C&F Financial (C&F Financial) Debt-to-Equity : 0.51 (As of Dec. 2023)

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What is C&F Financial Debt-to-Equity?

C&F Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $58.2 Mil. C&F Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $51.3 Mil. C&F Financial's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $216.9 Mil. C&F Financial's debt to equity for the quarter that ended in Dec. 2023 was 0.51.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for C&F Financial's Debt-to-Equity or its related term are showing as below:

CFFI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 1.01 Max: 1.35
Current: 0.51

During the past 13 years, the highest Debt-to-Equity Ratio of C&F Financial was 1.35. The lowest was 0.39. And the median was 1.01.

CFFI's Debt-to-Equity is ranked better than
59.9% of 1394 companies
in the Banks industry
Industry Median: 0.695 vs CFFI: 0.51

C&F Financial Debt-to-Equity Historical Data

The historical data trend for C&F Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

C&F Financial Debt-to-Equity Chart

C&F Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

Get a 7-Day Free Trial

0.98

0.39

0.43

0.47

0.51

C&F Financial Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.99	0.87	0.74	0.51	-

Competitive Comparison of C&F Financial's Debt-to-Equity

For the Banks - Regional subindustry, C&F Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

C&F Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, C&F Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where C&F Financial's Debt-to-Equity falls into.

C&F Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

C&F Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(58.223	+	51.316)	/	216.878
	=	0.51

C&F Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(58.223	+	51.316)	/	216.878
	=	0.51

C&F Financial (NAS:CFFI) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

C&F Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of C&F Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

C&F Financial (C&F Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » C&F Financial Corp (NAS:CFFI) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

3600 La Grange Parkway, Toano, VA, USA, 23168

Website

https://www.cffc.com

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 revenue from the Community Banking segment.

Executives

Seaman John A Iii	other: Chief Credit Officer	802 MAIN STREET, WEST POINT VA 23181
Thomas F Cherry	officer: Senior Vice President & CFO
S Dustin Crone	other: President of Major Subsidiary	802 MAIN STREET, WEST POINT VA 23181
Audrey Dale Holmes	director	5120 ADKINS ROAD, PROVIDENCE FORGE VA 23140
Larry G Dillon	director, officer: Chairman, President & CEO
Hudson James H Iii	director
Jeffery O Smith	director	3600 LA GRANGE PKWY, TOANO VA 23168
D Anthony Peay	director	3600 LA GRANGE PKWY, TOANO VA 23168
Jason E Long	officer: Chief Financial Officer	4136 LONGVIEW LANDING, WILLIAMSBURG VA 23188
Sisson George R Iii	director	3600 LAGRANGE PARKWAY, TOANO VA 23168
Bryan Edwin Mckernon	other: President of major subsidiary	1400 ALVERSER DRIVE, MIDLOTHIAN VA 23113
Causey J P Jr	director	1021 EAST CARY STREET, PO BOX 2350, RICHMOND VA 23218-2350
Barry R Chernack	director
Julie R Agnew	director	100 PIERCES COURT, WILLIAMSBURG VA 23185
Elizabeth R Kelley	director	324 5TH STREET, WEST POINT VA 23181