CFFI (C&F Financial) Cyclically Adjusted Revenue per Share: $41.60 (As of Mar. 2026)


CFFI C&F Financial Corp CFFI
68 GF Score
Price $80.06
GF Value $74.12
Valuation Fairly Valued
! 4 Warning Signs
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What is C&F Financial Cyclically Adjusted Revenue per Share?

C&F Financial CFFI +2.31% 68 Cyclically Adjusted Revenue per Share is $41.60 as of Mar. 2026. GuruFocus rates CFFI with a GF Score™ of 68/100 and a GF Value™ of $74.12 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

C&F Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $10.780. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $41.60 for the trailing ten years ended in Mar. 2026.

During the past 12 months, C&F Financial's average Cyclically Adjusted Revenue Growth Rate was 4.10% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 3.30% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 4.70% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 4.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of C&F Financial was 12.00% per year. The lowest was 2.50% per year. And the median was 4.40% per year.

As of today (2026-07-11), C&F Financial's current stock price is $80.06. C&F Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $41.60. C&F Financial's Cyclically Adjusted PS Ratio of today is 1.92.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of C&F Financial was 2.16. The lowest was 0.93. And the median was 1.58.


C&F Financial  (NAS:CFFI) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

C&F Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=80.06/41.60
=1.92

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of C&F Financial was 2.16. The lowest was 0.93. And the median was 1.58.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


C&F Financial Cyclically Adjusted Revenue per Share Related Terms


C&F Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for C&F Financial's Cyclically Adjusted Revenue per Share 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.

C&F Financial Cyclically Adjusted Revenue per Share Chart

C&F Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 34.92 36.96 38.30 39.41 40.75

C&F Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 39.97 40.44 40.78 40.75 41.60

CFFI vs TRUX, FRAF, OVLY: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, C&F Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, C&F Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where C&F Financial's Cyclically Adjusted PS Ratio falls into.


CFFI
68GF Score
C&F Financial Corp CFFI
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

C&F Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, C&F Financial's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=10.78/330.2130*330.2130
=10.780

Current CPI (Mar. 2026) = 330.2130.

C&F Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 8.053 241.018 11.033
201609 7.856 241.428 10.745
201612 7.704 241.432 10.537
201703 7.471 243.801 10.119
201706 7.884 244.955 10.628
201709 7.759 246.819 10.381
201712 7.639 246.524 10.232
201803 7.602 249.554 10.059
201806 7.773 251.989 10.186
201809 7.855 252.439 10.275
201812 7.174 251.233 9.429
201903 7.676 254.202 9.971
201906 8.212 256.143 10.587
201909 8.295 256.759 10.668
201912 7.650 256.974 9.830
202003 7.371 258.115 9.430
202006 8.581 257.797 10.991
202009 10.103 260.280 12.818
202012 10.891 260.474 13.807
202103 9.210 264.877 11.482
202106 9.221 271.696 11.207
202109 9.208 274.310 11.085
202112 8.869 278.802 10.504
202203 7.487 287.504 8.599
202206 7.839 296.311 8.736
202209 8.556 296.808 9.519
202212 8.993 296.797 10.006
202303 9.300 301.836 10.174
202306 9.292 305.109 10.057
202309 8.720 307.789 9.355
202312 9.161 306.746 9.862
202403 8.856 312.332 9.363
202406 9.193 314.175 9.662
202409 9.948 315.301 10.418
202412 9.647 315.605 10.094
202503 9.797 319.799 10.116
202506 11.094 322.561 11.357
202509 10.806 324.800 10.986
202512 10.746 324.054 10.950
202603 10.780 330.213 10.780

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $41.60 mean?
C&F Financial (CFFI) has a Cyclically Adjusted Revenue per Share of $41.60 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on C&F Financial and its competitors.
Is C&F Financial's Cyclically Adjusted Revenue per Share too high?
C&F Financial's current Cyclically Adjusted Revenue per Share is $41.60. Overall, C&F Financial has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does C&F Financial's Cyclically Adjusted Revenue per Share compare to TRUX and FRAF?
C&F Financial's Cyclically Adjusted Revenue per Share of $41.60 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on C&F Financial and its competitors. C&F Financial's current Cyclically Adjusted Revenue per Share is $41.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is C&F Financial stock overvalued right now?
Based on GuruFocus' analysis, C&F Financial (CFFI) is currently considered Fairly Valued. The stock's GF Value™ is $74.12, compared to a current price of $80.06 — trading 8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $41.60. C&F Financial's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For C&F Financial (CFFI), the current Cyclically Adjusted Revenue per Share is $41.60 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is C&F Financial (CFFI) Overvalued in 2026?

Based on GuruFocus' analysis, C&F Financial stock appears to be overvalued. The current stock price of $80.06 is trading 8% above its estimated GF Value™ of $74.12. GuruFocus considers C&F Financial to be Fairly Valued.

Key valuation signals for CFFI:

  • Cyclically Adjusted Revenue per Share: $41.60
  • GF Value™: $74.12 vs. price of $80.06 (8% above fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the CFFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


C&F Financial Business Description

Address 3600 La Grange Parkway, Toano, VA, USA, 23168
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 of its revenue from the Community Banking segment.
68GF Score

Get the complete analysis for CFFI

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.06
Price
$74.12
GF Value