C&F Financial (CFFI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), C&F Financial had a P/E ratio of 8.76 (down from 11.62), return on equity of 11.0% (up from 9.0%), debt-to-equity of 0.45 (down from 0.57) and return on assets of 1.0% (up from 0.8%). Its dividend yield was 2.54% with a payout ratio of 22.2%.

C&F Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.76	11.62	9.73	6.95	6.32	6.12
P/S Ratio	1.82	2.02	1.93	1.69	1.34	1.06
P/B Ratio	0.90	1.01	1.06	1.03	0.86	0.70
Price/Tangible Book	1.00	1.15	1.21	1.20	0.99	0.81
Price/FCF	10.61	6.92	6.15	2.33	1.19	-
Price/OCF	9.60	6.27	5.92	2.24	1.15	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	11.03%	8.96%	11.48%	14.42%	14.36%	12.47%
Return on Assets (ROA)	1.01%	0.80%	1.00%	1.28%	1.34%	1.20%
Leverage & Solvency Ratios
Debt/Equity	0.45	0.57	0.55	0.52	0.46	0.46
Debt/FCF	5.35	3.89	3.17	1.16	0.64	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.42%	8.61%	10.28%	14.39%	15.83%	16.33%
FCF Yield	9.43%	14.44%	16.26%	43.01%	84.24%	-66.89%
Dividend Yield	2.54%	2.47%	2.59%	2.81%	3.09%	4.76%
Payout Ratio	22.18%	29.14%	25.36%	19.74%	19.80%	25.08%
Buyback Yield	1.88%	3.30%	2.99%	2.41%	1.22%	-5.74%
Total Return	4.42%	5.77%	5.57%	5.23%	4.32%	-0.97%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About C&F Financial Financial Ratios

What is C&F Financial's P/E ratio?

C&F Financial's P/E ratio was 8.76 for fiscal 2025 (period ended Dec 31, 2025). It was 11.62 a year earlier.

What is C&F Financial's return on equity?

C&F Financial's return on equity (ROE) was 11.0% for fiscal 2025 (period ended Dec 31, 2025). It was 9.0% a year earlier.

What is C&F Financial's debt-to-equity ratio?

C&F Financial's debt-to-equity ratio was 0.45 for fiscal 2025 (period ended Dec 31, 2025). It was 0.57 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition