Company Information

  

Address: EIGHTH & MAIN STREETS
P O BOX 391 
City: WEST POINT 
State: VA 
Zip Code: 23181 
Telephone: 804-843-2360 

Description of Business

Primary SIC Code: 6022
(As filed with the SEC)  

C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927. C&F Bank has the following five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia: · C&F Mortgage Corporation and its wholly-owned subsidiary Certified Appraisals LLC · C&F Finance Company and its wholly-owned subsidiary C&F Remarketing LLC · C&F Wealth Management Corporation · C&F Insurance Services, Inc. · CVB Title Services, Inc.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
09/20173.730.33014.75
06/20173.790.33012.37
03/20173.960.33011.69
12/20163.890.33012.81
09/20163.660.32011.77
06/20163.780.32011.84
03/20163.610.32010.58
12/20153.680.32010.60

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2016 Leverage 2016
Net Inc/Comm Equity0.90Total Liab/Total Assets0.90
Net Inc/Total Assets0.01Total Liab/Inv Cap0.93
Net Inc/Inv Cap0.01Total Liab/Comm Equity87.31
Pretax Inc/Net Sales0.16Interest Coverage Ratio4.92
Net Inc/Net Sales0.12Curr Debt/Equity0.27
Cash Flow/Net Sales0.24LTD/EquityNA
SG&A/NetSales0.61Total Debt/Equity0.27
Asset Utilization   Liquidity  
Net Receivables Turnover16.33Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E3.20  

Income Statement (Millions)

  9/30/2017 6/30/2017 3/31/2017 12/31/2016
Total Revenues(Net Sales) 29.43 29.71 28.17 28.51
Cost of Goods Sold 1.20 1.16 1.14 1.14
Selling & Admin Exps 18.26 18.28 17.85 17.47
Operating Income NA NA NA NA
Interest Exp 1.29 1.19 1.14 1.12
Pretax Income 4.25 5.99 3.65 3.87
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 3.02 4.14 2.73 3.08

Balance Sheet (Millions)

Assets 9/30/2017 6/30/2017 3/31/2017 12/31/2016
Cash & Short Term Investments 322.91 335.38 337.06 316.63
Receivables - Total 7.11 6.89 6.77 7.26
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 36.31 35.83 36.07 36.00
Total Assets 1,484.65 1,464.08 1,464.46 1,451.99
Liabilities        
Accounts Payable 0.81 0.73 0.71 0.70
Debt in Current Liabilities 43.86 38.44 38.74 37.54
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 1,337.64 1,319.17 1,323.08 1,312.78
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock NA NA NA NA
Common Stock 3.35 3.35 3.35 3.33
Retained Earnings 131.60 129.73 126.74 125.16
Treasury Stock NA NA NA NA
Total Stockholders' Equity 147.01 144.91 141.39 139.21
Total Liabilities and Stockholders' Equity 1,484.65 1,464.08 1,464.46 1,451.99

Cash Flow Summary (Millions)

Categories 9/30/2017 6/30/2017 3/31/2017 12/31/2016
Net Cash Provided by Operating Activities 9.51 0.39 16.52 25.04
Net Cash Provided by Investing Activities -31.66 3.72 -11.77 -37.73
Net Cash Provided by Financing Activities 13.72 -5.76 12.59 26.90

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/201297.5916.384.86
12/2013101.8814.444.18
12/2014105.9012.343.59
12/2015107.7612.533.68
12/2016115.0713.463.89
Growth Rates4.21-4.79-5.41

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional09/30/17621,07530.85




Report Date : 12/11/2017

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