Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.98 | 8.77 | 8.77 | 7.67 | 6.51 | 10.15 | 9.53 | 8.84 | 8.03 | 12.13 | 11.37 | 7.84 | 7.30 | 6.95 | 4.90 | 7.23 | 6.02 | 7.94 | 7.66 | 6.15 | 5.82 |
| — | -13.6% | -8.0% | -13.2% | -18.9% | -16.3% | -16.2% | +12.8% | +10.1% | +74.5% | +131.7% | +8.4% | +21.3% | -12.5% | -36.0% | +17.6% | +3.4% | +37.8% | +80.9% | +54.0% | -27.9% | |
| P/S Ratio | 1.45 | 1.24 | 1.23 | 1.17 | 1.07 | 1.28 | 1.35 | 1.08 | 0.98 | 1.05 | 1.42 | 1.23 | 1.20 | 1.22 | 1.45 | 1.47 | 1.38 | 1.58 | 1.41 | 1.36 | 1.30 |
| — | -2.8% | -9.0% | +7.7% | +9.2% | +21.9% | -4.7% | -12.2% | -18.8% | -14.4% | -1.9% | -15.9% | -12.7% | -22.6% | +2.9% | +8.0% | +6.0% | +41.0% | +71.9% | +99.9% | +48.5% | |
| P/B Ratio | 1.02 | 0.89 | 0.90 | 0.86 | 0.83 | 0.93 | 1.01 | 0.83 | 0.74 | 0.76 | 1.06 | 0.91 | 0.91 | 0.88 | 1.03 | 1.01 | 0.83 | 0.89 | 0.86 | 0.92 | 0.92 |
| — | -3.9% | -11.6% | +2.8% | +12.8% | +21.7% | -4.1% | -8.1% | -19.0% | -13.7% | +2.3% | -10.4% | +9.7% | -1.0% | +20.2% | +10.2% | -10.4% | +8.7% | +23.1% | +60.3% | +39.5% | |
| P/FCF | 12.14 | — | 52.04 | 2.40 | — | 18.51 | 1.64 | — | 34.85 | 100.72 | 3.47 | 2.04 | — | — | 2.47 | 2.52 | 5.07 | 1.12 | 1.22 | 3.58 | 0.74 |
| — | — | +3074.6% | — | — | -81.6% | -52.8% | — | — | — | +40.6% | -18.8% | — | — | +102.9% | -29.7% | +588.4% | +7.4% | +95.2% | — | — | |
| EV / EBITDA | 8.29 | 7.20 | 7.43 | 6.00 | 6.26 | 8.70 | 8.70 | 9.30 | 8.18 | 11.72 | 9.22 | 8.02 | 8.45 | 8.28 | 4.85 | 4.88 | 2.98 | -0.05 | 0.11 | 1.78 | 2.05 |
| — | -17.2% | -14.6% | -35.5% | -23.5% | -25.8% | -5.7% | +16.0% | -3.2% | +41.6% | +90.1% | +64.3% | +183.9% | +17986.5% | +4510.6% | +174.9% | +45.0% | -102.1% | -96.0% | -69.2% | -64.8% | |
| EV / EBIT | 9.17 | 7.87 | 8.32 | 6.65 | 6.90 | 10.02 | 9.92 | 10.62 | 9.44 | 14.47 | 10.65 | 9.10 | 9.49 | 9.31 | 5.25 | 5.52 | 3.35 | -0.05 | 0.12 | 1.99 | 2.29 |
| — | -21.4% | -16.1% | -37.3% | -26.9% | -30.8% | -6.9% | +16.7% | -0.5% | +55.5% | +102.9% | +64.7% | +183.3% | +17510.5% | +4260.4% | +178.2% | +46.5% | -102.1% | -95.9% | -69.2% | -67.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.5% | 68.5% | 67.8% | 68.9% | 72.2% | 67.2% | 65.0% | 65.5% | 68.4% | 66.9% | 72.9% | 74.8% | 78.8% | 82.5% | 88.0% | 90.2% | 92.2% | 95.0% | 92.9% | 93.0% | 95.7% |
| — | +1.8% | +4.2% | +5.2% | +5.7% | +0.5% | -10.8% | -12.5% | -13.3% | -18.9% | -17.1% | -17.0% | -14.5% | -13.1% | -5.2% | -3.1% | -3.6% | +2.5% | +4.0% | +10.4% | +19.6% | |
| Operating Margin | 17.8% | 17.5% | 17.0% | 18.9% | 20.6% | 15.3% | 17.0% | 15.2% | 15.1% | 10.2% | 15.3% | 19.3% | 20.7% | 21.7% | 36.5% | 25.7% | 29.4% | 25.9% | 25.0% | 29.0% | 29.4% |
| — | +14.4% | -0.4% | +24.5% | +36.0% | +50.6% | +11.1% | -21.2% | -27.0% | -53.3% | -58.0% | -24.9% | -29.6% | -15.9% | +45.9% | -11.4% | +0.1% | -0.8% | -3.8% | +26.2% | +116.9% | |
| Net Margin | 14.4% | 14.1% | 14.1% | 15.2% | 16.4% | 12.6% | 14.2% | 12.3% | 12.1% | 8.6% | 12.5% | 15.7% | 16.5% | 17.6% | 29.5% | 20.3% | 22.9% | 19.9% | 18.4% | 22.1% | 22.4% |
