CFFI
VENTE TOTALE: 2 925 titres (~261 151,00 $ US)
- Insiders
- DILLON LARRY G, PEAY D ANTHONY, CHERRY THOMAS F
- Total bought
- —
- Total sold
- $261,151
- Last activity
- 2026-09-04
- Last synced
-
2026-09-10 10:26:50
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-10
CFFI presents a deeply concerning risk profile driven by severe liquidity stress (current ratio of 0.18, interest coverage below 1.0) that overwhelms the moderate fundamental recovery and modest earnings catalyst.
The first sentence of the analysis written for CFFI on 2026-09-10 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.5% | 66.3% | 76.8% | 91.0% | 93.6% | |
| Ebit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Ebitda Margin | 19.7% | 16.8% | 22.1% | 33.5% | 30.6% | |
| Operating Profit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Pretax Profit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Continuous Operations Profit Margin | 14.5% | 12.0% | 15.9% | 23.8% | 20.8% | |
| Net Profit Margin | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | |
| Bottom Line Profit Margin | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | |
| Current Ratio | 0.176 | 0.065 | 0.258 | 0.269 | 0.332 | |
| Quick Ratio | 0.176 | 0.065 | 0.258 | 0.269 | 0.332 | |
| Solvency Ratio | 0.012 | 0.010 | 0.012 | 0.016 | 0.016 | |
| Cash Ratio | 0.033 | 0.030 | 0.035 | 0.013 | 0.137 | |
| Price To Earnings Ratio | 8.756 | 11.855 | 9.854 | 7.029 | 6.439 | |
| Price To Earnings Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Forward Price To Earnings Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Price To Earnings Diluted Ratio | 8.756 | 11.855 | 9.854 | 7.029 | 6.439 | |
| Price To Earnings Diluted Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Price To Book Ratio | 0.898 | 1.039 | 1.073 | 1.048 | 0.877 | |
| Price To Sales Ratio | 1.263 | 1.412 | 1.554 | 1.660 | 1.318 | |
| Price To Free Cash Flow Ratio | 10.605 | 6.717 | 6.229 | 2.351 | 1.209 | |
| Price To Operating Cash Flow Ratio | 9.597 | 6.109 | 5.995 | 2.263 | 1.172 | |
| Debt To Assets Ratio | 0.041 | 0.048 | 0.045 | 0.039 | 0.040 | |
| Debt To Equity Ratio | 0.433 | 0.542 | 0.505 | 0.471 | 0.430 | |
| Debt To Capital Ratio | 0.302 | 0.351 | 0.336 | 0.320 | 0.301 | |
| Long Term Debt To Capital Ratio | 0.263 | 0.293 | 0.191 | 0.221 | 0.209 | |
| Financial Leverage Ratio | 10.577 | 11.324 | 11.244 | 11.922 | 10.767 | |
| Working Capital Turnover Ratio | -0.093 | -0.091 | -0.097 | -0.088 | -0.104 | |
| Operating Cash Flow Ratio | 0.010 | 0.017 | 0.018 | 0.044 | 0.081 | |
| Operating Cash Flow Sales Ratio | 0.132 | 0.231 | 0.259 | 0.734 | 1.124 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.905 | 0.909 | 0.962 | 0.963 | 0.970 | |
| Debt Service Coverage Ratio | 0.468 | 0.331 | 0.326 | 0.758 | 0.786 | |
| Interest Coverage Ratio | 0.730 | 0.564 | 1.103 | 4.685 | 4.556 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.224 | 1.327 | 0.667 | 2.475 | 4.531 | |
| Operating Cash Flow Coverage Ratio | 0.216 | 0.314 | 0.354 | 0.983 | 1.740 | |
| Capital Expenditure Coverage Ratio | 10.515 | 11.041 | 26.601 | 26.682 | 32.885 | |
| Dividend Paid And Capex Coverage Ratio | 2.957 | 4.154 | 5.213 | 9.897 | 15.045 | |
| Dividend Payout Ratio | 0.222 | 0.291 | 0.254 | 0.197 | 0.198 | |
| Enterprise Value Multiple | 7.354 | 10.438 | 8.082 | 6.543 | 0.168 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.5% | ▲3.1% | ▼-10.0% |
| Ebit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Ebitda Margin | 19.7% | ▲2.9% | ▼-4.9% |
