CFFI
C&F Financial Corporation
98.30$
+1.5%
vs. previous close
Closing price · As of: Oct 2, 2026
Statements
Ratios
Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.
Tick rows to compare them in a chart (up to 4)
| Line item | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||||||||||||||||||||||
| – | 11.9 | 12.1 | 9.4 | 9.1 | 9.0 | 9.3 | 11.6 | 13.5 | 11.1 | 10.7 | 11.3 | 11.6 | 10.5 | 8.5 | 6.5 | 7.9 | 10.9 | 11.1 | 10.6 | 12.8 | 30.8 | 10.3 | 10.1 | 6.1 | 6.4 | 7.0 | 9.9 | 11.9 | 8.8 | |
| – | 2.2 | 2.2 | 1.9 | 1.5 | 1.6 | 1.7 | 2.2 | 2.3 | 1.7 | 1.5 | 1.1 | 0.5 | 0.6 | 0.7 | 0.9 | 1.3 | 1.5 | 1.3 | 1.2 | 1.5 | 1.7 | 1.6 | 1.5 | 0.9 | 1.3 | 1.7 | 1.6 | 1.4 | 1.3 | |
| – | 1.8 | 2.0 | 1.8 | 1.4 | 1.6 | 1.6 | 2.3 | 2.2 | 2.2 | 1.9 | 1.5 | 0.7 | 0.7 | 0.7 | 0.9 | 1.3 | 1.4 | 1.1 | 1.0 | 1.2 | 1.4 | 1.2 | 1.2 | 0.7 | 0.9 | 1.0 | 1.1 | 1.0 | 0.9 | |
| – | – | 2.4 | – | 1.2 | 1.4 | 2.5 | 3.1 | 3.6 | 2.5 | 2.6 | 2.9 | 2.8 | 1.9 | 2.2 | 2.6 | 2.7 | 2.7 | 1.3 | 1.5 | 2.0 | 2.1 | 2.0 | 2.1 | 0.8 | 0.1 | 2.2 | 1.8 | 1.8 | 1.4 | |
| – | – | 8.2 | – | 4.8 | 5.1 | 8.3 | 9.9 | 13.5 | 10.3 | 11.6 | 18.1 | 35.9 | 20.0 | 17.3 | 11.2 | 10.1 | 11.3 | 6.7 | 7.9 | 11.0 | 11.7 | 8.8 | 9.4 | 3.7 | 0.2 | 6.5 | 8.1 | 10.4 | 7.4 | |
| – | – | – | 1.5 | 4.4 | – | – | 1.8 | – | 8.1 | – | 3.0 | 2.4 | 1.8 | – | 3.2 | 4.5 | 2.6 | 4.2 | 9.8 | 7.1 | 9.4 | 4.2 | – | – | 1.2 | 2.4 | 6.2 | 6.7 | 10.6 | |
| – | -9.6% | -45.3% | 66.0% | 22.8% | -78.5% | -24.3% | 55.8% | -6.4% | 12.4% | -0.7% | 32.9% | 42.1% | 54.2% | -21.0% | 31.0% | 22.1% | 38.1% | 23.7% | 10.2% | 14.1% | 10.7% | 23.7% | -9.4% | -66.9% | 82.7% | 42.5% | 16.1% | 14.9% | 9.4% | |
| Margins | ||||||||||||||||||||||||||||||
| 37.8% | 68.7% | 69.6% | 72.0% | 66.9% | 72.9% | 80.2% | 82.4% | 82.3% | 77.1% | 73.2% | 66.4% | 61.3% | 66.5% | 71.7% | 71.4% | 76.9% | 76.7% | 76.5% | 77.5% | 76.6% | 77.7% | 81.2% | 81.5% | 83.5% | 93.6% | 91.0% | 76.8% | 66.3% | 69.5% | |
| 40.6% | 24.5% | 25.4% | 26.5% | 21.7% | 24.8% | 26.7% | 28.3% | 24.7% | 22.2% | 20.4% | 13.0% | 5.3% | 7.3% | 11.1% | 20.6% | 24.6% | 21.2% | 16.5% | 16.1% | 15.5% | 15.4% | 19.2% | 19.2% | 19.7% | 27.2% | 29.9% | 19.5% | 14.5% | 17.8% | |
| 32.8% | 18.5% | 18.2% | 19.6% | 16.5% | 17.5% | 18.8% | 19.0% | 17.1% | 15.4% | 14.1% | 9.3% | 4.6% | 5.4% | 8.1% | 14.3% | 16.8% | 14.1% | 11.7% | 11.6% | 11.7% | 5.6% | 15.3% | 15.1% | 14.9% | 20.5% | 23.6% | 15.8% | 11.9% | 14.4% | |
