Financials C&F Financial Corporation

Equities

CFFI

US12466Q1040

Banks

Real-time Estimate Cboe BZX 02:47:15 2024-04-29 pm EDT 5-day change 1st Jan Change
38.71 USD +0.44% Intraday chart for C&F Financial Corporation -0.13% -43.32%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 186.3 189.4 135.4 181.1 202.7 229.7
Enterprise Value (EV) 1 231.2 188.1 124.8 6.332 270.7 265.2
P/E ratio 10.3 x 10.1 x 6.12 x 6.44 x 7.03 x 9.86 x
Yield 2.65% 2.69% 4.1% 3.09% 2.81% 2.58%
Capitalization / Revenue 1.94 x 1.82 x 1.05 x 1.35 x 1.7 x 1.93 x
EV / Revenue 2.4 x 1.81 x 0.97 x 0.05 x 2.27 x 2.23 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.22 x 1.15 x 0.7 x 0.86 x 1.04 x 1.06 x
Nbr of stocks (in thousands) 3,502 3,424 3,650 3,539 3,478 3,368
Reference price 2 53.21 55.33 37.11 51.19 58.27 68.19
Announcement Date 2/26/19 3/3/20 3/3/21 3/1/22 2/28/23 2/27/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 96.27 104 128.4 134.1 119 119
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 22.54 23.93 29.22 38.08 36.96 29.16
Net income 1 18.02 18.86 22.12 28.67 29.16 23.6
Net margin 18.72% 18.14% 17.22% 21.38% 24.5% 19.83%
EPS 2 5.147 5.465 6.060 7.950 8.291 6.918
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 1.410 1.490 1.520 1.580 1.640 1.760
Announcement Date 2/26/19 3/3/20 3/3/21 3/1/22 2/28/23 2/27/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 44.8 - - - 68 35.5
Net Cash position 1 - 1.33 10.7 175 - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 12.3% 11.9% 12.5% 14.4% 14.4% 11.5%
ROA (Net income/ Total Assets) 1.19% 1.19% 1.2% 1.34% 1.28% 1%
Assets 1 1,515 1,590 1,846 2,141 2,282 2,371
Book Value Per Share 2 43.50 47.90 52.80 59.30 56.30 64.30
Cash Flow per Share 2 32.60 47.80 23.60 75.50 7.670 22.30
Capex 1 3.37 2.71 10.2 4.79 3.39 1.46
Capex / Sales 3.5% 2.6% 7.96% 3.57% 2.85% 1.23%
Announcement Date 2/26/19 3/3/20 3/3/21 3/1/22 2/28/23 2/27/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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