C&F Financial Corporation (CFFI) - Net Assets
Based on the latest financial reports, C&F Financial Corporation (CFFI) has net assets worth $253.89 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.71 Billion) and total liabilities ($2.46 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check C&F Financial Corporation (CFFI) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $253.89 Million |
| % of Total Assets | 9.36% |
| Annual Growth Rate | 7.22% |
| 5-Year Change | 16.71% |
| 10-Year Change | 73.18% |
| Growth Volatility | 9.87 |
C&F Financial Corporation - Net Assets Trend (1996–2024)
This chart illustrates how C&F Financial Corporation's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of C&F Financial Corporation for the complete picture of this company's asset base.
Annual Net Assets for C&F Financial Corporation (1996–2024)
The table below shows the annual net assets of C&F Financial Corporation from 1996 to 2024. For live valuation and market cap data, see C&F Financial Corporation (CFFI) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $226.97 Million | +4.35% |
| 2023-12-31 | $217.52 Million | +10.85% |
| 2022-12-31 | $196.23 Million | -7.01% |
| 2021-12-31 | $211.02 Million | +8.51% |
| 2020-12-31 | $194.47 Million | +17.67% |
| 2019-12-31 | $165.27 Million | +8.76% |
| 2018-12-31 | $151.96 Million | +7.24% |
| 2017-12-31 | $141.70 Million | +1.79% |
| 2016-12-31 | $139.21 Million | +6.22% |
| 2015-12-31 | $131.06 Million | +6.03% |
| 2014-12-31 | $123.61 Million | +9.45% |
| 2013-12-31 | $112.94 Million | +10.51% |
| 2012-12-31 | $102.20 Million | +6.36% |
| 2011-12-31 | $96.09 Million | +3.57% |
| 2010-12-31 | $92.78 Million | +4.39% |
| 2009-12-31 | $88.88 Million | +37.03% |
| 2008-12-31 | $64.86 Million | -0.56% |
| 2007-12-31 | $65.22 Million | -4.09% |
| 2006-12-31 | $68.01 Million | +13.18% |
| 2005-12-31 | $60.09 Million | -14.04% |
| 2004-12-31 | $69.90 Million | +6.91% |
| 2003-12-31 | $65.38 Million | +16.27% |
| 2002-12-31 | $56.23 Million | +25.68% |
| 2001-12-31 | $44.74 Million | +15.38% |
| 2000-12-31 | $38.78 Million | +10.49% |
| 1999-12-31 | $35.10 Million | -4.10% |
| 1998-12-31 | $36.60 Million | +15.09% |
| 1997-12-31 | $31.80 Million | -1.29% |
| 1996-12-31 | $32.21 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to C&F Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 731.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $247.81 Million | 109.48% |
| Common Stock | $3.11 Million | 1.38% |
| Other Comprehensive Income | $-24.60 Million | -10.87% |
| Other Components | $36.00K | 0.02% |
| Total Equity | $226.36 Million | 100.00% |
C&F Financial Corporation Competitors by Market Cap
The table below lists competitors of C&F Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Batulicin Nusantara Maritim Tbk PT
JK:BESS
|
$227.80 Million |
|
Boilermech Holdings Bhd
KLSE:0168
|
$227.94 Million |
|
Alvopetro Energy
V:ALV
|
$227.98 Million |
|
Capacit'e Infraprojects Limited
NSE:CAPACITE
|
$228.10 Million |
|
Taskus Inc
NASDAQ:TASK
|
$227.74 Million |
|
Oryzon Genomics SA
MC:ORY
|
$227.73 Million |
|
FG Imperii Acquisition Corp. Class A Ordinary Shares
NASDAQ:FGII
|
$227.72 Million |
|
Nuvectis Pharma Inc
NASDAQ:NVCT
|
$227.72 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in C&F Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 216,878,000 to 226,360,000, a change of 9,482,000 (4.4%).
- Net income of 19,834,000 contributed positively to equity growth.
- Dividend payments of 5,780,000 reduced retained earnings.
- Share repurchases of 8,761,000 reduced equity.
