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 86.85% of US stocks.
• The strongest trend for CFFI is in Growth, which has been heading down over the past 177 days.
• CFFI ranks lowest in Growth; there it ranks in the 29th percentile.

CFFI Stock Summary

• CFFI's current price/earnings ratio is 6.86, which is higher than only 10.98% of US stocks with positive earnings.
• CFFI's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.26% of US stocks.
• The volatility of C & F FINANCIAL CORP's share price is greater than that of only 3.69% US stocks with at least 200 days of trading history.
• Stocks that are quantitatively similar to CFFI, based on their financial statements, market capitalization, and price volatility, are CBAN, WABC, AMAL, FIBK, and FULT.
• 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

• CFFI's EV/EBIT ratio is 7.5; this is 33.04% lower than that of the median Financial Services stock.
• 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.