C & F Financial Corp - Understand $cffi stock

$CFFI Market Cap: $251.6 Million

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Financial Snapshot

Revenue

$95.26M

TTM

Gross Margin

Net Earnings

$18.87M

TTM

Current Assets

Current Liabilities

$52.61M

Q3 2024

Current Ratio

Total Assets

$2.551B

Q3 2024

Total Liabilities

$2.323B

Q3 2024

Book Value

$228.0M

Q3 2024

Cash

$49.19M

Q3 2024

P/E

13.34

Nov 29, 2024 EST

Free Cash Flow

$16.49M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$127.3M	$121.9M	$134.5M	$138.1M	$111.9M	$118.9M
YoY Change	4.41%	-9.36%	-2.61%	23.45%	-5.9%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018
Revenue	$127.3M	$121.9M	$134.5M	$138.1M	$111.9M	$118.9M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.290M	$4.356M	$4.700M	$4.200M	$3.900M	$3.700M	$3.500M	$3.500M	$2.500M	$2.700M	$2.300M	$2.300M	$2.100M	$1.900M	$2.100M	$2.400M	$2.600M	$2.000M	$1.500M	$1.400M	$1.600M	$1.800M	$1.600M	$1.300M	$1.200M	$1.200M	$1.200M	$1.200M	$700.0K
YoY Change	-24.47%	-7.32%	11.9%	7.69%	5.41%	5.71%	0.0%	40.0%	-7.41%	17.39%	0.0%	9.52%	10.53%	-9.52%	-12.5%	-7.69%	30.0%	33.33%	7.14%	-12.5%	-11.11%	12.5%	23.08%	8.33%	0.0%	0.0%	0.0%	71.43%	40.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018
Interest Expense	$26.43M	$7.890M	$8.359M	$13.38M	$14.56M	$11.03M
YoY Change	234.98%	-5.61%	-37.54%	-8.07%	32.0%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$29.16M	$36.96M	$38.08M	$29.22M	$23.93M	$22.54M	$18.00M	$17.90M	$17.40M	$17.50M	$21.60M	$24.00M	$18.70M	$11.10M	$7.500M	$4.800M	$11.80M	$17.60M	$17.00M	$16.20M	$19.20M	$13.90M	$11.30M	$7.700M	$9.100M	$8.500M	$6.500M	$5.000M	$4.300M
YoY Change	-21.1%	-2.94%	30.33%	22.09%	6.17%	25.23%	0.56%	2.87%	-0.57%	-18.98%	-10.0%	28.34%	68.47%	48.0%	56.25%	-59.32%	-32.95%	3.53%	4.94%	-15.63%	38.13%	23.01%	46.75%	-15.38%	7.06%	30.77%	30.0%	16.28%	-12.24%
Income Tax	$5.418M	$7.595M	$8.959M	$6.795M	$5.082M	$4.521M	$4.800M	$4.500M	$4.900M	$5.100M	$7.100M	$7.600M	$5.700M	$2.900M	$1.900M	$600.0K	$3.300M	$5.400M	$5.200M	$5.000M	$6.300M	$4.100M	$3.300M	$1.800M	$2.400M	$2.400M	$1.600M	$1.000M	$900.0K
% Of Pretax Income	18.58%	20.55%	23.53%	23.26%	21.24%	20.06%	26.67%	25.14%	28.16%	29.14%	32.87%	31.67%	30.48%	26.13%	25.33%	12.5%	27.97%	30.68%	30.59%	30.86%	32.81%	29.5%	29.2%	23.38%	26.37%	28.24%	24.62%	20.0%	20.93%
Net Earnings	$23.60M	$29.16M	$28.67M	$22.12M	$18.86M	$18.02M	$6.600M	$13.50M	$12.50M	$12.30M	$14.40M	$16.40M	$13.00M	$8.100M	$5.500M	$4.200M	$8.500M	$12.10M	$11.80M	$11.20M	$12.90M	$9.800M	$8.000M	$5.800M	$6.800M	$6.100M	$4.900M	$4.100M	$3.400M
YoY Change	-19.05%	1.72%	29.62%	17.28%	4.66%	173.03%	-51.11%	8.0%	1.63%	-14.58%	-12.2%	26.15%	60.49%	47.27%	30.95%	-50.59%	-29.75%	2.54%	5.36%	-13.18%	31.63%	22.5%	37.93%	-14.71%	11.48%	24.49%	19.51%	20.59%	-8.11%
Net Earnings / Revenue	18.54%	23.91%	21.31%	16.01%	16.85%	15.15%
Basic Earnings Per Share	$6.92	$8.29	$7.95	$6.06	$5.47
