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C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum of its revenue from the Community Banking segment.
1994
545
Last FY Revenue $124M
Last FY EBITDA n/a
$368M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
In the most recent fiscal year, C&F Financial achieved revenue of $124M and an EBITDA of n/a.
C&F Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See C&F Financial valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $124M | XXX | XXX | XXX |
| Gross Profit | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | XXX | n/a | XXX | XXX | XXX |
| EBITDA | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | XXX | n/a | XXX | XXX | XXX |
| EBIT | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | XXX | n/a | XXX | XXX | XXX |
| Net Profit | XXX | $19.8M | XXX | XXX | XXX |
| Net Margin | XXX | 16% | XXX | XXX | XXX |
| Net Debt | XXX | $57.0M | XXX | XXX | XXX |
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As of August 15, 2025, C&F Financial's stock price is $69.
C&F Financial has current market cap of $222M, and EV of $368M.
See C&F Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $368M | $222M | XXX | XXX | XXX | XXX | n/a |
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Start Free TrialAs of August 15, 2025, C&F Financial has market cap of $222M and EV of $368M.
C&F Financial's trades at 3.0x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate C&F Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
C&F Financial's P/E ratio is not available.
See valuation multiples for C&F Financial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $222M | XXX | $222M | XXX | XXX | XXX |
| EV (current) | $368M | XXX | $368M | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | 3.0x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | 11.2x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 10.5x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialC&F Financial's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.
C&F Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
C&F Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for C&F Financial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
C&F Financial acquired XXX companies to date.
Last acquisition by C&F Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . C&F Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was C&F Financial founded? | C&F Financial was founded in 1994. |
| Where is C&F Financial headquartered? | C&F Financial is headquartered in United States of America. |
| How many employees does C&F Financial have? | As of today, C&F Financial has 545 employees. |
| Who is the CEO of C&F Financial? | C&F Financial's CEO is Mr. Thomas F. Cherry. |
| Is C&F Financial publicy listed? | Yes, C&F Financial is a public company listed on NAS. |
| What is the stock symbol of C&F Financial? | C&F Financial trades under CFFI ticker. |
| When did C&F Financial go public? | C&F Financial went public in 1998. |
| Who are competitors of C&F Financial? | Similar companies to C&F Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of C&F Financial? | C&F Financial's current market cap is $222M |
| Is C&F Financial profitable? | Yes, C&F Financial is EBITDA-positive (as of the last 12 months). |
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