Quarter
Charts

C & F FINANCIAL CORPORATION

CFFI

CIK 0000913341 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$36M
↑+12.0% +$4Mvs FY2024 (Q4)
Operating Income
$35M
↑+12.5% +$4Mvs FY2024 (Q4)
Net Income
$7M
↑+11.0% +$664Kvs FY2024 (Q4)
Gross Profit
$36M
↑+12.0% +$4Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
16/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    41D/E 1.18 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.05x (1.0+ = capital-efficient)
  • Growth
    57Revenue YoY +12.0% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project CFFI's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was -36.6%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$95.56
Total enterprise IV
$309M
Diluted shares
0.00B
Terminal PV
$218M (70% of total)
Year-5 FCF
$26M
YearProjected FCFDiscounted PV
+1$23M$21M
+2$24M$19M
+3$24M$18M
+4$25M$17M
+5$26M$16M
Terminal$351M$218M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$2M
investment in PP&E
Dividends paid (TTM)
$6M
cash returned to holders
Stock buybacks (TTM)
$943K
share count reduction
Stock-based comp (TTM)
$2M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$2.77B
everything owned
Total liabilities
$2.51B
everything owed
Stockholders' equity
$262M
shareholder claim
Net debt
$-12M
Net cash position ($12M)

Recent performance · 63 quarters

Revenue↑+12.0% +$4M
$36M
Net Income↑+11.0% +$664K
$7M
Free Cash Flow↓-95.6% -$32M
$1M

Drill down

CFFI Sankey

See C & F FINANCIAL CORPORATION's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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CFFI Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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CFFI Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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