10 Year Financial Data of C&F Financial Corporation (CFFI)

47.92 (1y: +39%)

Market Cap	151.79 M	P/E(ttm)	9.70
Enterprise Value	319.01 M	P/B	1.53

CFFI- NAS (USA)
C&F Financial Corporation

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$47.92

1 Severe Warning Sign 4 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	8.3	6.1	7.2
EBITDA Growth (%)	1.1	37	15.8
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	7.8	8	2.1

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	15.66	15.53	18.35	20.65	21.28	22.47	28.28	27.82	28.04	30.36	30.68	7.14	7.35	8.00	7.86	7.47
EBITDA per Share	5.54	4.73	5.28	5.99	4.55	2.39	3.13	4.17	6.57	7.95	8.00	1.86	2.03	2.19	1.87	1.91
Free Cashflow per Share	22.92	-1.41	8.16	1.56	10.66	7.30	10.31	-4.69	8.24	8.71	14.04	4.46	-3.45	4.42	3.26	9.81
Earnings per Share ($)	3.42	3.00	3.36	3.71	2.68	1.38	1.44	2.24	3.72	4.86	4.94	1.11	1.22	1.36	1.17	1.19
Dividends Per Share	0.72	0.90	1.00	1.16	1.24	1.24	1.06	1.00	1.01	1.08	1.11	0.26	0.26	0.27	0.29	0.29
Book Value per Share	17.31	18.72	17.13	20.80	20.61	21.47	29.16	29.90	30.29	30.91	31.12	30.47	28.49	29.55	30.69	31.12
Month End Stock Price	39.70	40.35	37.40	39.75	30.25	15.75	19.00	22.31	26.60	38.94	40.95	29.76	40.16	39.35	38.94	40.95
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	19.80	16.00	19.60	17.80	13.00	6.40	6.20	8.70	13.50	16.00	15.20	15.20	18.00	18.40	15.20	15.20
Return on Assets %	2.30	1.80	1.80	1.70	1.10	0.50	0.60	0.90	1.40	1.70	1.60	1.60	1.60	2.00	1.60	1.60
Return on Capital - Joel Greenblatt %	369	44.50	--	102	27.30	6.20	298	37.30	76.40	227	--	337	62.40	86.00	213	--
Debt to Equity	0.91	1.12	1.70	1.69	2.70	3.38	1.69	1.55	1.46	1.59	1.59	1.39	1.66	1.53	1.59	1.59

Operating Margin %	32.50	27.90	26.40	26.00	17.60	7.10	8.70	12.80	21.00	23.90	23.30	23.70	25.40	25.20	21.60	23.30
Net Margin %	21.80	19.30	18.30	18.00	12.60	6.20	6.40	9.40	14.60	16.30	15.90	16.20	17.30	17.00	14.90	15.90

Debt to Revenue	1.01	1.35	1.59	1.70	2.62	3.23	1.74	1.66	1.58	1.62	6.64	5.91	6.41	5.64	6.22	6.64
Interest Exp. to Revenue %	50.44	57.42	57.14	59.43	61.56	62.95	57.44	65.59	69.60	66.62	67.44	68.31	68.10	64.11	66.28	67.44

Asset Turnover	0.10	0.10	0.10	0.09	0.09	0.08	0.10	0.10	0.10	0.10	0.03	0.03	0.03	0.03	0.03	0.03
Buyback Ratio	--	--	--	--	--	--	--	--	-0.30	-1.20	--	-1.10	-12.90	-7.40	18.50	--
Dividend Payout Ratio	0.21	0.30	0.30	0.31	0.46	0.90	0.59	0.38	0.25	0.22	0.24	0.23	0.21	0.20	0.25	0.24
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	29.84	33.29	36.77	40.13	41.45	42.74	49.51	56.61	61.91	66.85	67.91	15.92	16.50	17.09	17.34	16.98
Non Interest Income	29.32	24.69	27.58	27.39	25.88	25.15	36.69	29.70	27.05	33.50	34.31	7.38	7.73	9.57	8.82	8.19
Revenue	59.16	57.98	64.36	67.51	67.33	67.88	86.20	86.31	88.96	100	102	23.30	24.23	26.66	26.16	25.17

