C&F Financial Corporation Financial Ratios — CFFI Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.49	16.21	13.43	10.44	9.84	9.96	4.68	12.27	11.91	12.34	14.19	14.37	11.44	8.95	11
Return on Assets (%)	1.42	1.72	1.26	0.93	0.91	0.94	0.44	1.19	1.19	1.18	1.32	1.27	0.99	0.79	1.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.68	2.6	2.52	2.81	2.53	3.21	3.21	3.45	3.51	3.11	3.6	3.77	3.15	3.12	2.86
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.66	27.47	23.13	17.96	17.55	16.82	16.76	21.18	21.71	21.67	28.93	31.99	23.65	19.51	24.15
Profit Margin (%)	16.41	18.73	15.49	12.68	12.65	12.64	6.13	16.93	17.11	16.4	21.78	25.23	19.14	16.03	19.59
Net Income to Common Margin (%)	14.91	18.37	15.49	12.68	12.65	12.64	6.13	16.93	17.11	16.4	21.78	25.23	19.14	16.03	19.59
Effective Tax Rate (%)	30.65	31.82	33.05	29.41	27.92	24.89	63.42	20.06	21.24	23.26	23.53	20.55	18.58	17.47	18.38
Dvd Payout Ratio (%)	24.04	20.98	26.62	32.81	33.1	33.17	70.56	27.36	27.23	24.4	19.19	19.46	25.06	28.9	21.93
Sustainable Growth Rate (%)	9.49	12.81	9.85	7.01	6.58	6.66	1.38	8.91	8.66	9.33	11.47	11.57	8.58	6.36	8.58

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	161	163	170	167	177	165	168	160	161	76	90	92	110	123	113
ST Debt	8	9	12	14	12	12	21	15	16	20	35	37	58	29	20
LT Debt	154	154	158	153	165	152	147	145	145	56	56	55	51	94	93
Total Debt/EBITDA	75.98	71.69	72.3	60.98	70.59	48.12	48.7	43.5	41.69	18.18	19.08	21.14	28.24	31.79	28.89
Net Debt/EBITDA	71.02	60.41	48.28	-0.22	9.68	17.94	14.05	12.17	-1.1	-2.51	-37.39	15.02	8.86	14.78	8.72
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.35	10.46	8.61	9.24	9.33	9.59	9.39	9.99	9.94	9.29	9.29	8.39	8.89	8.83	9.45
Long-Term Debt/Equity (%)	159.86	150.3	139.94	123.45	126.03	109.33	103.91	95.27	87.62	28.65	26.41	28.28	23.59	41.25	35.58
Long-Term Debt/Capital (%)	59.71	57.98	55.89	52.5	53.57	50.1	47.56	46.45	44.36	20.59	18.48	19.25	15.69	26.78	24.84
Long-Term Debt/Total Assets (%)	16.55	15.72	12.04	11.4	11.76	10.48	9.76	9.52	8.74	2.67	2.46	2.38	2.1	3.65	3.37
Total Debt/Equity (%)	167.71	159.25	150.37	135.12	135.25	118.21	118.46	105.09	97.51	39.17	42.87	46.93	50.36	54.02	43.2
Total Debt/Capital (%)	62.65	61.43	60.06	57.47	57.49	54.17	54.23	51.24	49.37	28.14	30.01	31.94	33.49	35.07	30.17
Total Debt/Total Assets (%)	17.36	16.66	12.94	12.48	12.62	11.33	11.12	10.5	9.72	3.65	3.99	3.95	4.49	4.78	4.09
Net Debt to Equity	156.77	134.18	100.42	-0.48	18.56	44.08	34.18	29.4	-2.58	-5.4	-84.01	33.34	15.81	25.12	13.04
Net Debt/Capital (%)	61.05	57.3	50.11	-0.48	15.65	30.59	25.47	22.72	-2.65	-5.71	-525.44	25	13.65	20.08	11.53
EBITDA	2	2	2	3	3	3	3	4	4	4	5	4	4	4	4
EBITDA-CapEx	- -	1	-1	1	1	1	-1	- -	1	-6	- -	1	2	- -	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.35	10.46	8.61	9.24	9.33	9.59	9.39	9.99	9.94	9.29	9.29	8.39	8.89	8.83	9.45
