C&F Financial Corporation

DB:CFF Stock Report

Market Cap: €221.9m

C&F Financial Past Earnings Performance

Past criteria checks 2/6

C&F Financial has been growing earnings at an average annual rate of 3.7%, while the Banks industry saw earnings growing at 18.1% annually. Revenues have been growing at an average rate of 1.2% per year. C&F Financial's return on equity is 8.3%, and it has net margins of 16.4%.

Key information

3.7%

Earnings growth rate

4.7%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate1.2%
Return on equity8.3%
Net Margin16.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How C&F Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:CFF Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2411519820
30 Jun 2411419800
31 Mar 2411621800
31 Dec 2311924800
30 Sep 2312529900
30 Jun 2312630860
31 Mar 2312330780
31 Dec 2212029730
30 Sep 2211625580
30 Jun 2212026600
31 Mar 2212727650
31 Dec 2113529840
30 Sep 2114231730
30 Jun 2114430740
31 Mar 2113726730
31 Dec 2012722680
30 Sep 2011418630
30 Jun 2010617580
31 Mar 2010519560
31 Dec 1910319570
30 Sep 1910118540
30 Jun 199919540
31 Mar 199718530
31 Dec 189718510
30 Sep 189611530
30 Jun 18939530
31 Mar 18928530
31 Dec 17917530
30 Sep 179013530
30 Jun 179013540
31 Mar 178914530
31 Dec 168813510
30 Sep 168613520
30 Jun 168513500
31 Mar 168312490
31 Dec 158413490
30 Sep 158313490
30 Jun 158212480
31 Mar 158112480
31 Dec 148112460
30 Sep 148213450
30 Jun 148113430
31 Mar 148013420

Quality Earnings: CFF has high quality earnings.

Growing Profit Margin: CFF's current net profit margins (16.4%) are lower than last year (23.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CFF's earnings have grown by 3.7% per year over the past 5 years.

Accelerating Growth: CFF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CFF had negative earnings growth (-34.6%) over the past year, making it difficult to compare to the Banks industry average (12.6%).

Return on Equity

High ROE: CFF's Return on Equity (8.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 16:45
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

C&F Financial Corporation is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Allan BachDavenport & Company