C&F Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from C&F Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
−$11Sales grew 19% in 3 years, but profit fell: $11 less profit per $100 of extra sales.
Lower than 82% of Financial Services companies in United States.
Asset Productivity Ratio
+19% / +19%In 3 years sales changed by +19% while total assets changed by +19%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 70% of Financial Services companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 64% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
C&F Financial Corporation owes $0.90 for every $1 it owns. Net profit rose 35% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.1Investors pay $12.1 for every $1 of C&F Financial Corporation's yearly profit, lower than 56% of Financial Services companies in United States.
P/B ratio
1.27The share price is 1.27 times C&F Financial Corporation's book value per share, lower than 52% of Financial Services companies in United States.
Market cap
$352 MThe total market value of all of C&F Financial Corporation's shares at today's price (share price × number of shares), smaller than 68% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$278 MWhat C&F Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$85.43Net worth divided by the number of shares. The share price of $108.23 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
11.3%C&F Financial Corporation earned 11.3% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
Owes vs Owns
0.90×C&F Financial Corporation owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.82%C&F Financial Corporation pays 1.82% of its share price as dividends a year, lower than 75% of dividend-paying Financial Services companies in United States.
Revenue growth
+11%Revenue rose 11% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+35%Net profit rose 35% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Profit margin
19.6%C&F Financial Corporation keeps $20 of every $100 of revenue as net profit.
Questions
What is C&F Financial Corporation's P/E ratio?
Investors pay $12.1 for every $1 of C&F Financial Corporation's yearly profit, lower than 56% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For C&F Financial Corporation: $352 M ÷ $278 M (30 Jun 2026) = 1.3.
What is C&F Financial Corporation's return on equity?
C&F Financial Corporation earned 11.3% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
How much does C&F Financial Corporation owe compared with what it owns?
C&F Financial Corporation owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does C&F Financial Corporation pay a dividend?
Yes. C&F Financial Corporation pays 1.82% of its share price as dividends a year, lower than 75% of dividend-paying Financial Services companies in United States.
Is C&F Financial Corporation's revenue growing?
Revenue rose 11% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.