C&F Financial Corp

NAS:CFFIFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$104.42+3.08%At closeAt close · Wed 21 Oct · ≈ AED 383.48 · Market cap $339.54M · Next earnings Thu 22 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	83.5%	93.6%	91.0%	76.8%	66.3%	69.5%	—	—
Operating margin	19.7%	27.2%	29.9%	19.5%	14.5%	17.8%	17.8%	+0.0 pts
Net margin	14.9%	20.5%	23.6%	15.8%	11.9%	14.4%	14.5%	+0.1 pts
EBITDA margin	22.5%	30.6%	33.5%	22.1%	16.8%	19.7%	—	—
Return on equity	11.4%	13.6%	14.9%	10.9%	8.8%	10.3%	10.3%	+0.0 pts
Return on assets	1.1%	1.3%	1.3%	1.0%	0.8%	1.0%	1.0%	+0.0 pts
Return on capital employed	9.3%	12.1%	12.7%	9.4%	6.7%	8.3%	—	—
Debt / equity	0.4×	0.4×	0.5×	0.5×	0.5×	0.4×	0.4×	−0.2%
Debt / assets	3.7%	4.0%	3.9%	4.5%	4.8%	4.1%	—	—
Interest coverage	2.2×	4.6×	4.7×	1.1×	0.6×	0.7×	—	—
Current ratio	0.2×	0.3×	0.3×	0.3×	0.1×	0.2×	0.2×	+0.0%
Quick ratio	0.2×	0.3×	0.3×	0.3×	0.1×	0.2×	—	—
Cash ratio	0.0×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	18.3×	20.6×	13.7×	14.4×	15.7×	15.9×	—	—
Dividend payout	25.1%	19.8%	19.7%	25.4%	29.1%	22.2%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.