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C & F FINANCIAL CORP

CFFI

$108.16 ▼ -4.03 (-3.59%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

C & F FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $350.2M

Dividend Yield 1.70%

Revenue Growth 10.6% ↗

Op. Margin 23.5% ↗

ROIC None

FCF / Share None

Trailing P/E 13.1x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.08

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$140.84M

↑ +10.6% —

Net Income Profit after all expenses

$26.84M

↑ +35.3% —

Operating Margin Operating profit as % of sales

23.5%

↑ +23.9% 80th

Long-Term Debt Long-term obligations

$132.99M

— 0.0% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.84 Latest / share

+4.5% YoY

+4.0% 12-yr CAGR

$1.19

FY 2014

$1.22

FY 2015

$1.29

FY 2016

$1.33

FY 2017

$1.41

FY 2018

$1.49

FY 2019

$1.52

FY 2020

$1.58

FY 2021

$1.64

FY 2022

$1.76

FY 2023

$1.76

FY 2024

$1.84

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	-0.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-100%)	3.8% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-247%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-144%)	22.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+280%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	3.8% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	7.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	—	—	—	—	—
EPS Growth YoY (%)	37.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	31.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	10.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	172.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-51.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	1.4% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-12.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	33.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	66.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	56.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	35.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.0% Weak ↓ Weak Declining Year-over-year change in net income	-19.1% Weak ↓ Weak Declining Year-over-year change in net income	1.7% Caution ↓ Caution Declining Year-over-year change in net income	29.6% Excellent ↓ Excellent Declining Year-over-year change in net income	17.3% Good ↓ Good Declining Year-over-year change in net income	4.7% Caution ↓ Caution Declining Year-over-year change in net income	174.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-51.2% Weak ↓ Weak Declining Year-over-year change in net income	7.4% Fair ↑ Fair Improving Year-over-year change in net income	1.5% Caution ↑ Caution Improving Year-over-year change in net income	-14.3% Weak ↓ Weak Declining Year-over-year change in net income	-12.1% Weak ↓ Weak Declining Year-over-year change in net income	26.2% Excellent ↓ Excellent Declining Year-over-year change in net income	60.0% Excellent Excellent Year-over-year change in net income	46.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.2% Caution Caution Compound annual revenue growth over 3 years	4.2% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.7% Caution Caution Compound annual revenue growth over 5 years	4.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-8.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	47.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	-19.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	24.5% Excellent Excellent Compound annual EPS growth over 3 years	51.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	23.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	19.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	22.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	28.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	21.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	21.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	21.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.8% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	16.9% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	17.5% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	18.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	63.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	19.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	15.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	23.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	6.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	12.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	12.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	12.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	15.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	18.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	12.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	16.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	8.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	6.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.19x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.17x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	1.28x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+7%)	1.39x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+16%)	1.46x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+22%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$43.50	$38.58	$37.32	$34.88	$37.33	$37.86	$32.59	$30.64	$30.61	$30.71	$29.13	$28.61	$28.38	$27.21	—	—	—	—
Basic EPS, GAAP (USD)	$8.29	$6.01	$6.92	$8.29	$7.95	$6.06	$5.47	$5.15	$1.89	$3.90	$3.68	$3.63	$4.36	$5.00	$3.76	$2.26	$1.44	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.84	$1.76	$1.76	$1.64	$1.58	$1.52	$1.49	$1.41	$1.33	$1.29	$1.22	$1.19	—	—	$1.01	$1.00	$1.06	—
Book Value per Share (USD)	$80.64	$70.00	$64.28	$56.27	$59.32	$52.80	$47.93	$43.45	$40.53	$40.09	$38.53	$36.16	$33.33	$31.35	$30.23	$30.07	—	—
Tangible Book Value per Share (USD)	$72.88	$62.21	$56.81	$49.03	$52.21	$45.94	$43.74	$39.33	$35.95	$35.28	$34.29	$31.94	$27.31	$28.06	$26.86	$26.60	—	—
Basic Weighted Avg Shares (shares)	3.24M	3.30M	3.41M	3.52M	3.60M	3.65M	3.45M	3.50M	3.49M	3.45M	3.40M	3.40M	3.31M	3.22M	3.14M	3.09M	—	—
Dividend Payout Ratio (%)	22.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	27.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	70.4% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.1% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	33.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	32.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	26.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	73.6% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	$132.99M	$132.99M	$132.99M	—	—	—
Total Equity (USD)	$261.75M	$226.36M	$216.88M	$195.63M	$210.32M	$193.81M	$164.80M	$151.96M	$141.70M	$139.21M	$131.06M	$123.61M	$112.94M	$102.20M	$96.09M	$92.78M	$88.88M	$64.86M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$140.84M	$127.31M	$127.32M	$122.68M	$134.53M	$138.14M	$112.47M	$107.28M	$106.73M	$106.10M	$99.07M	$97.38M	$93.81M	$87.47M	—	—	—	—
Depreciation Expense (USD)	$3.21M	$3.14M	$3.29M	$3.74M	—	—	—	—	$2.68M	$2.57M	$2.51M	$2.74M	$2.38M	$2.27M	—	—	—	—
Net Income, GAAP (USD)	$26.84M	$19.83M	$23.60M	$29.16M	$28.67M	$22.12M	$18.86M	$18.02M	$6.57M	$13.46M	$12.53M	$12.34M	$14.40M	$16.38M	$12.98M	$8.11M	$5.53M	—
Operating Cash Flow (USD)	$24.49M	$36.77M	$38.81M	$90.56M	$157.39M	$-80.37M	$-15.16M	$47.12M	$26.59M	$27.25M	$15.33M	—	$63.64M	$29.69M	$27.99M	$-13.41M	$31.84M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.8%	4.0%	4.0%	3.8%	4.0%	4.9%	5.4%	5.3%	5.5%	5.6%	5.8%	5.5%	6.8%	6.7%	6.3%	—	—
Efficiency Ratio (%) (%)	68.3%	70.6%	70.6%	67.3%	71.3%	70.8%	71.1%	68.7%	67.8%	66.1%	66.8%	65.3%	61.4%	58.4%	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 18 years · 68 quarters

C & F FINANCIAL CORP

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