Diluted Earnings Per Share	$6.92	$8.291M	$7.95	$6.06	$5.47	$5.143M	$1.886M	$3.857M	$3.676M	$3.618M	$4.235M	$4.970M	$4.063M	$2.613M	$1.833M	$1.355M	$2.656M	$3.667M	$3.371M	$3.027M	$3.395M	$2.649M	$2.222M	$1.611M	$1.838M	$1.564M	$1.225M	$931.8K	$755.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$50.00M	$52.30M	$53.90M	$52.70M	$35.30M	$37.10M	$37.00M	$35.80M	$36.50M	$37.30M	$38.20M	$27.10M	$28.50M	$28.70M	$29.50M	$31.10M	$32.90M	$33.20M	$29.10M	$18.30M	$15.40M	$14.10M	$14.60M	$9.900M	$8.400M	$6.500M	$6.600M	$6.000M	$5.900M
YoY Change	-4.4%	-2.97%	2.28%	49.29%	-4.85%	0.27%	3.35%	-1.92%	-2.14%	-2.36%	40.96%	-4.91%	-0.7%	-2.71%	-5.14%	-5.47%	-0.9%	14.09%	59.02%	18.83%	9.22%	-3.42%	47.47%	17.86%	29.23%	-1.52%	10.0%	1.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$18.73M	$22.01M	$13.60M	$13.60M	$11.20M	$12.20M	$12.10M	$21.50M	$20.40M	$20.70M																		$500.0K	$400.0K
YoY Change	-14.91%	61.87%	0.0%	21.43%	-8.2%	0.83%	-43.72%	5.39%	-1.45%																			25.0%
Total Long-Term Assets
YoY Change
Total Assets	$2.438B	$2.332B	$2.265B	$2.086B	$1.657B	$1.521B	$1.509B	$1.452B	$1.405B	$1.338B	$1.312B	$977.0M	$928.1M	$904.1M	$888.4M	$855.7M	$785.6M	$734.5M	$672.0M	$609.1M	$573.5M	$551.9M	$404.1M	$347.5M	$329.2M	$320.9M	$278.1M	$256.7M	$239.0M
YoY Change
Accounts Payable	$3.493M	$950.0K	$700.0K	$1.100M	$1.300M	$900.0K	$800.0K	$700.0K	$700.0K	$700.0K	$800.0K	$800.0K	$1.100M	$1.200M	$1.600M	$1.900M	$2.100M	$1.900M	$1.300M	$600.0K	$600.0K	$700.0K	$800.0K	$1.000M	$600.0K	$600.0K	$600.0K	$500.0K	$600.0K
YoY Change	267.68%	35.71%	-36.36%	-15.38%	44.44%	12.5%	14.29%	0.0%	0.0%	-12.5%	0.0%	-27.27%	-8.33%	-25.0%	-15.79%	-9.52%	10.53%	46.15%	116.67%	0.0%	-14.29%	-12.5%	-20.0%	66.67%	0.0%	0.0%	20.0%	-16.67%
Accrued Expenses	$2.877M	$2.965M	$3.300M	$2.500M
YoY Change	-2.97%	-10.15%	32.0%
Deferred Revenue
YoY Change
Short-Term Debt	$58.22M	$36.59M	$34.70M	$20.50M	$16.40M	$14.90M	$20.60M	$12.40M	$12.10M	$14.40M	$11.80M	$9.100M	$7.500M	$10.60M	$11.10M	$56.00M	$22.00M	$12.50M	$13.50M	$8.400M	$8.100M
YoY Change	59.11%	5.45%	69.27%	25.0%	10.07%	-27.67%	66.13%	2.48%	-15.97%	22.03%	29.67%	21.33%	-29.25%	-4.5%	-80.18%	154.55%	76.0%	-7.41%	60.71%	3.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$64.59M	$3.915M	$4.000M	$3.600M	$1.300M	$900.0K	$800.0K	$700.0K	$700.0K	$700.0K	$800.0K	$800.0K	$1.100M	$1.200M	$1.600M	$1.900M	$2.100M	$1.900M	$1.300M	$600.0K	$600.0K	$700.0K	$800.0K	$1.000M	$600.0K	$600.0K	$600.0K	$500.0K	$600.0K
YoY Change	1549.89%	-2.13%	11.11%	176.92%	44.44%	12.5%	14.29%	0.0%	0.0%	-12.5%	0.0%	-27.27%	-8.33%	-25.0%	-15.79%	-9.52%	10.53%	46.15%	116.67%	0.0%	-14.29%	-12.5%	-20.0%	66.67%	0.0%	0.0%	20.0%	-16.67%
Long-Term Debt	$51.32M	$55.49M	$55.70M	$55.70M	$100.3M	$144.8M	$147.2M	$152.2M	$165.2M	$152.6M	$158.1M	$153.6M	$153.6M	$153.5M	$159.8M	$163.4M	$154.1M	$87.60M	$73.80M	$49.90M	$39.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.100M	$1.200M
YoY Change	-7.53%	-0.37%	0.0%	-44.47%	-30.73%	-1.63%	-3.29%	-7.87%	8.26%	-3.48%	2.93%	0.0%	0.07%	-3.94%	-2.2%	6.04%	75.91%	18.7%	47.9%	26.01%							-100.0%	325.0%