- Other comprehensive income increased equity by 2,083,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $19.83 Million | +8.76% |
| Dividends Paid | $5.78 Million | -2.55% |
| Share Repurchases | $8.76 Million | -3.87% |
| Other Comprehensive Income | $2.08 Million | +0.92% |
| Other Changes | $2.11 Million | +0.93% |
| Total Change | $- | 4.37% |
Book Value vs Market Value Analysis
This analysis compares C&F Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.07x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 10.09x to 1.07x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $7.30 | $73.65 | x |
| 1997-12-31 | $7.20 | $73.65 | x |
| 1998-12-31 | $9.36 | $73.65 | x |
| 1999-12-31 | $9.34 | $73.65 | x |
| 2000-12-31 | $10.63 | $73.65 | x |
| 2001-12-31 | $12.49 | $73.65 | x |
| 2002-12-31 | $15.38 | $73.65 | x |
| 2003-12-31 | $17.31 | $73.65 | x |
| 2004-12-31 | $18.74 | $73.65 | x |
| 2005-12-31 | $17.13 | $73.65 | x |
| 2006-12-31 | $20.78 | $73.65 | x |
| 2007-12-31 | $20.63 | $73.65 | x |
| 2008-12-31 | $21.21 | $73.65 | x |
| 2009-12-31 | $29.15 | $73.65 | x |
| 2010-12-31 | $29.89 | $73.65 | x |
| 2011-12-31 | $30.29 | $73.65 | x |
| 2012-12-31 | $30.91 | $73.65 | x |
| 2013-12-31 | $32.79 | $73.65 | x |
| 2014-12-31 | $35.97 | $73.65 | x |
| 2015-12-31 | $38.52 | $73.65 | x |
| 2016-12-31 | $40.28 | $73.65 | x |
| 2017-12-31 | $40.64 | $73.65 | x |
| 2018-12-31 | $43.40 | $73.65 | x |
| 2019-12-31 | $47.75 | $73.65 | x |
| 2020-12-31 | $53.11 | $73.65 | x |
| 2021-12-31 | $58.35 | $73.65 | x |
| 2022-12-31 | $55.63 | $73.65 | x |
| 2023-12-31 | $63.56 | $73.65 | x |
| 2024-12-31 | $68.59 | $73.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently C&F Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.76%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.91%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.32x
- Recent ROE (8.76%) is below the historical average (13.14%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 12.61% | 32.81% | 0.05x | 7.97x | $839.72K |
| 1997 | 15.41% | 18.49% | 0.10x | 8.75x | $1.72 Million |
| 1998 | 16.67% | 18.21% | 0.10x | 8.77x | $2.44 Million |
| 1999 | 19.37% | 19.60% | 0.11x | 9.38x | $3.29 Million |
| 2000 | 15.05% | 16.50% | 0.10x | 8.96x | $1.96 Million |
| 2001 | 17.85% | 17.50% | 0.11x | 9.03x | $3.51 Million |
| 2002 | 17.36% | 18.75% | 0.09x | 9.81x | $4.14 Million |
| 2003 | 19.76% | 19.00% | 0.12x | 8.77x | $6.38 Million |
| 2004 | 16.02% | 17.09% | 0.11x | 8.71x | $4.21 Million |
| 2005 | 19.62% | 15.44% | 0.11x | 11.18x | $5.78 Million |
| 2006 | 17.84% | 14.11% | 0.12x | 10.80x | $5.33 Million |
| 2007 | 13.00% | 9.35% | 0.12x | 12.04x | $1.96 Million |
| 2008 | 6.45% | 4.60% | 0.11x | 13.19x | $-2.30 Million |
| 2009 | 6.22% | 5.44% | 0.11x | 10.00x | $-3.36 Million |
| 2010 | 8.74% | 8.15% | 0.11x | 9.75x | $-1.17 Million |
| 2011 | 13.50% | 14.27% | 0.10x | 9.66x | $3.37 Million |
| 2012 | 16.03% | 16.79% | 0.10x | 9.56x | $6.16 Million |
| 2013 | 12.75% | 14.14% | 0.08x | 11.62x | $3.11 Million |
| 2014 | 9.99% | 11.66% | 0.08x | 10.83x | $-17.00K |
| 2015 | 9.56% | 11.63% | 0.08x | 10.72x | $-575.90K |
| 2016 | 9.67% | 11.65% | 0.08x | 10.43x | $-462.40K |
| 2017 | 4.64% | 5.63% | 0.08x | 10.65x | $-7.60 Million |
| 2018 | 11.86% | 15.34% | 0.08x | 10.01x | $2.82 Million |
| 2019 | 11.44% | 15.11% | 0.08x | 10.06x | $2.38 Million |
| 2020 | 11.41% | 14.92% | 0.07x | 10.76x | $2.74 Million |
| 2021 | 13.63% | 20.48% | 0.06x | 10.77x | $7.64 Million |
| 2022 | 14.90% | 23.62% | 0.05x | 11.92x | $9.60 Million |
| 2023 | 10.88% | 15.76% | 0.06x | 11.24x | $1.92 Million |
| 2024 | 8.76% | 11.91% | 0.06x | 11.32x | $-2.80 Million |
Industry Comparison
This section compares C&F Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $260,431,200
- Average return on equity (ROE) among peers: 10.53%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| C&F Financial Corporation (CFFI) | $253.89 Million | 12.61% | 9.68x | $227.74 Million |
| Ameris Bancorp (ABCB) | $63.00 Million | 11.43% | 9.69x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $707.65 Million | 15.04% | 10.67x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $949.39 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $598.55 Million |
| Associated Banc-Corp (ASB) | $138.60 Million | 13.85% | 12.49x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $115.24 Million | 4.87% | 11.62x | $62.60 Million |
About C&F Financial Corporation
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, devel… Read more