Selling, General, &Admin. Expense	24.41	25.23	28.28	29.01	30.79	27.72	35.12	34.89	34.32	40.69	41.12	9.74	9.60	11.00	10.35	10.17
Credit Losses Provision	3.17	4.03	5.52	4.63	7.13	13.77	18.56	14.96	14.16	12.41	12.86	2.73	2.86	2.97	3.86	3.18
Other Expenses	10.65	11.07	12.04	14.31	15.02	19.16	22.98	23.52	19.65	20.96	21.60	4.76	5.07	5.42	5.72	5.40
Earnings Before DDA	20.94	17.65	18.52	19.57	14.39	7.23	9.54	12.95	20.83	26.30	26.65	6.08	6.70	7.28	6.23	6.43

Depreciation, Depletion and Amortization	1.69	1.45	1.55	2.01	2.56	2.44	2.07	1.89	2.12	2.27	2.27	0.56	0.56	0.57	0.58	0.56

Operating Income	19.25	16.20	16.97	17.56	11.82	4.80	7.47	11.06	18.71	24.03	24.37	5.52	6.14	6.71	5.65	5.86
Net Income	12.92	11.20	11.79	12.13	8.48	4.18	5.53	8.11	12.98	16.38	16.61	3.78	4.18	4.53	3.89	4.01

Preferred dividends	--	--	--	--	--	--	1.13	1.15	1.18	0.31	0.17	0.15	0.17	--	--	--
Earnings per Share ($)	3.42	3.00	3.36	3.71	2.68	1.38	1.44	2.24	3.72	4.86	4.94	1.11	1.22	1.36	1.17	1.19
Total Shares Outstanding	3.78	3.73	3.51	3.27	3.16	3.02	3.05	3.10	3.17	3.31	3.37	3.27	3.30	3.33	3.33	3.37
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	49.75	45.19	42.88	28.51	11.43	9.89	38.06	9.68	11.51	25.62	70.73	26.43	10.93	13.75	25.62	70.73
Money Market Investments	2.07	2.03	1.88	2.09	5.22	5.28	--	--	--	--	--	--	--	--	--	--
Net Loan	380	443	505	571	620	670	642	674	687	713	687	690	714	724	713	687
Securities & Investments	103	72.79	65.30	67.58	81.26	101	119	130	145	153	151	144	141	141	153	151
Accounts Receivable	2.59	3.04	3.66	4.43	5.07	5.10	5.41	5.07	5.24	5.67	5.57	5.22	5.36	5.59	5.67	5.57
Property, Plant and Equipment	15.37	18.30	29.15	33.19	32.85	31.13	29.49	28.74	28.46	27.08	27.84	28.18	28.00	27.63	27.08	27.84
Intangible Assets	9.07	10.23	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72	10.72
Other Assets	11.74	14.51	13.65	16.59	19.08	22.87	44.42	45.74	40.50	42.09	41.37	41.22	39.61	39.21	42.09	41.37
Total Assets	574	609	672	734	786	856	888	904	928	977	993	945	950	962	977	993

Total Deposits	428	447	495	533	528	551	607	625	646	686	696	661	657	664	686	696
Accounts Payable	0.58	0.61	1.31	1.92	2.12	1.92	1.57	1.16	1.11	0.84	0.80	1.11	0.97	0.92	0.84	0.80
Current Portion of Long-Term Debt	39.60	63.29	13.53	12.46	21.97	56.02	11.08	10.62	7.54	9.14	13.61	4.80	22.38	17.37	9.14	13.61
Long-Term Debt	20.00	15.00	88.79	103	154	163	139	133	133	154	154	133	133	133	154	154
Other liabilities	20.34	13.19	12.81	16.66	14.64	18.69	41.14	41.55	43.98	25.05	23.98	46.56	42.02	47.85	25.05	23.98
Total Liabilities	508	539	612	666	720	791	800	811	832	875	888	846	856	863	875	888

Common Stock	3.61	3.54	3.14	3.16	2.98	2.99	3.01	3.03	3.09	3.16	3.16	3.11	3.12	3.13	3.16	3.16
Preferred Stock	--	--	--	--	--	--	0.02	0.02	0.01	--	--	0.01	--	--	--	--
Retained Earnings	58.49	64.32	55.93	64.40	62.05	62.36	63.67	67.54	76.17	88.70	91.75	78.97	82.09	85.75	88.70	91.75
Additional Paid-In Capital	1.01	0.08	0.18	0.32	--	0.55	21.21	22.11	13.44	5.62	5.78	13.87	4.42	4.86	5.62	5.78
Total Equity	65.38	69.90	60.09	68.01	65.22	64.86	88.88	92.78	96.09	102	105	99.47	93.91	98.48	102	105
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	12.92	11.20	11.79	12.13	8.48	4.18	5.53	8.11	12.98	16.38	16.61	3.78	4.18	4.53	3.89	4.01
Depreciation, Depletion and Amortization	1.69	1.45	1.55	2.01	2.56	2.44	2.07	1.89	2.12	2.27	2.27	0.56	0.56	0.57	0.58	0.56
Cash Flow from Others	71.95	-17.92	15.29	-9.04	22.67	15.44	24.25	-23.41	12.90	11.04	30.33	10.52	-15.74	9.82	6.44	29.81
Cash Flow from Operations	86.56	-5.28	28.62	5.10	33.71	22.05	31.84	-13.41	27.99	29.69	49.21	14.86	-11.00	14.93	10.91	34.38

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-0.43	-1.14	-1.84	-0.89	-1.93	-0.28	-0.38	-0.20	-0.04	-1.32
Cash Flow from Investing	-68.37	-22.98	-82.79	-66.01	-94.05	-87.47	-27.11	-23.11	-31.18	-44.77	-37.19	-10.68	-8.34	-13.33	-12.43	-3.10

Net Issuance of Stock	-1.53	-3.16	-17.14	0.06	-7.87	0.23	--	--	0.04	0.20	0.16	0.04	0.54	0.34	-0.72	--
Net Issuance of Preferred Stock	--	--	--	--	--	--	19.91	--	-10.00	-10.00	-10.00	--	-10.00	--	--	--
Net Issuance of Debt	-26.75	10.55	24.03	12.74	60.99	43.41	-48.63	-6.69	-2.99	1.60	8.81	-2.75	17.59	-5.01	-8.23	4.47
Cash Flow for Dividends	-2.59	-3.20	-3.34	-3.66	-3.77	-3.75	-4.08	-4.09	-4.02	-3.68	-3.67	-0.96	-0.91	-0.87	-0.94	-0.95
Other Financing	44.10	19.50	48.30	37.40	-5.26	23.15	56.23	18.91	21.98	41.08	36.98	14.40	-3.37	6.77	23.28	10.30
Cash Flow from Financing	13.23	23.69	51.86	46.54	44.09	63.04	23.44	8.13	5.01	29.19	32.28	10.74	3.85	1.22	13.39	13.82

Net Change in Cash	31.42	-4.57	-2.31	-14.37	-16.24	-2.38	28.17	-28.38	1.83	14.11	44.30	14.92	-15.49	2.82	11.87	45.11

Free Cash Flow	86.56	-5.28	28.62	5.10	33.71	22.05	31.42	-14.55	26.15	28.80	47.29	14.58	-11.38	14.73	10.87	33.06
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

Switch to Another Stock:

CFFI Quarterly/Annuals Reports

CFFI: 10-Q - C & F FINANCIAL CORP (0000913341) (Filer): (10-Q) - 2012-11-08
CFFI: 10-Q - C & F FINANCIAL CORP (0000913341) (Filer): (10-Q) - 2012-08-07
CFFI: 10-Q - C & F FINANCIAL CORP (0000913341) (Filer): (10-Q) - 2012-05-08
CFFI: 10-K - C & F FINANCIAL CORP (0000913341) (Filer): (10-K) - 2012-03-05
CFFI: 10-Q - C & F FINANCIAL CORP (0000913341) (Filer): (10-Q) - 2011-11-08

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