.

## Valuation
- **P/E (trailing): 10.5×** (5-yr avg 8.2×, 3-yr avg 9.7×). C&F Financial Corporation trades at 10.5× trailing earnings, well above its own five-year average of 8.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 2.1×**. Each dollar of revenue is priced at 2.1×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.5%** (5-yr avg 36.6%). Free cash flow equals 12.5% of the market value, below its five-year average of 36.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.5%**. The inverse of the P/E: 9.5% of the price is earned each year.

## Profitability
- **Net margin: 19.1%**. 19.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.3%**. 10.3% on shareholders' equity is solid.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 10.6%** (3-yr 4.7%/yr, 5-yr 0.4%/yr). Revenue grew 10.6% over the last year, against 0.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 37.9%** (3-yr 0.0%/yr, 5-yr 6.5%/yr). Earnings per share rose 37.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -36.6%/yr**. Free cash flow has compounded at -36.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.03%** ($1.88 per share, trailing). C&F Financial Corporation yields 2.03%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 22%** (16% of free cash flow). 22% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.9%/yr** (1-yr 4.5%). The dividend has grown 3.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 35.2%** (YTD 32.4%, 3-mo 27.5%). The shares are up 35.2% over twelve months including dividends.
- **From 52-week high: -1.2%** (46.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 0.25** (volatility 34%). Beta of 0.25 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CFFI · Page: https://foliofundamentals.com/stocks/cffi

Not investment advice.