Long-Term Debt/Equity (%)	159.86	150.3	139.94	123.45	126.03	109.33	103.91	95.27	87.62	28.65	26.41	28.28	23.59	41.25	35.58
Long-Term Debt/Capital (%)	59.71	57.98	55.89	52.5	53.57	50.1	47.56	46.45	44.36	20.59	18.48	19.25	15.69	26.78	24.84
Long-Term Debt/Total Assets (%)	16.55	15.72	12.04	11.4	11.76	10.48	9.76	9.52	8.74	2.67	2.46	2.38	2.1	3.65	3.37
Total Debt/Equity (%)	167.71	159.25	150.37	135.12	135.25	118.21	118.46	105.09	97.51	39.17	42.87	46.93	50.36	54.02	43.2
Total Debt/Capital (%)	62.65	61.43	60.06	57.47	57.49	54.17	54.23	51.24	49.37	28.14	30.01	31.94	33.49	35.07	30.17
Total Debt/Total Assets (%)	17.36	16.66	12.94	12.48	12.62	11.33	11.12	10.5	9.72	3.65	3.99	3.95	4.49	4.78	4.09
CFO/Total Liabilities	3.36	3.35	5.3	2.81	1.2	2.05	1.89	3.47	-0.98	-4.25	7.66	4.24	1.75	1.57	0.98
CFO/CapEx	15.21	32.86	17.4	18.83	8.48	9.96	6.17	14.09	-5.41	-7.86	32.88	26.68	26.6	10.55	10.52
Altman's Z-Score	0.26	0.31	0.26	0.26	0.25	0.28	0.28	0.28	0.28	0.22	0.23	0.24	0.25	0.24	0.24

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	15.33	16.03	15.5	15.24	14.95	15.12	14.44	14.17	15.51	18.12	17.65	14.64	12.73	11.79	12.27
Days Sales Outstanding	23.8	22.77	23.55	23.95	24.41	24.14	25.28	25.76	23.53	20.14	20.68	24.94	28.68	30.97	29.74
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	85	127	155	136	134	173	203	186	190	136	181	203	230	230	236
- Cash & Cash Equivalents	11	26	56	168	153	103	119	115	165	87	268	27	75	66	79
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1
+ Total Debt	161	163	170	167	177	165	168	160	161	76	90	92	110	123	113
Enterprise Value	91	111	50	-87	-61	24	32	16	-3	-160	-368	-244	-197	66	-57
Total Capital	257	265	283	291	308	304	310	312	326	271	301	288	327	350	376
Total Debt/Capital (%)	62.65	61.43	60.06	57.47	57.49	54.17	54.23	51.24	49.37	28.14	30.01	31.94	33.49	35.07	30.17
Total Debt / EV	1.78	1.46	3.39	-1.93	-2.9	6.73	5.21	10.08	-49.08	-0.48	-0.25	-0.38	-0.56	1.87	-2
EV/Sales	1.15	1.27	0.54	- -	- -	0.23	0.3	0.15	- -	- -	- -	- -	- -	0.53	- -
EV/EBITDA	42.69	49.01	21.32	- -	- -	7.15	9.35	4.32	- -	- -	- -	- -	- -	16.98	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.23	3.8	0.79	- -	- -	0.91	1.25	0.33	- -	- -	- -	- -	- -	1.78	- -
EV/Free Cash Flow to Firm	3.04	3.69	0.74	- -	- -	0.82	1.08	0.31	- -	- -	- -	- -	- -	1.63	- -
Diluted Market Cap	84	129	157	137	133	172	202	186	191	135	184	205	233	235	235
Diluted Enterprise Value	235	266	271	136	157	234	251	231	187	126	8	271	268	293	270
EV per Share	28.49	34.13	14.78	- -	- -	7.04	9.22	4.53	- -	- -	- -	- -	- -	20.26	- -
TTM Sales	79	87	93	97	99	107	107	106	110	135	132	116	123	124	137