| Operating Profit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Pretax Profit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Continuous Operations Profit Margin | 14.5% | ▲2.5% | ▼-2.9% |
| Net Profit Margin | 14.4% | ▲2.5% | ▼-2.8% |
| Bottom Line Profit Margin | 14.4% | ▲2.5% | ▼-2.8% |
| Current Ratio | 0.176 | ▲0.112 | ▼-0.043 |
| Quick Ratio | 0.176 | ▲0.112 | ▼-0.043 |
| Solvency Ratio | 0.012 | ▲0.002 | ▼-0.001 |
| Cash Ratio | 0.033 | ▲0.004 | ▼-0.016 |
| Price To Earnings Ratio | 8.756 | ▼-3.099 | ▼-0.030 |
| Price To Earnings Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Forward Price To Earnings Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Price To Earnings Diluted Ratio | 8.756 | ▼-3.099 | ▼-0.030 |
| Price To Earnings Diluted Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Price To Book Ratio | 0.898 | ▼-0.141 | ▼-0.089 |
| Price To Sales Ratio | 1.263 | ▼-0.149 | ▼-0.179 |
| Price To Free Cash Flow Ratio | 10.605 | ▲3.888 | ▲5.183 |
| Price To Operating Cash Flow Ratio | 9.597 | ▲3.487 | ▲4.569 |
| Debt To Assets Ratio | 0.041 | ▼-0.007 | ▼-0.002 |
| Debt To Equity Ratio | 0.433 | ▼-0.109 | ▼-0.043 |
| Debt To Capital Ratio | 0.302 | ▼-0.049 | ▼-0.020 |
| Long Term Debt To Capital Ratio | 0.263 | ▼-0.030 | ▲0.027 |
| Financial Leverage Ratio | 10.577 | ▼-0.748 | ▼-0.590 |
| Working Capital Turnover Ratio | -0.093 | ▼-0.001 | ▲0.002 |
| Operating Cash Flow Ratio | 0.010 | ▼-0.007 | ▼-0.024 |
| Operating Cash Flow Sales Ratio | 0.132 | ▼-0.100 | ▼-0.364 |
| Free Cash Flow Operating Cash Flow Ratio | 0.905 | ▼-0.004 | ▼-0.037 |
| Debt Service Coverage Ratio | 0.468 | ▲0.137 | ▼-0.066 |
| Interest Coverage Ratio | 0.730 | ▲0.167 | ▼-1.597 |
| Short Term Operating Cash Flow Coverage Ratio | 1.224 | ▼-0.103 | ▼-0.820 |
| Operating Cash Flow Coverage Ratio | 0.216 | ▼-0.098 | ▼-0.505 |
| Capital Expenditure Coverage Ratio | 10.515 | ▼-0.525 | ▼-11.030 |
| Dividend Paid And Capex Coverage Ratio | 2.957 | ▼-1.197 | ▼-4.496 |
| Dividend Payout Ratio | 0.222 | ▼-0.070 | ▼-0.011 |
| Enterprise Value Multiple | 7.354 | ▼-3.083 | ▲0.837 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $235.0M | $235.1M | $232.7M | $204.9M | $184.5M | |
| Enterprise value | $269.2M | $292.1M | $267.0M | $270.4M | $7.2M | |
| EV / Sales | 1.45x | 1.75x | 1.78x | 2.19x | 0.05x | |
| EV / Op. cash flow | 10.99x | 7.59x | 6.88x | 2.98x | 0.05x | |
| EV / Free cash flow | 12.15x | 8.35x | 7.15x | 3.10x | 0.05x | |
| EV / EBITDA | 7.35x | 10.44x | 8.08x | 6.54x | 0.17x | |
| Net debt / EBITDA | 0.93x | 2.04x | 1.04x | 1.58x | -4.14x | |
| Current ratio | 0.18x | 0.07x | 0.26x | 0.27x | 0.33x | |
| Income quality | 0.91x | 1.93x | 1.63x | 3.08x | 5.40x | |
| Graham number | $123 | $96 | $99 | $102 | $102 | |
| Graham net-net | -$646 | -$666 | -$491 | -$452 | -$391 | |
| Tax burden | 81.1% | 82.2% | 80.9% | 78.9% | 75.3% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.95B | -$2.06B | -$1.58B | -$1.49B | -$1.30B | |
| Invested capital | -$1.89B | -$2.00B | -$1.51B | -$1.42B | -$1.23B | |
| Return on assets | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | |
| Operating ROA | 1.2% | 1.0% | 1.2% | 1.6% | 1.8% | |
| Return on tangible assets | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | |
| Return on equity | 10.3% | 8.8% | 10.9% | 14.9% | 13.6% | |
| Return on invested capital | 6.4% | 5.1% | 6.4% | 9.0% | 8.3% | |
| Return on capital employed | 8.3% | 6.7% | 9.4% | 12.7% | 12.1% | |
| Earnings yield | 11.4% | 8.4% | 10.1% | 14.2% | 15.5% | |
| Free cash flow yield | 9.4% | 14.9% | 16.1% | 42.5% | 82.7% | |
| Capex / Op. cash flow | 9.5% | 9.1% | 3.8% | 3.7% | 3.0% | |
| Capex / Depreciation | 65.9% | 90.4% | 37.6% | 77.9% | 100.9% | |