| — | +12.4% | -1.2% | +23.5% | +35.2% | +45.8% | +13.3% | -21.9% | -26.4% | -51.0% | -57.5% | -22.4% | -27.9% | -11.4% | +60.2% | -8.5% | +2.4% | +2.1% | -4.7% | +29.8% | +106.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 2.6% | 2.6% | 2.9% | 3.2% | 2.3% | 2.7% | 2.4% | 2.3% | 1.6% | 2.4% | 2.9% | 3.1% | 3.2% | 5.4% | 3.4% | 3.4% | 2.7% | 2.8% | 3.8% | 4.0% |
| — | +9.9% | -2.2% | +18.6% | +40.7% | +48.4% | +9.4% | -16.1% | -26.1% | -51.5% | -55.1% | -15.4% | -8.3% | +18.1% | +89.7% | -10.0% | -15.2% | -24.0% | -31.8% | +3.3% | +93.5% | |
| ROA | 1.0% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.4% |
| — | +16.5% | +3.6% | +22.6% | +43.9% | +49.6% | +13.2% | -10.7% | -22.2% | -48.6% | -52.7% | -13.7% | -10.8% | +9.5% | +66.7% | -20.9% | -21.3% | -25.7% | -31.0% | +4.9% | +90.3% | |
| ROIC | 6.8% | 1.7% | 1.6% | 1.8% | 1.9% | 1.4% | 1.5% | 1.4% | 1.4% | 0.9% | 1.4% | 1.5% | 1.5% | 1.7% | 3.4% | 2.2% | 2.2% | 1.9% | 2.0% | 2.6% | 2.8% |
| — | +20.9% | +8.4% | +24.2% | +40.9% | +54.1% | +9.4% | -3.8% | -9.0% | -47.6% | -59.2% | -32.4% | -32.5% | -7.4% | +67.6% | -16.6% | -20.3% | -28.0% | -23.5% | +17.0% | +146.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.39 | 0.43 | 0.45 | 0.61 | 0.51 | 0.54 | 0.62 | 0.54 | 0.56 | 0.50 | 0.73 | 0.87 | 0.99 | 0.47 | 0.50 | 0.47 | 0.44 | 0.43 | 0.45 | 0.39 |
| — | -23.6% | -20.0% | -28.5% | +11.9% | -9.4% | +7.3% | -14.9% | -37.5% | -43.4% | +7.3% | +46.0% | +83.9% | +126.0% | +9.5% | +11.1% | +19.8% | +9.1% | +9.4% | -44.2% | -21.0% | |
| Debt / EBITDA | 3.10 | 11.32 | 12.50 | 11.58 | 13.76 | 15.90 | 14.86 | 18.69 | 16.53 | 24.63 | 15.31 | 18.25 | 19.75 | 22.49 | 6.67 | 10.02 | 9.49 | 10.42 | 9.82 | 8.25 | 6.77 |
| — | -28.8% | -15.9% | -38.1% | -16.8% | -35.4% | -2.9% | +2.4% | -16.3% | +9.5% | +129.5% | +82.2% | +108.1% | +115.9% | -32.1% | +21.4% | +40.1% | +39.0% | +53.7% | -44.9% | -57.9% | |
| Current Ratio | 0.18 | 1.35 | 0.18 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 | 0.27 | 0.29 | 0.32 | 0.35 | 0.33 | 0.30 | 0.29 |
| — | +836.8% | +172.7% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | -19.1% | -2.5% | +10.4% | +34.5% | +54.5% | +70.7% | +43.1% | |
| Quick Ratio | 0.18 | 1.35 | 0.18 | 0.14 | 0.17 | 0.14 | 0.06 | 0.21 | 0.22 | 0.23 | 0.26 | 0.25 | 0.26 | 0.28 | 0.27 | 0.29 | 0.32 | 0.35 | 0.33 | 0.30 | 0.29 |
| — | +836.8% | +172.7% | -33.0% | -22.4% | -38.3% | -74.9% | -15.9% | -18.2% | -17.3% | -4.1% | -13.7% | -17.1% | -18.0% | -19.1% | -2.5% | +10.4% | +34.5% | +54.5% | +70.7% | +43.1% | |
| Interest Coverage | 0.73 | 0.73 | 0.69 | 0.76 | 0.88 | 0.59 | 0.64 | 0.58 | 0.59 | 0.42 | 0.73 | 0.98 | 1.24 | 1.83 | 5.25 | 4.22 | 4.92 | 4.17 | 4.39 | 5.06 | 4.92 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CFFI stock.
C&F Financial Corporation's current P/E is 10.0x. The average P/E over the last 4 quarters is 7.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
C&F Financial Corporation's current operating margin is 17.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking C&F Financial Corporation's business trajectory between earnings reports.