← C & F FINANCIAL CORP CFFI
Market Price
$88.75
Market Cap
$287.95M
P/E Ratio
10.71
Revenue (FY 2025)
↑10.6% YoY
$140.84M
3-Yr CAGR: 4.9%
Net Income
↑35.3% YoY
$26.84M
Net Margin: 19.1%
Free Cash Flow
↓-36.7% YoY
$22.16M
FCF Yield: 7.70%
EPS (Diluted)
↑37.9% YoY
$8.29
Basic: $8.29
Return on Equity
Efficiency
10.3%
ROA: 1.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CFFI)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $115.1M | — | $106.1M | $13.5M | — | $3.89 | — | $27.2M | $25.6M | — |
| FY 2017 | $116.3M | +1.1% | $106.7M | $6.6M | -51.2% | $1.88 | -51.7% | $26.6M | $22.7M | -11.2% |
| FY 2018 | $118.3M | +1.7% | $107.3M | $18.0M | +174.2% | $5.15 | +173.9% | $47.1M | $43.7M | +92.7% |
| FY 2019 | $127.0M | +7.4% | $112.5M | $18.9M | +4.7% | $5.47 | +6.2% | $-15.2M | $-17.9M | -140.8% |
| FY 2020 | $152.3M | +19.9% | $138.9M | $22.1M | +17.3% | — | — | $-80.4M | $-90.6M | -407.0% |
| FY 2021 | $134.5M | -11.7% | $126.2M | $28.7M | +29.6% | $7.95 | — | $157.4M | $152.6M | +268.4% |
| FY 2022 | $121.9M | -9.4% | $114.1M | $29.2M | +1.7% | $8.29 | +4.3% | $90.6M | $87.2M | -42.9% |
| FY 2023 | $127.3M | +4.4% | $100.9M | $23.6M | -19.1% | $6.92 | -16.5% | $38.8M | $37.4M | -57.1% |
| FY 2024 | $127.3M | -0.0% | $84.5M | $19.8M | -16.0% | $6.01 | -13.2% | $38.5M | $35.0M | -6.3% |
| FY 2025 | $140.8M | +10.6% | $95.6M | $26.8M | +35.3% | $8.29 | +37.9% | $24.5M | $22.2M | -36.7% |
Valuation
Market Price
$88.75
Market Cap
$287.95M
Enterprise Value
N/A
P/E Ratio
10.71
P/B Ratio
1.10
FCF Yield
7.70%
Dividend Yield
2.07%
Shares Outstanding
Profitability & Margins
Gross Margin
67.84%
Operating Margin
23.48%
Net Margin
19.05%
Return on Equity (ROE)
10.25%
Return on Assets (ROA)
0.97%
Asset Turnover
0.05x
Revenue 3-Yr CAGR
4.92%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
$80.43
Cash Flow Efficiency
Operating Cash Flow
$24.49M
Capital Expenditures (CapEx)
$2.33M
Free Cash Flow
$22.16M
OCF / Revenue
17.39%
FCF / Revenue
15.73%
FCF 3-Yr CAGR
-36.65%
Per Share Metrics
EPS (Diluted)
$8.29
EPS (Basic)
$8.29
Dividends / Share
$1.84
Book Value / Share
$80.43
EPS YoY Growth
37.94%
Balance Sheet (FY 2025)
Total Assets
$2.77B
Total Liabilities
$2.51B
Stockholders' Equity
$261.75M
Current Assets
N/A
Current Liabilities
N/A