Other Long-Term Liabilities	$38.94M	$36.23M	$44.40M	$59.90M	$38.40M	$27.20M	$27.20M	$27.60M	$22.40M	$20.70M	$20.40M	$25.10M	$23.40M	$20.90M	$20.50M	$18.70M	$14.60M	$16.70M	$12.80M	$13.20M	$12.20M	$17.00M	$7.400M	$3.000M	$2.700M	$7.300M	$4.900M	$2.400M	$1.400M
YoY Change	7.5%	-18.41%	-25.88%	55.99%	41.18%	0.0%	-1.45%	23.21%	8.21%	1.47%	-18.73%	7.26%	11.96%	1.95%	9.63%	28.08%	-12.57%	30.47%	-3.03%	8.2%	-28.24%	129.73%	146.67%	11.11%	-63.01%	48.98%	104.17%	71.43%
Total Long-Term Liabilities	$90.26M	$91.72M	$100.1M	$115.6M	$138.7M	$172.0M	$174.4M	$179.8M	$187.6M	$173.3M	$178.5M	$178.7M	$177.0M	$174.4M	$180.3M	$182.1M	$168.7M	$104.3M	$86.60M	$63.10M	$51.80M	$17.00M	$7.400M	$3.000M	$2.700M	$7.300M	$4.900M	$7.500M	$2.600M
YoY Change	-1.59%	-8.37%	-13.41%	-16.65%	-19.36%	-1.38%	-3.0%	-4.16%	8.25%	-2.91%	-0.11%	0.96%	1.49%	-3.27%	-0.99%	7.94%	61.74%	20.44%	37.24%	21.81%	204.71%	129.73%	146.67%	11.11%	-63.01%	48.98%	-34.67%	188.46%
Total Liabilities	$2.222B	$2.137B	$2.054B	$1.893B	$1.493B	$1.370B	$1.367B	$1.313B	$1.274B	$1.215B	$1.199B	$874.8M	$832.0M	$811.4M	$799.6M	$790.8M	$720.4M	$666.5M	$611.9M	$539.2M	$508.2M	$495.7M	$359.3M	$308.7M	$294.1M	$284.2M	$246.3M	$224.5M	$207.2M
YoY Change	3.98%	4.02%	8.54%	26.79%	8.99%	0.15%	4.16%	3.05%	4.89%	1.27%	37.11%	5.14%	2.54%	1.48%	1.11%	9.77%	8.09%	8.92%	13.48%	6.1%	2.52%	37.96%	16.39%	4.96%	3.48%	15.39%	9.71%	8.35%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	3.412M	3.517M	3.604M	3.649M	3.451M	3.501M	3.487M	3.454M	3.401M	3.404M
Diluted Shares Outstanding	3.412M	3.517M	3.604M	3.649M	3.451M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $251.58 Million

About C & F FINANCIAL CORP

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. The company is headquartered in Toano, Virginia and currently employs 594 full-time employees. The firm owns Citizens and Farmers Bank (C&F Bank), which is an independent commercial bank. The firm's segments include community banking, mortgage banking and consumer finance. Community banking segment provides services through C&F Bank. C&F Bank provides a range of banking services to individuals and businesses. These services include various types of checking and savings deposit accounts, as well as business, real estate, development, home equity and installment loans. C&F Bank operates approximately 31 banking offices and four commercial loan offices. Mortgage banking segment, through C&F Mortgage Corporation, offers a range of residential mortgage loans, which are originated for sale to investors in the secondary mortgage market. Consumer finance segment provides services through C&F Finance Company (C&F Finance). C&F Finance is a regional finance company purchasing automobile, marine and recreational vehicle loans.

Industry: State Commercial Banks Peers: CODORUS VALLEY BANCORP INC REPUBLIC FIRST BANCORP INC GRANDSOUTH BANCORPORATION LCNB CORP Meridian Corp Princeton Bancorp, Inc. PNC FINANCIAL SERVICES GROUP, INC. Virginia National Bankshares Corp