| Capex / Sales | 1.3% | 2.1% | 1.0% | 2.7% | 3.4% | |
| SG&A / Sales | 30.5% | 34.0% | 38.8% | 41.1% | 43.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.0% | 1.2% | 1.3% | 1.6% | 1.2% | |
| Intangibles / Total assets | 0.9% | 1.0% | 1.1% | 1.2% | 1.2% | |
| Days sales outstanding | 23d | 23d | 25d | 27d | 18d | |
| Days payables outstanding | 24d | 29d | 37d | 31d | 29d | |
| Operating cycle | 23d | 23d | 25d | 27d | 18d | |
| Cash conversion cycle | -1d | -5d | -11d | -5d | -11d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap -0.0%EV / Sales ▼-17.6%EV / EBITDA ▼-29.5%EV / Op. cash flow ▲+3.403Earnings yield ▲+0.030Graham number ▲+26.477
Profitability
Return on equity ▲+0.015Return on assets ▲+0.002Return on invested capital ▲+0.013Return on capital employed ▲+0.016Operating ROA ▲+0.003Income quality ▼-1.025Tax burden ▼-0.010
Efficiency
Days sales outstanding ▼-0.224Days payables outstanding ▼-4.614Operating cycle ▼-0.224Cash conversion cycle ▲+4.390Capex / Sales ▼-0.008R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.112Net debt / EBITDA ▼-1.103Working capital ▲+110246000.000Invested capital ▲+109090000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+27.4%EV / Sales ▲+2707.8%EV / EBITDA ▲+4267.6%EV / Op. cash flow ▲+10.947Earnings yield ▼-0.041Graham number ▲+20.596
Profitability
Return on equity ▼-0.034Return on assets ▼-0.003Return on invested capital ▼-0.019Return on capital employed ▼-0.038Operating ROA ▼-0.005Income quality ▼-4.497Tax burden ▲+0.059
Efficiency
Days sales outstanding ▲+5.237Days payables outstanding ▼-5.162Operating cycle ▲+5.237Cash conversion cycle ▲+10.399Capex / Sales ▼-0.022R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.156Net debt / EBITDA ▲+5.074Working capital ▼-648943000.000Invested capital ▼-655610000.000Intangibles / Total assets ▼-0.003
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-19 C&F Financial Corporation Announces Quarterly Dividend TOANO, Va., Aug. 19, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of C&F Financial Corporation (NASDAQ:CFFI) (the Corporation) has declared a regular cash dividend of 48 cents per share, which is payable October 1, 2026 to shareholders of record on September 15, 2026.
- 2026-07-24 CFFI Q2 Earnings Rise Y/Y on Loan Growth & Margin Gains C&F Financial''s Q2 earnings improve y/y on strong loan growth, margin expansion and mortgage banking gains, while strategic initiatives supported growth.
- 2026-07-23 C&F Financial Corporation Announces Net Income for Second Quarter and First Six Months TOANO, Va., July 23, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.6 million for the second quarter of 2026, an increase of 11.1 percent, compared to $7.8 million for the second quarter of 2025. The Corporation reported consolidated net income of $15.4 million for the first six months of 2026, an increase of 17.2 percent, compared to $13.2 million for the first six months of 2025.
- 2026-07-22 C&F Announces Expansion into Lynchburg Market TOANO, Va., July 22, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, is pleased to announce its expansion into the Lynchburg market and welcomes Ryan White as its new Market Executive. This addition underscores C&F''s commitment to providing outstanding service and building strong relationships with businesses and communities throughout the Commonwealth.
- 2026-07-08 BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now? Bank of the James''s earnings surge, efficiency gains, healthier asset quality and lower valuation make it look more attractive than C&F Financial for capital appreciation.