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C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis

NASDAQ:CFFI - Nasdaq - US12466Q1040 - Common Stock - Currency: USD

79.19  -1.14 (-1.42%)

Fundamental Rating

2

CFFI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of CFFI have multiple concerns. CFFI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CFFI was profitable.
In the past year CFFI had a positive cash flow from operations.
Each year in the past 5 years CFFI has been profitable.
In multiple years CFFI reported negative operating cash flow during the last 5 years.
CFFI Yearly Net Income VS EBIT VS OCF VS FCFCFFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

CFFI has a Return On Assets (0.74%) which is in line with its industry peers.
The Return On Equity of CFFI (8.30%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.74%
ROE 8.3%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CFFI Yearly ROA, ROE, ROICCFFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

CFFI has a worse Profit Margin (14.79%) than 75.44% of its industry peers.
CFFI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CFFI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.93%
PM growth 5Y-1.5%
GM growth 3YN/A
GM growth 5YN/A
CFFI Yearly Profit, Operating, Gross MarginsCFFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for CFFI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CFFI Yearly Shares OutstandingCFFI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M
CFFI Yearly Total Debt VS Total AssetsCFFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of CFFI is 8.63, which is on the high side as it means it would take CFFI, 8.63 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.63, CFFI is not doing good in the industry: 69.92% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.63 indicates that CFFI is somewhat dependend on debt financing.
CFFI has a worse Debt to Equity ratio (0.63) than 80.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 8.63
Altman-Z N/A
ROIC/WACCN/A
WACC11.88%
CFFI Yearly LT Debt VS Equity VS FCFCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFFI Yearly Current Assets VS Current LiabilitesCFFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

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1

3. Growth

3.1 Past

The earnings per share for CFFI have decreased strongly by -12.78% in the last year.
Measured over the past 5 years, CFFI shows a small growth in Earnings Per Share. The EPS has been growing by 2.17% on average per year.
CFFI shows a decrease in Revenue. In the last year, the revenue decreased by -0.01%.
The Revenue has been growing slightly by 2.50% on average over the past years.
EPS 1Y (TTM)-12.78%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%24.3%
Revenue 1Y (TTM)-0.01%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%0.94%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CFFI Yearly Revenue VS EstimatesCFFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
CFFI Yearly EPS VS EstimatesCFFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

CFFI is valuated correctly with a Price/Earnings ratio of 13.13.
CFFI's Price/Earnings ratio is in line with the industry average.
CFFI is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.13
Fwd PE N/A
CFFI Price Earnings VS Forward Price EarningsCFFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

CFFI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.51
EV/EBITDA N/A
CFFI Per share dataCFFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)6.06
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CFFI has a Yearly Dividend Yield of 2.19%.
Compared to an average industry Dividend Yield of 3.18, CFFI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, CFFI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

The dividend of CFFI has a limited annual growth rate of 4.46%.
CFFI has paid a dividend for at least 10 years, which is a reliable track record.
CFFI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.46%
Div Incr Years13
Div Non Decr Years13
CFFI Yearly Dividends per shareCFFI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

31.00% of the earnings are spent on dividend by CFFI. This is a low number and sustainable payout ratio.
The dividend of CFFI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31%
EPS Next 2YN/A
EPS Next 3YN/A
CFFI Yearly Income VS Free CF VS DividendCFFI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M
CFFI Dividend Payout.CFFI Dividend Payout, showing the Payout Ratio.CFFI Dividend Payout.PayoutRetained Earnings

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C & F FINANCIAL CORP

NASDAQ:CFFI (2/21/2025, 8:07:31 PM)

79.19

-1.14 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22
Earnings (Next)04-17 2025-04-17
Inst Owners38.21%
Inst Owner Change-92.89%
Ins Owners7.01%
Ins Owner Change-1.16%
Market Cap255.78M
Analysts0
Price TargetN/A
Short Float %1.02%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 2.19%
Yearly Dividend1.74
Dividend Growth(5Y)4.46%
DP31%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.13
Fwd PE N/A
P/S 2
P/FCF 15.51
P/OCF 12.79
P/B 1.13
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)6.03
EY7.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.11
FCFY6.45%
OCF(TTM)6.19
OCFY7.82%
SpS39.5
BVpS70.38
TBVpS62.21
PEG (NY)N/A
PEG (5Y)6.06
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 8.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.79%
GM N/A
FCFM 12.92%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.93%
PM growth 5Y-1.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 8.63
Debt/EBITDA N/A
Cap/Depr 92.02%
Cap/Sales 2.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.88%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12.78%
EPS 3Y-8.97%
EPS 5Y2.17%
EPS Q2Q%24.3%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.01%
Revenue growth 3Y-1.84%
Revenue growth 5Y2.5%
Sales Q2Q%0.94%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-53.91%
OCF growth 3YN/A
OCF growth 5YN/A