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 0.39, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

C&F Financial Corporation's debt has decreased relative to shareholder equity from 0.54 last year to 0.39 today, signaling strengthened financials

C&F Financial Corporation has a net debt to EBITDA ratio of 0.93x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

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 (25.45%) in the last year from 11.91% to 14.94%, signaling increasing performance

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

C&F Financial Corporation's return on assets of 1.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

C&F Financial Corporation's return on equity of 11.06%, 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 5.00 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 7.90%, 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 1.01% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. 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 3.00 out of 5 years, indicating consistent revenue performance

C&F Financial Corporation had positive ROE in 5.00 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 10.08%, 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 an EV/EBITDA ratio of 7.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

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 under 1 which is considered undervalued

C&F Financial Corporation has a price-to-book ratio of 1.05x, 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 1.49x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue