C&F Financial Corporation (CFFI): Price and Financial Metrics

CFFI POWR Grades

• Stability is the dimension where CFFI ranks best; there it ranks ahead of 86.6% of US stocks.
• CFFI's strongest trending metric is Growth; it's been moving up over the last 177 days.
• CFFI ranks lowest in Quality; there it ranks in the 28th percentile.

CFFI Stock Summary

• The price/operating cash flow metric for C & F FINANCIAL CORP is higher than just 9.85% of stocks in our set with a positive cash flow.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.98 for C & F FINANCIAL CORP; that's greater than it is for 93.87% of US stocks.
• As for revenue growth, note that CFFI's revenue has grown -11.33% over the past 12 months; that beats the revenue growth of merely 13.72% of US companies in our set.
• Stocks that are quantitatively similar to CFFI, based on their financial statements, market capitalization, and price volatility, are GABC, OVLY, SAL, HOMB, and FBMS.
• CFFI's SEC filings can be seen here. And to visit C & F FINANCIAL CORP's official web site, go to www.cffc.com.

CFFI Valuation Summary

• In comparison to the median Financial Services stock, CFFI's price/earnings ratio is 32.63% lower, now standing at 6.4.
• CFFI's price/sales ratio has moved down 1.2 over the prior 243 months.

Below are key valuation metrics over time for CFFI.

CFFI Growth Metrics

The year over year net income to common stockholders growth rate now stands at 6.39%.
• Its 3 year price growth rate is now at 7.79%.
• The 4 year net income to common stockholders growth rate now stands at 35.59%.

Over the past 33 months, CFFI's revenue has gone up $11,202,000.

The table below shows CFFI's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	115.153	106.645	24.775
2022-06-30	119.074	101.122	25.969
2022-03-31	126.738	157.45	27.235
2021-12-31	133.957	157.387	28.667
2021-09-30	143.613	176.715	30.743
2021-06-30	144.866	92.042	29.862

CFFI's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CFFI has a Quality Grade of C, ranking ahead of 52.53% of graded US stocks.
• CFFI's asset turnover comes in at 0.068 -- ranking 64th of 437 Banking stocks.
• OMF, CNOB, and VBFC are the stocks whose asset turnover ratios are most correlated with CFFI.

The table below shows CFFI's key quality metrics over time.