C&F Financial (C&F Financial) Cash-to-Debt

: 0.69 (As of Dec. 2023)

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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. C&F Financial's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.69.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, C&F Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

CFFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.29 Med: 0.79 Max: 2.96
Current: 0.69

During the past 13 years, C&F Financial's highest Cash to Debt Ratio was 2.96. The lowest was 0.29. And the median was 0.79.

CFFI's Cash-to-Debt is ranked worse than
64.8% of 1443 companies
in the Banks industry
Industry Median: 1.23 vs CFFI: 0.69

C&F Financial Cash-to-Debt Historical Data

The historical data trend for C&F Financial's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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C&F Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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1.03

1.14

2.96

0.29

0.69

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
Cash-to-Debt	Get a 7-Day Free Trial															0.42	0.34	0.48	0.69	N/A

Competitive Comparison

For the Banks - Regional subindustry, C&F Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt Distribution

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

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

C&F Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

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

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	75.159	/	(58.223	+	51.316)
	=	0.69

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

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	75.159	/	(58.223	+	51.316)
	=	0.69

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

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

C&F Financial Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of C&F Financial's Cash-to-Debt 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 » Cash-to-Debt

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