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 · 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
03/20182.220.34023.69
12/20171.880.34030.85
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

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2017 Leverage 2017
Net Inc/Comm Equity0.41Total Liab/Total Assets0.91
Net Inc/Total Assets0.00Total Liab/Inv Cap0.93
Net Inc/Inv Cap0.00Total Liab/Comm Equity84.62
Pretax Inc/Net Sales0.15Interest Coverage Ratio4.70
Net Inc/Net Sales0.06Curr Debt/Equity0.32
Cash Flow/Net Sales0.23LTD/EquityNA
SG&A/NetSales0.62Total Debt/Equity0.32
Asset Utilization   Liquidity  
Net Receivables Turnover15.67Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E3.13  

Income Statement (Millions)

  3/31/2018 12/31/2017 9/30/2017 6/30/2017
Total Revenues(Net Sales) 29.19 29.02 29.43 29.59
Cost of Goods Sold 1.32 1.25 1.20 1.16
Selling & Admin Exps 18.54 17.95 18.26 18.16
Operating Income NA NA NA NA
Interest Exp 1.26 1.24 1.29 1.19
Pretax Income 4.78 4.08 4.25 5.99
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 3.89 -3.32 3.02 4.14

Balance Sheet (Millions)

Assets 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Cash & Short Term Investments 369.95 341.84 322.91 335.38
Receivables - Total 7.19 7.59 7.11 6.89
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 37.04 37.14 36.31 35.83
Total Assets 1,524.93 1,509.06 1,484.65 1,464.08
Liabilities        
Accounts Payable 0.85 0.84 0.81 0.73
Debt in Current Liabilities 44.96 45.83 43.86 38.44
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 1,382.23 1,367.35 1,337.64 1,319.17
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock NA NA NA NA
Common Stock 3.37 3.36 3.35 3.35
Retained Earnings 130.13 127.43 131.60 129.73
Treasury Stock NA NA NA NA
Total Stockholders' Equity 142.70 141.70 147.01 144.91
Total Liabilities and Stockholders' Equity 1,524.93 1,509.06 1,484.65 1,464.08

Cash Flow Summary (Millions)

Categories 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Net Cash Provided by Operating Activities 22.15 0.17 9.51 0.39
Net Cash Provided by Investing Activities -5.93 -20.47 -31.66 3.72
Net Cash Provided by Financing Activities 12.41 29.25 13.72 -5.76

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/2013101.8814.444.18
12/2014105.9012.343.59
12/2015107.7612.533.68
12/2016115.0713.463.89
12/2017116.336.571.88
Growth Rates3.37-17.87-18.11

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional06/30/18611,17433.52




Report Date : 7/16/2018

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