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CFFI - C&F Financial Corporation

NASDAQ -> Financial Services -> Banks—Regional
Toano, United States
Type: Equity

CFFI price evolution
CFFI
(in millions $) 31 Jan 2024 30 Sep 2023 30 Jul 2023 31 Mar 2023
Current assets
Cash $75.16 $70.51 $58.91 $84.22
Short term investments
Net receivables
Inventory
Total current assets
Long term investments
Property, plant & equipment $41.91 $42.35 $42.77 $43.51
Goodwill & intangible assets $26.6 $26.67 $26.73 $26.8
Total noncurrent assets
Total investments $2182.03 $2168.4 $2178.84 $2178.15
Total assets $2438.5 $2421.7 $2419.45 $2440.33
Current liabilities
Accounts payable $3.49 $3.2 $2.4 $1.61
Deferred revenue
Short long term debt
Total current liabilities $61.72 $98.9 $126.59 $147.19
Long term debt $51.32 $51.4 $51.4 $55.44
Total noncurrent liabilities
Total debt $109.54 $147.05 $175.58 $201.02
Total liabilities $2220.98 $2221.32 $2216.93 $2237.15
Shareholders' equity
Retained earnings $233.76 $230.17 $225.87 $221.06
Other shareholder equity -$26.69 -$41.07 -$35.41 -$31.92
Total shareholder equity $216.88 $199.76 $201.9 $202.58
(in millions $) 31 Jan 2024 31 Jan 2023 31 Dec 2021 31 Dec 2020
Current assets
Cash $75.16 $26.66 $267.75 $86.67
Short term investments
Net receivables
Inventory
Total current assets
Long term investments
Property, plant & equipment $41.91 $52.3 $44.8 $44.13
Goodwill & intangible assets $26.6 $26.87 $27.17 $27.48
Total noncurrent assets
Total investments $2182.03 $2123.17 $1826.3 $1815.54
Total assets $2438.5 $2332.32 $2264.52 $2086.31
Current liabilities
Accounts payable $3.49 $0.95 $0.7 $1.1
Deferred revenue
Short long term debt
Total current liabilities $64.59 $3.92 $4 $3.6
Long term debt $51.32 $55.49 $55.7 $55.71
Total noncurrent liabilities
Total debt $109.54 $92.08 $90.46 $76.17
Total liabilities $2220.98 $2136.68 $2053.5 $1891.84
Shareholders' equity
Retained earnings $233.76 $217.21 $193.81 $170.82
Other shareholder equity -$26.69 -$1.77 -$2.09 -$1.96
Total shareholder equity $216.88 $195.63 $210.32 $193.81
(in millions $) 31 Jan 2024 30 Sep 2023 30 Jul 2023 31 Mar 2023
Revenue
Total revenue $31.75 $28.43 $32.11 $30.35
Cost of revenue
Gross Profit $28.43 $30.35
Operating activities
Research & development
Selling, general & administrative $14.87 $15.94
Total operating expenses $21.33 $22.4
Operating income $7.1 $7.95
Income from continuing operations
EBIT $7.11 $7.89
Income tax expense $1.11 $1.32 $1.53 $1.45
Interest expense
Net income
Net income $5.07 $5.79 $6.31 $6.44
Income (for common shares) $5.79 $6.44
(in millions $) 31 Jan 2024 31 Dec 2022 31 Dec 2021 31 Dec 2020
Revenue
Total revenue $127.32 $118.77 $133.96 $127.87
Cost of revenue
Gross Profit $118.77 $133.96 $127.87
Operating activities
Research & development
Selling, general & administrative $56.43 $67.44 $66.31
Total operating expenses $81.81 $95.88 $96.45
Operating income $36.96 $38.08 $31.42
Income from continuing operations
EBIT $36.75 $37.63 $28.91
Income tax expense $5.42 $7.59 $8.96 $6.79
Interest expense $13.38
Net income
Net income $23.6 $29.16 $28.67 $22.12
Income (for common shares) $29.16 $28.67 $22.12
(in millions $) 31 Dec 2023 30 Sep 2023 30 Jun 2023 31 Mar 2023
Net income $5.07 $5.79 $6.31 $6.44
Operating activities
Depreciation $0.96 $0.96 $0.97 $0.99
Business acquisitions & disposals
Stock-based compensation $0.49 $0.58 $0.45 $0.47
Total cash flows from operations $16.97 $22.64 -$0.97 $0.17
Investing activities
Capital expenditures -$0.44 -$0.41 -$0.12 -$0.49
Investments -$11.08 -$10.56 $2.89 -$34.29
Total cash flows from investing -$9.68 -$10.61 $3.44 -$39.49
Financing activities
Dividends paid -$1.48 -$1.49 -$1.5 -$1.52
Sale and purchase of stock -$1.4 -$1.4 -$2.51 -$2.46
Net borrowings -$37.44 -$28.52 -$25.4 $108.99
Total cash flows from financing -$2.65 -$0.43 -$27.79 $96.89
Effect of exchange rate
Change in cash and equivalents $4.65 $11.61 -$25.32 $57.56
(in millions $) 31 Dec 2023 31 Dec 2022 31 Dec 2021 31 Dec 2020
Net income $23.6 $29.16 $28.67 $22.12
Operating activities
Depreciation $3.88 $4.36 $4.74 $4.19
Business acquisitions & disposals $27.11
Stock-based compensation $1.99 $1.97 $1.7 $1.45
Total cash flows from operations $38.81 $90.56 $157.39 -$80.37
Investing activities
Capital expenditures -$1.46 -$1.43 -$4.79 -$10.23
Investments -$53.05 -$413.14 -$141.23 -$194.99
Total cash flows from investing -$56.34 -$411.28 -$138.69 -$183.29
Financing activities
Dividends paid -$5.99 -$5.76 -$5.67 -$5.55
Sale and purchase of stock -$7.76 -$5.37 -$8.23 -$1.06
Net borrowings $17.63 $1.86 $14.28 -$97.71
Total cash flows from financing $66.03 $79.64 $162.38 $184.9
Effect of exchange rate
Change in cash and equivalents $48.5 -$241.08 $181.08 -$78.76
Fundamentals
Market cap $163.64M
Enterprise value $198.02M
Shares outstanding 3.37M
Revenue $122.64M
EBITDA N/A
EBIT N/A
Net Income $23.60M
Revenue Q/Q -7.09%
Revenue Y/Y N/A
P/E ratio 6.93
EV/Sales 1.61
EV/EBITDA N/A
EV/EBIT N/A
P/S ratio 1.33
P/B ratio 0.67
Book/Share 72.19
Cash/Share 22.28
EPS $7.00
ROA 0.97%
ROE 11.50%
Debt/Equity 10.24
Net debt/EBITDA N/A
Current ratio N/A
Quick ratio N/A