Start with its own history
At 12.75×, CFFI is 11.9% above its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · CFFIBanks - RegionalUpdated Nov 2, 2026
C&F Financial Corporation P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
12.75×
11.9% abovethe 10-year annual average
Share price110.945
÷Earnings per share8.7
Price and EPS in quote currency. Calculation details
Investors are paying 12.75 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 11.40×
3-year average10.16×3 positive annual observations
5-year average8.79×5 positive annual observations
10-year average11.40×10 positive annual observations
Peer median · TTM11.43×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 8.76× | -26.1% |
| Dec 31, 2024 | 11.86× | +20.3% |
| Dec 31, 2023 | 9.85× | +40.2% |
| Dec 31, 2022 | 7.03× | +9.2% |
| Dec 31, 2021 | 6.44× | +5.1% |
| Dec 31, 2020 | 6.12× | -39.5% |
| Dec 31, 2019 | 10.12× | -2.1% |
| Dec 31, 2018 | 10.33× | -66.3% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 30.69× | +140.1% |
| Dec 31, 2016 | 12.78× | +20.6% |
| Dec 31, 2015 | 10.60× | -3.2% |
| Dec 31, 2014 | 10.95× | +4.8% |
| Dec 31, 2013 | 10.45× | +34.2% |
| Dec 31, 2012 | 7.79× | +10.1% |
| Dec 31, 2011 | 7.07× | -28.3% |
| Dec 31, 2010 | 9.87× | -25.2% |
| Dec 31, 2009 | 13.19× | +15.6% |
| Dec 31, 2008 | 11.41× | +5.3% |
| Dec 31, 2007 | 10.84× | +5.0% |
| Dec 31, 2006 | 10.32× | -3.7% |
| Dec 31, 2005 | 10.72× | -16.6% |
| Dec 31, 2004 | 12.85× | +15.9% |
| Dec 31, 2003 | 11.09× | +22.8% |
| Dec 31, 2002 | 9.03× | +1.6% |
| Dec 31, 2001 | 8.89× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How CFFI compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 CFFI This stockC&F Financial Corporation | 12.75× |
 LCNBLCNB Corp. | 11.40× |
 FVCBFVCBankcorp, Inc. | 11.46× |
 FUNCFirst United Corporation | 11.93× |
 VABKVirginia National Bankshares Corporation | 10.67× |
 HWBKHawthorn Bancshares, Inc. | 10.00× |
 ISTRInvestar Holding Corporation | 10.01× |
 FSFGFirst Savings Financial Group, Inc. | 20.35× |
 BPRNPrinceton Bancorp Inc. | 14.66× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does CFFI’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 11.43×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take CFFI into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("CFFI", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 110.945 ÷ EPS 8.7 = 12.75×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 2, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
CFFI P/E ratio: common questions
The essentials behind the numbers.
C&F Financial Corporation's current P/E is 12.75× based on the quote data last updated Nov 2, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.