C&F Financial Corporation cash flow to debt ratio of 21.61% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

C&F Financial Corporation's free cash flow has decreased 36.69% from $35.00M last year to $22.16M, signaling decreasing performance

C&F Financial Corporation's debt to equity ratio is 0.43, which means that the company's assets are healthy financed, signaling financial stability.

C&F Financial Corporation's debt has decreased relative to shareholder equity from 0.54 last year to 0.43 today, signaling strengthened financials

C&F Financial Corporation has a net cash position, so leverage is healthy.

C&F Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

C&F Financial Corporation's profit margin has increased (27.16%) in the last year from 11.91% to 15.15%, signaling increasing performance

C&F Financial Corporation's short-term liabilities of $2.37B exceed its short-term assets of $418.09M, signaling financial risk

C&F Financial Corporation's return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization

C&F Financial Corporation's return on equity of 10.99%, is lower than 15.00%, indicating bad performance

C&F Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

C&F Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

C&F Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

C&F Financial Corporation has a free cash flow yield of 7.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

C&F Financial Corporation's yearly earnings has increased 35.30% since last year from $19.83M to $26.84M, signaling increasing performance

C&F Financial Corporation's yearly revenue has increased 11.78% since last year from $166.51M to $186.13M, signaling increasing performance

ROIC 6.64% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

C&F Financial Corporation's 3-year revenue CAGR of 14.67% is positive, indicating growing revenue over the past 3 years

C&F Financial Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

C&F Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

C&F Financial Corporation has insufficient data to evaluate this check.

C&F Financial Corporation has an earnings yield of 10.50%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

C&F Financial Corporation is overvalued relative to its fair value price of 39.72 based on EBITDA multiple model

C&F Financial Corporation has insufficient data to compute enterprise value.

C&F Financial Corporation is undervalued relative to its fair value price of 162.46 based on Earnings Fair Value model

C&F Financial Corporation has a PEG-ratio over 1 which is considered overvalued

C&F Financial Corporation has a price-to-book ratio of 1.00x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

C&F Financial Corporation has a price-to-sales ratio of 1.44x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue