C&F Financial (CFFI) Debt/Equity Ratio: History & Chart

C&F Financial Corporation(CFFI)

Banks - Regional · Toano, VA

$99.37-0.09 (-0.10%)

Delayed quote: Oct 6, 2026, 10:20 AM EDT

About C&F Financial Corporation

C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.

Toano, VA

575 employees

www.cffc.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Thomas F. Cherry

View full financials

CFFI Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.43

DEBT TO EQUITY RATIO AVG TTM

0.46

DEBT TO EQUITY RATIO AVG 3Y

0.53

DEBT TO EQUITY RATIO AVG 5Y

0.50

DEBT TO EQUITY RATIO AVG 10Y

0.76

DEBT TO EQUITY RATIO AVG 15Y

0.99

DEBT TO EQUITY RATIO AVG 20Y

1.19

CURRENT VS TTM AVG

-7.65%

CURRENT VS 3Y AVG

-19.31%

CURRENT VS 5Y AVG

-14.85%

CURRENT VS 10Y AVG

-43.87%

CURRENT VS 15Y AVG

-57.10%

CURRENT VS 20Y AVG

-64.36%

SECTOR MEDIAN · FINANCIAL SERVICES

0.35

median of 478 covered companies

CURRENT VS SECTOR MEDIAN

+21.55%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
C&F Financial Corporation (CFFI)	$323.37M	0.43	0.46	0.53	0.50
NewtekOne, Inc. (NEWT)vs ›	$323.29M	1.35	2.24	2.14	1.85
Aldel Financial II Inc. (ALDF)vs ›	$323.62M	0.00	0.00	0.00	0.00
Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs ›	$324.16M	0.00	0.00	0.00	0.00
Fidelity D & D Bancorp, Inc. (FDBC)vs ›	$322.19M	0.49	0.08	0.26	0.21
Launch One Acquisition Corp. (LPAA)vs ›	$321.57M	0.00	0.00	0.00	0.00
John Marshall Bancorp, Inc. (JMSB)vs ›	$325.85M	0.46	0.33	0.28	0.27
B&R Technology Merger Corp. Class A (BRTM)vs ›	$325.90M	N/A	N/A	N/A	N/A
Lionheart Holdings (CUB)vs ›	$320.66M	0.00	0.00	0.00	0.28
FVCBankcorp, Inc. (FVCB)vs ›	$319.08M	0.11	0.21	0.60	0.52

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

C&F Financial Corporation (CFFI)

$323.37M

0.43

0.46

0.53

0.50

NewtekOne, Inc. (NEWT)vs ›

$323.29M

1.35

2.24

2.14

1.85

Aldel Financial II Inc. (ALDF)vs ›

$323.62M

0.00

Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs ›

$324.16M

0.00

Fidelity D & D Bancorp, Inc. (FDBC)vs ›

$322.19M

0.49

0.08

0.26

0.21

Launch One Acquisition Corp. (LPAA)vs ›

$321.57M

0.00

John Marshall Bancorp, Inc. (JMSB)vs ›

$325.85M

0.46

0.33

0.28

0.27

B&R Technology Merger Corp. Class A (BRTM)vs ›

$325.90M

N/A

Lionheart Holdings (CUB)vs ›

$320.66M

0.00

0.28

FVCBankcorp, Inc. (FVCB)vs ›

$319.08M

0.11

0.21

0.60

0.52

Debt to Equity Ratio FAQ

What is the debt to equity ratio for C&F Financial Corporation (CFFI)?

The debt to equity ratio for CFFI stock is 0.43.

Is C&F Financial Corporation's debt to equity ratio high or low?

The debt to equity ratio of 0.43 is 15% below its 5-year average of 0.50, near the low end of its 5-year range (0.39–0.99).

What is the TTM average debt to equity ratio for C&F Financial Corporation (CFFI)?

The TTM average debt to equity ratio for CFFI stock is 0.46.

What is the 3Y average debt to equity ratio for C&F Financial Corporation (CFFI)?

The 3Y average debt to equity ratio for CFFI stock is 0.53.

What is the 5Y average debt to equity ratio for C&F Financial Corporation (CFFI)?

The 5Y average debt to equity ratio for CFFI stock is 0.50.

What is the 10Y average debt to equity ratio for C&F Financial Corporation (CFFI)?

The 10Y average debt to equity ratio for CFFI stock is 0.76.

What is the 15Y average debt to equity ratio for C&F Financial Corporation (CFFI)?

The 15Y average debt to equity ratio for CFFI stock is 0.99.

What is the 20Y average debt to equity ratio for C&F Financial Corporation (CFFI)?

The 20Y average debt to equity ratio for CFFI stock is 1.19.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.43
2026-03-31	0.39
2025-12-31	0.43
2025-09-30	0.45
2025-06-30	0.61
2025-03-31	0.51
2024-12-31	0.54
2024-09-30	0.63
2024-06-30	0.54
2024-03-31	0.56
2023-12-31	0.51
2023-09-30	0.74
2023-06-30	0.87
2023-03-31	0.99
2022-12-31	0.47
2022-09-30	0.50
2022-06-30	0.47
2022-03-31	0.44
2021-12-31	0.43
2021-09-30	0.45
2021-06-30	0.39
2021-03-31	0.40
2020-12-31	0.39
2020-09-30	0.81
2020-06-30	0.50
2020-03-31	0.89
2019-12-31	0.98
2019-09-30	1.00
2019-06-30	1.02
2019-03-31	1.05
2018-12-31	1.05
2018-09-30	1.07
2018-06-30	1.13
2018-03-31	1.17
2017-12-31	1.18
2017-09-30	1.13
2017-06-30	1.14
2017-03-31	1.17
2016-12-31	1.18
2016-09-30	1.20
2016-06-30	1.24
2016-03-31	1.30
2015-12-31	1.35
2015-09-30	1.38
2015-06-30	1.44
2015-03-31	1.33
2014-12-31	1.35
2014-09-30	1.40
2014-06-30	1.42
2014-03-31	1.48
2013-12-31	1.50
2013-09-30	1.53
2013-06-30	1.58
2013-03-31	1.59
2012-12-31	1.59
2012-09-30	1.53
2012-06-30	1.65
2012-03-31	1.39
2011-12-31	1.68
2011-09-30	1.49
2011-06-30	1.42
2011-03-31	1.45
2010-12-31	1.55
2010-09-30	1.58
2010-06-30	1.73
2010-03-31	1.53
2009-12-31	1.69
2009-09-30	1.92
2009-06-30	2.00
2009-03-31	2.08
2008-12-31	3.07
2008-09-30	3.33
2008-06-30	3.29
2008-03-31	2.67
2007-12-31	2.70
2007-09-30	2.50
2007-06-30	1.88
2007-03-31	1.80
2006-12-31	1.69
2006-09-30	1.91
2006-06-30	1.94
2006-03-31	1.93
2005-12-31	1.70
2005-09-30	1.82
2005-06-30	2.07
2005-03-31	1.14
2004-12-31	1.12
2004-09-30	1.12
2004-06-30	1.16
2004-03-31	1.07
2003-12-31	1.04
2003-09-30	1.20
2003-06-30	1.18
2003-03-31	1.30
2002-12-31	1.68
2002-09-30	1.27

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.43

2026-03-31

0.39

2025-12-31

0.43

2025-09-30

0.45

2025-06-30

0.61

2025-03-31

0.51

2024-12-31

0.54

2024-09-30

0.63

2024-06-30

0.54

2024-03-31

0.56

2023-12-31

0.51

2023-09-30

0.74

2023-06-30

0.87

2023-03-31

0.99

2022-12-31

0.47

2022-09-30

0.50

2022-06-30

0.47

2022-03-31

0.44

2021-12-31

0.43

2021-09-30

0.45

2021-06-30

0.39

2021-03-31

0.40

2020-12-31

0.39

2020-09-30

0.81

2020-06-30

0.50

2020-03-31

0.89

2019-12-31

0.98

2019-09-30

1.00

2019-06-30

1.02

2019-03-31

1.05

2018-12-31

1.05

2018-09-30

1.07

2018-06-30

1.13

2018-03-31

1.17

2017-12-31

1.18

2017-09-30

1.13

2017-06-30

1.14

2017-03-31

1.17

2016-12-31

1.18

2016-09-30

1.20

2016-06-30

1.24

2016-03-31

1.30

2015-12-31

1.35

2015-09-30

1.38

2015-06-30

1.44

2015-03-31

1.33

2014-12-31

1.35

2014-09-30

1.40

2014-06-30

1.42

2014-03-31

1.48

2013-12-31

1.50

2013-09-30

1.53

2013-06-30

1.58

2013-03-31

1.59

2012-12-31

1.59

2012-09-30

1.53

2012-06-30

1.65

2012-03-31

1.39

2011-12-31

1.68

2011-09-30

1.49

2011-06-30

1.42

2011-03-31

1.45

2010-12-31

1.55

2010-09-30

1.58

2010-06-30

1.73

2010-03-31

1.53

2009-12-31

1.69

2009-09-30

1.92

2009-06-30

2.00

2009-03-31

2.08

2008-12-31

3.07

2008-09-30

3.33

2008-06-30

3.29

2008-03-31

2.67

2007-12-31

2.70

2007-09-30

2.50

2007-06-30

1.88

2007-03-31

1.80

2006-12-31

1.69

2006-09-30

1.91

2006-06-30

1.94

2006-03-31

1.93

2005-12-31

1.70

2005-09-30

1.82

2005-06-30

2.07

2005-03-31

1.14

2004-12-31

1.12

2004-09-30

1.12

2004-06-30

1.16

2004-03-31

1.07

2003-12-31

1.04

2003-09-30

1.20

2003-06-30

1.18

2003-03-31

1.30

2002-12-31

1.68

2002-09-30

1.27

Debt to Equity Ratio: 0.43

CFFI Debt to Equity Ratio

CFFI Average Debt to Equity Ratio Chart

CFFI Current vs Average Debt to Equity Ratio Chart

CFFI Debt to Equity Ratio Metrics

CFFI Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

CFFI Debt to Equity Ratio History

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