| -42.5% | -21.1% | -99.4% | 122.2% | 34.1% | -123.2% | -42.2% | 123.1% | -14.7% | 21.3% | -1.1% | 34.7% | 22.4% | 30.9% | -14.6% | 28.8% | 29.1% | 58.8% | 30.6% | 12.5% | 21.0% | 18.5% | 37.6% | -14.3% | -61.1% | 109.0% | 70.6% | 24.9% | 21.0% | 11.9% | |
| Returns | ||||||||||||||||||||||||||||||
| 12.6% | 15.4% | 16.7% | 19.4% | 15.0% | 17.9% | 17.4% | 19.8% | 16.0% | 19.6% | 17.8% | 13.0% | 6.4% | 6.2% | 8.7% | 13.5% | 16.0% | 12.8% | 10.0% | 9.6% | 9.7% | 4.6% | 11.9% | 11.4% | 11.4% | 13.6% | 14.9% | 10.9% | 8.8% | 10.3% | |
| 1.6% | 1.8% | 1.9% | 2.1% | 1.7% | 2.0% | 1.8% | 2.3% | 1.8% | 1.8% | 1.7% | 1.1% | 0.5% | 0.6% | 0.9% | 1.4% | 1.7% | 1.1% | 0.9% | 0.9% | 0.9% | 0.4% | 1.2% | 1.1% | 1.1% | 1.3% | 1.3% | 1.0% | 0.8% | 1.0% | |
| Balance Sheet & Debt | ||||||||||||||||||||||||||||||
| – | – | 6.2 | – | -9.8 | -6.1 | 39 | 58 | 88 | 59 | 97 | 165 | 210 | 133 | 154 | 150 | 137 | 113 | -0.6 | 24 | 61 | 48 | 45 | 71 | -11 | -177 | 65 | 34 | 57 | 34 | |
| – | – | 0.6 | – | -1.1 | -0.5 | 2.5 | 2.8 | 5.0 | 3.2 | 5.0 | 11.4 | 29.2 | 13.9 | 11.9 | 7.2 | 5.2 | 4.7 | 0.0 | 1.2 | 2.9 | 2.3 | 1.7 | 2.5 | -0.3 | -4.1 | 1.6 | 1.0 | 2.0 | 0.9 | |
| 12.6% | 11.4% | 11.4% | 10.7% | 11.2% | 11.1% | 10.2% | 11.4% | 11.5% | 8.9% | 9.3% | 8.3% | 7.6% | 10.0% | 10.3% | 10.4% | 10.5% | 8.6% | 9.2% | 9.3% | 9.6% | 9.4% | 10.0% | 10.0% | 9.3% | 9.3% | 8.4% | 8.9% | 8.8% | 9.5% | |
| – | – | 0.4 | – | 0.1 | 0.1 | 1.0 | 1.6 | 1.9 | 1.7 | 1.8 | 2.7 | 3.4 | 1.9 | 1.8 | 1.7 | 1.6 | 1.5 | 1.4 | 1.4 | 1.2 | 1.2 | 1.1 | 1.4 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 | |
| Per Share | ||||||||||||||||||||||||||||||
| 0.92 | 1.11 | 1.56 | 1.81 | 1.60 | 2.23 | 2.67 | 3.42 | 3.00 | 3.36 | 3.71 | 2.68 | 1.37 | 1.81 | 2.61 | 4.09 | 4.96 | 4.18 | 3.59 | 3.68 | 3.89 | 1.88 | 5.15 | 5.47 | 6.06 | 7.95 | 8.29 | 6.92 | 6.01 | 8.29 | |
| 2.80 | 6.00 | 8.57 | 9.24 | 9.70 | 12.74 | 14.24 | 18.00 | 17.57 | 21.77 | 26.27 | 28.69 | 29.71 | 33.35 | 32.08 | 28.67 | 29.52 | 29.58 | 30.82 | 31.68 | 33.42 | 33.51 | 33.55 | 36.16 | 40.62 | 38.84 | 35.10 | 43.89 | 50.46 | 57.49 | |
| 7.30 | 7.20 | 9.36 | 9.34 | 10.63 | 12.49 | 15.38 | 17.31 | 18.74 | 17.13 | 20.78 | 20.63 | 21.21 | 29.15 | 29.89 | 30.29 | 30.91 | 32.79 | 35.97 | 38.52 | 40.28 | 40.64 | 43.40 | 47.89 | 53.11 | 58.35 | 55.63 | 63.56 | 68.59 | 80.85 | |
| -1.19 | -1.27 | -8.52 | 11.29 | 3.31 | -15.70 | -6.00 | 22.16 | -2.59 | 4.63 | -0.29 | 9.96 | 6.66 | 10.31 | -4.69 | 8.24 | 8.59 | 17.40 | 9.42 | 3.98 | 7.02 | 6.19 | 12.62 | -5.18 | -24.83 | 42.34 | 24.78 | 10.95 | 10.61 | 6.84 | |
Data as of: October 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.