Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 4.21% is in line with its 5-year average of 4.44%, near the low end of its 5-year range (3.66%–8.24%).
As of the fiscal period ended Tuesday, June 30, 2026. 2.61% below its 12-month average of 4.32%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 4.21%.
DEBT TO ASSETS RATIO
4.21%
DEBT TO ASSETS RATIO AVG TTM
4.32%
DEBT TO ASSETS RATIO AVG 3Y
4.93%
DEBT TO ASSETS RATIO AVG 5Y
4.44%
DEBT TO ASSETS RATIO AVG 10Y
7.10%
DEBT TO ASSETS RATIO AVG 15Y
9.52%
DEBT TO ASSETS RATIO AVG 20Y
11.84%
CURRENT VS TTM AVG
-2.61%
CURRENT VS 3Y AVG
-14.62%
CURRENT VS 5Y AVG
-5.28%
CURRENT VS 10Y AVG
-40.77%
CURRENT VS 15Y AVG
-55.81%
CURRENT VS 20Y AVG
-64.49%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 455 covered companies
CURRENT VS SECTOR MEDIAN
+8311.06%
vs the sector median at left
C&F Financial Corporation
Market Cap
$322.02M
Debt to Assets Ratio
4.21%
TTM Avg
4.32%
3Y Avg
4.93%
5Y Avg
4.44%
Market Cap
$320.68M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$323.17M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$324.16M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$316.73M
Debt to Assets Ratio
0.04%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$324.86M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| C&F Financial Corporation (CFFI) | $322.02M | 4.21% | 4.32% | 4.93% | 4.44% |
| Launch One Acquisition Corp. (LPAA)vs › | $320.68M | 0.00% | N/A | N/A | N/A |
| Lionheart Holdings (CUB)vs › | $321.84M | 0.00% | N/A | N/A | N/A |
| FS Bancorp, Inc. (FSBW)vs › | $322.24M | 0.12% | N/A | N/A | N/A |
| FVCBankcorp, Inc. (FVCB)vs › | $319.26M | 0.01% | N/A | N/A | N/A |
| Aldel Financial II Inc. (ALDF)vs › | $323.17M | 0.00% | N/A | N/A | N/A |
| Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs › | $324.16M | 0.00% | N/A | N/A | N/A |
| Fidelity D & D Bancorp, Inc. (FDBC)vs › | $316.73M | 0.04% | N/A | N/A | N/A |
| John Marshall Bancorp, Inc. (JMSB)vs › | $324.86M | 0.05% | N/A | N/A | N/A |
| Archimedes Tech SPAC Partners II Co. Ordinary Shares (ATII)vs › | $316.32M | 0.00% | N/A | N/A | N/A |
Debt/Assets
4.2%
Debt/Equity
0.43
Current ratio and interest coverage is unavailable for C&F Financial Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 4.21% |
| 2026-03-31 | 3.67% |
| 2025-12-31 | 4.09% |
| 2025-09-30 | 4.18% |
| 2025-06-30 | 5.44% |
| 2025-03-31 | 4.57% |
| 2024-12-31 | 4.78% |
| 2024-09-30 | 5.58% |
| 2024-06-30 | 4.77% |
| 2024-03-31 | 4.92% |
| 2023-12-31 | 4.49% |
| 2023-09-30 | 6.07% |
| 2023-06-30 | 7.26% |
| 2023-03-31 | 8.24% |
| 2022-12-31 | 3.95% |
| 2022-09-30 | 3.98% |
| 2022-06-30 | 3.96% |
| 2022-03-31 | 3.83% |
| 2021-12-31 | 3.99% |
| 2021-09-30 | 4.20% |
| 2021-06-30 | 3.66% |
| 2021-03-31 | 3.68% |
| 2020-12-31 | 3.65% |
| 2020-09-30 | 7.37% |
| 2020-06-30 | 4.61% |
| 2020-03-31 | 8.52% |
| 2019-12-31 | 9.72% |
| 2019-09-30 | 9.98% |
| 2019-06-30 | 10.31% |
| 2019-03-31 | 10.44% |
| 2018-12-31 | 10.50% |
| 2018-09-30 | 10.66% |
| 2018-06-30 | 10.82% |
| 2018-03-31 | 10.95% |
| 2017-12-31 | 11.12% |
| 2017-09-30 | 11.17% |
| 2017-06-30 | 11.30% |
| 2017-03-31 | 11.32% |
| 2016-12-31 | 11.33% |
| 2016-09-30 | 11.73% |
| 2016-06-30 | 12.10% |
| 2016-03-31 | 12.37% |
| 2015-12-31 | 12.62% |
| 2015-09-30 | 13.03% |
| 2015-06-30 | 13.23% |
| 2015-03-31 | 12.15% |
| 2014-12-31 | 12.48% |
| 2014-09-30 | 12.96% |
| 2014-06-30 | 12.59% |
| 2014-03-31 | 12.96% |
| 2013-12-31 | 12.94% |
| 2013-09-30 | 17.00% |
| 2013-06-30 | 16.84% |
| 2013-03-31 | 16.83% |
| 2012-12-31 | 16.66% |
| 2012-09-30 | 15.63% |
| 2012-06-30 | 16.36% |
| 2012-03-31 | 14.57% |
| 2011-12-31 | 17.36% |
| 2011-09-30 | 15.27% |
| 2011-06-30 | 15.54% |
| 2011-03-31 | 15.24% |
| 2010-12-31 | 15.87% |
| 2010-09-30 | 16.31% |
| 2010-06-30 | 17.31% |
| 2010-03-31 | 15.79% |
| 2009-12-31 | 16.91% |
| 2009-09-30 | 19.63% |
| 2009-06-30 | 19.65% |
| 2009-03-31 | 19.98% |
| 2008-12-31 | 23.24% |
| 2008-09-30 | 25.30% |
| 2008-06-30 | 25.51% |
| 2008-03-31 | 22.23% |
| 2007-12-31 | 22.41% |
| 2007-09-30 | 20.80% |
| 2007-06-30 | 16.02% |
| 2007-03-31 | 15.92% |
| 2006-12-31 | 15.67% |
| 2006-09-30 | 17.85% |
| 2006-06-30 | 17.23% |
| 2006-03-31 | 17.46% |
| 2005-12-31 | 15.23% |
| 2005-09-30 | 15.85% |
| 2005-06-30 | 17.37% |
| 2005-03-31 | 13.22% |
| 2004-12-31 | 12.85% |
| 2004-09-30 | 12.78% |
| 2004-06-30 | 12.77% |
| 2004-03-31 | 12.27% |
| 2003-12-31 | 11.81% |
| 2003-09-30 | 13.40% |
| 2003-06-30 | 13.04% |
| 2003-03-31 | 13.79% |
| 2002-12-31 | 17.12% |
| 2002-09-30 | 13.41% |