TTM EBITDA	2	2	2	3	3	3	3	4	4	4	5	4	4	4	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	28	29	64	34	15	27	26	48	-15	-80	157	91	39	37	24
TTM Free Cash Flow to Firm	30	30	67	36	17	30	30	51	-12	-70	162	94	40	40	27

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.83	4.27	2.34	3.79	7.74	5.8	6.75	3.66	-16.01	-1.93	1.14	2.18	5.78	5.84	8.76
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	91	111	50	-87	-61	24	32	16	-3	-160	-368	-244	-197	66	-57
Low Price	19	26.4	36.8	30.33	33.2	37.02	42.25	45.28	45.66	28	36.9	43.1	48.01	33.51	53.14
EV/Sales	1.15	1.27	0.54	- -	- -	0.23	0.3	0.15	- -	- -	- -	- -	- -	0.53	- -
EV/EBITDA	42.69	49.01	21.32	- -	- -	7.15	9.35	4.32	- -	- -	- -	- -	- -	16.98	- -
Price/Earnings	7.07	7.79	10.45	10.96	10.59	12.79	30.77	10.34	10.12	6.12	6.44	7.03	9.86	11.85	8.76
Price/Earnings Average	5.91	7	10.92	9.82	9.94	10.78	26.93	11.03	9.4	6.02	6.1	6.22	8.09	9.21	8.33
Price/Earnings High	7.44	8.69	13.64	12.65	10.8	13.71	34.51	13.1	10.54	9.16	6.91	7.69	10.41	13.45	10.85
Price/Earnings Low	5.05	5.28	8.42	8.36	9.01	9.5	22.41	8.8	8.35	4.62	4.64	5.2	6.94	5.57	6.41
Price/Book Value	0.88	1.24	1.37	1.1	1.02	1.24	1.43	1.22	1.15	0.7	0.86	1.04	1.06	1.02	0.9
Price/Book Value Average	0.74	1.12	1.43	0.98	0.96	1.05	1.25	1.31	1.07	0.69	0.82	0.92	0.87	0.79	0.86
Price/Book Value High	0.93	1.38	1.79	1.27	1.04	1.33	1.6	1.55	1.2	1.05	0.93	1.13	1.12	1.16	1.11
Price/Book Value Low	0.63	0.84	1.1	0.84	0.87	0.92	1.04	1.04	0.95	0.53	0.62	0.77	0.75	0.48	0.66
Price/Tangible Book Value	0.99	1.39	1.63	1.27	1.17	1.41	1.61	1.36	1.27	0.82	0.99	1.2	1.21	1.15	1
Price/Tangible Book Value Average	0.83	1.25	1.71	1.14	1.09	1.19	1.41	1.46	1.18	0.8	0.94	1.06	0.99	0.89	0.95
Price/Tangible Book Value High	1.04	1.55	2.13	1.47	1.19	1.51	1.81	1.73	1.33	1.22	1.06	1.31	1.28	1.31	1.24
Price/Tangible Book Value Low	0.71	0.94	1.32	0.97	0.99	1.05	1.18	1.16	1.05	0.62	0.71	0.89	0.85	0.54	0.73
Price/Sales	1.05	1.43	1.62	1.39	1.34	1.62	1.89	1.75	1.73	1	1.4	1.77	1.89	1.9	1.72
Price/Sales Average	0.88	1.29	1.69	1.24	1.26	1.36	1.65	1.87	1.61	0.99	1.33	1.57	1.55	1.48	1.63
Price/Sales High	1.11	1.6	2.11	1.6	1.37	1.73	2.12	2.22	1.8	1.5	1.51	1.94	1.99	2.16	2.13
Price/Sales Low	0.75	0.97	1.3	1.06	1.14	1.2	1.37	1.49	1.43	0.76	1.01	1.31	1.33	0.89	1.26
Price/Cash Flow	2.98	4.28	2.37	3.96	8.65	6.38	7.85	3.92	-13.05	-1.68	1.17	2.26	5.99	6.39	9.6
Price/Cash Flow Average	2.49	3.84	2.48	3.55	8.13	5.38	6.87	4.18	-12.12	-1.66	1.11	2	4.92	4.97	9.12
Price/Cash Flow High	3.14	4.77	3.1	4.57	8.82	6.84	8.8	4.96	-13.59	-2.52	1.26	2.48	6.33	7.26	11.88
Price/Cash Flow Low	2.13	2.9	1.91	3.02	7.37	4.74	5.72	3.33	-10.77	-1.27	0.84	1.67	4.22	3.01	7.03
Price/Free Cash Flow Average	2.36	3.83	2.44	3.4	7.27	4.89	5.91	3.9	-14.87	-1.9	1.08	1.93	4.74	4.54	8.33
Price/Free Cash Flow High	2.98	4.76	3.05	4.38	7.89	6.22	7.57	4.63	-16.67	-2.89	1.22	2.39	6.1	6.63	10.85
Price/Free Cash Flow Low	2.02	2.89	1.88	2.9	6.59	4.31	4.92	3.11	-13.21	-1.46	0.82	1.61	4.07	2.75	6.41
EV/Sales Average	2.8	2.87	2.95	1.24	1.52	1.95	2.11	2.28	1.57	0.92	- -	2.12	1.82	1.91	1.89
EV/Sales High	3.03	3.19	3.38	1.6	1.63	2.32	2.57	2.63	1.76	1.44	0.14	2.49	2.25	2.58	2.38
EV/Sales Low	2.67	2.55	2.55	1.06	1.4	1.78	1.83	1.91	1.39	0.69	- -	1.87	1.6	1.34	1.51
EV/EBITDA Average	104.33	110.65	117.11	44.22	59.83	60.59	65.54	66.25	44.72	29.61	-0.97	56.33	57.71	61.36	65.98
EV/EBITDA High	112.99	122.76	134.25	57.05	64.13	72.16	80.02	76.38	50.26	46.29	3.89	66.05	71.66	82.74	83.26
EV/EBITDA Low	99.5	98.32	101.37	37.64	55.14	55.53	56.9	55.31	39.63	22.19	-9.65	49.56	50.79	43.04	52.84
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	26.6	38.94	45.67	39.74	39	49.85	58	53.21	55.33	37.11	51.19	58.27	68.19	71.25	72.59
High Price	28	43.42	59.59	45.88	39.77	53.4	65.05	67.4	57.61	55.51	55	63.77	72	80.87	89.9
Enterprise Value Average	221	251	275	121	150	207	226	243	173	124	-5	245	224	237	259
Enterprise Value High	240	279	315	156	161	247	276	280	194	194	18	288	278	319	327
Enterprise Value Low	211	223	238	103	138	190	196	203	153	93	-46	216	197	166	207

Shares Outstanding	3	3	3	3	3	3	3	3	3	4	4	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	4	3	4	4	4	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	4	3	4	4	4	3	3	3
Revenue per Share	25.22	27.21	28.22	28.61	29.13	30.84	30.75	30.4	31.94	36.95	36.52	32.86	36.15	37.49	42.3
EBITDA per Share	0.68	0.71	0.71	0.8	0.74	0.99	0.99	1.05	1.12	1.15	1.32	1.24	1.14	1.17	1.21
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.76	5	4.37	3.63	3.68	3.9	1.88	5.15	5.47	6.06	7.95	8.29	6.92	6.01	8.29
Basic EPS from Cont Ops	4.14	5.1	4.37	3.63	3.68	3.9	1.88	5.15	5.46	6.15	8.08	8.35	6.96	6.04	8.34
Diluted EPS, GAAP	3.72	4.86	4.19	3.59	3.68	3.89	1.88	5.15	5.47	6.06	7.95	8.29	6.92	6.01	8.29
Diluted EPS from Cont Ops	4.09	4.96	4.19	3.59	3.68	3.89	1.88	5.15	5.46	6.15	8.08	8.35	6.96	6.04	8.34
Dividend per Share	1.28	1.15	1.16	1.19	1.22	1.29	1.33	1.41	1.49	1.52	1.57	1.64	1.75	1.75	1.84
Cash Flow per Share	8.93	9.11	19.24	10.04	4.51	7.81	7.39	13.58	-4.24	-22.03	43.67	25.75	11.37	11.14	7.56
Free Cash Flow per Basic Share	8.34	8.83	18.14	9.51	3.98	7.03	6.19	12.62	-5.02	-24.83	42.34	24.78	10.95	10.09	6.84
Cash & Equivalents per Share	48.81	54.74	81.01	113.93	108.33	90.2	96.8	94.34	103.3	101.64	180.74	155.11	159.33	89.1	125.19
Book Value per Share	30.23	31.35	33.33	36.16	38.12	40.09	40.53	43.45	47.93	52.8	59.32	56.27	64.28	70	80.64
Tangible Book Value per Share	26.85	28.06	27.96	31.18	33.46	35.28	35.95	39	43.47	45.32	51.66	48.54	56.39	61.86	72.6

C&F Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)