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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.61
CFFI's Cash-to-Debt is ranked lower than
71% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. CFFI: 0.61 )
Ranked among companies with meaningful Cash-to-Debt only.
CFFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.38 Max: 1.06
Current: 0.61
0.05
1.06
Equity-to-Asset 0.10
CFFI's Equity-to-Asset is ranked higher than
51% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFFI: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
CFFI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 2.00
CFFI's Interest Coverage is ranked higher than
55% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CFFI: 2.00 )
Ranked among companies with meaningful Interest Coverage only.
CFFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 1.79 Max: 2.5
Current: 2
0.22
2.5
Piotroski F-Score: 5
Beneish M-Score: -3.38
WACC vs ROIC
5.86%
7.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 16.89
CFFI's Operating Margin % is ranked lower than
79% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. CFFI: 16.89 )
Ranked among companies with meaningful Operating Margin % only.
CFFI' s Operating Margin % Range Over the Past 10 Years
Min: 7.07  Med: 17.56 Max: 27.47
Current: 16.89
7.07
27.47
Net Margin % 12.62
CFFI's Net Margin % is ranked lower than
78% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. CFFI: 12.62 )
Ranked among companies with meaningful Net Margin % only.
CFFI' s Net Margin % Range Over the Past 10 Years
Min: 6.16  Med: 12.67 Max: 18.73
Current: 12.62
6.16
18.73
ROE % 9.83
CFFI's ROE % is ranked higher than
61% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. CFFI: 9.83 )
Ranked among companies with meaningful ROE % only.
CFFI' s ROE % Range Over the Past 10 Years
Min: 5.72  Med: 10.2 Max: 16.21
Current: 9.83
5.72
16.21
ROA % 0.94
CFFI's ROA % is ranked higher than
54% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFFI: 0.94 )
Ranked among companies with meaningful ROA % only.
CFFI' s ROA % Range Over the Past 10 Years
Min: 0.51  Med: 0.94 Max: 1.72
Current: 0.94
0.51
1.72
3-Year Revenue Growth Rate 4.30
CFFI's 3-Year Revenue Growth Rate is ranked higher than
51% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFFI: 4.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFFI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.3  Med: 9.3 Max: 33.4
Current: 4.3
-11.3
33.4
3-Year EBITDA Growth Rate -9.30
CFFI's 3-Year EBITDA Growth Rate is ranked lower than
84% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CFFI: -9.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CFFI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -23.7  Med: 2.6 Max: 40.9
Current: -9.3
-23.7
40.9
3-Year EPS without NRI Growth Rate -2.40
CFFI's 3-Year EPS without NRI Growth Rate is ranked lower than
75% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CFFI: -2.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFFI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 2.8 Max: 50
Current: -2.4
-27.1
50
GuruFocus has detected 5 Warning Signs with C&F Financial Corp $CFFI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFFI's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-26)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CFFI Guru Trades in Q1 2016

Jim Simons 73,700 sh (+2.79%)
» More
Q2 2016

CFFI Guru Trades in Q2 2016

Jim Simons 77,400 sh (+5.02%)
» More
Q3 2016

CFFI Guru Trades in Q3 2016

Jim Simons 81,500 sh (+5.30%)
» More
Q4 2016

CFFI Guru Trades in Q4 2016

Jim Simons 92,646 sh (+13.68%)
» More
» Details

Insider Trades

Latest Guru Trades with CFFI

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:MSL, NAS:BCBP, NAS:CFNB, NAS:SMBK, NAS:CFCB, NAS:CUBN, NAS:CHMG, NAS:PMBC, OTCPK:FNBG, OTCBB:CZFS, NAS:ESXB, NAS:UNTY, NAS:ACNB, NAS:NWFL, NAS:HBMD, NAS:PEBK, NAS:TRCB, NAS:PVBC, NAS:TCFC, OTCPK:HCFB » details
C&F Financial Corp through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: retail banking, mortgage banking, and consumer finance.

C&F Financial Corp is a bank holding company incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation operates in three principal business activities: retail banking, mortgage banking, and consumer finance. In addition, the Corporation conducts brokerage activities through C&F Investment Services, Inc., insurance activities through C&F Insurance Services, Inc. and title insurance services through C&F Title Agency, Inc. and CVB Title Services, Inc. The Corporation provides retail banking services through C&F Bank and CVB. C&F Bank provides retail banking services at its main office in West Point, Virginia, and 17 Virginia branches located one each in Chester, Hampton, Mechanicsville, Midlothian, Newport News, Norge, Providence Forge, Quinton, Saluda, Sandston, Varina, West Point and Yorktown, and two each in Williamsburg and Richmond. CVB provides retail banking services at its main office in Powhatan, Virginia, and six Virginia branches located one each in Cartersville, Cumberland and Richmond, and three in Midlothian. The services include checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity and installment loans. The Banks also offer ATMs, internet banking and debit and credit cards, as well as travelers' checks, safe deposit box rentals, collection, notary public, wire service and other customary bank services to its customers. The Corporation provides mortgage banking services through C&F Mortgage. C&F Mortgage provides mortgage loan origination services through 13 locations in Virginia, two in Maryland and one in Gastonia, North Carolina. The Maryland offices are located in Annapolis and Waldorf. C&F Mortgage offers residential mortgage loans, which are originated for sale to investors such as Wells Fargo Home Mortgage; Franklin American Mortgage Company; Penny Mac Corporation; and the Virginia Housing Development Authority. The Corporation provides consumer finance services through C&F Finance. C&F Finance is a regional finance company providing automobile loans throughout Virginia and in portions of Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Missouri, North Carolina, Ohio, Tennessee, Texas and West Virginia through its offices in Richmond and Hampton, Virginia, in Nashville, Tennessee and in Hunt Valley, Maryland. C&F Finance purchases automobile retail installment sales contracts from manufacturer-franchised dealerships with used-car operations and through selected independent dealerships. C&F Finance serves customers who do not meet the credit standards imposed by traditional automobile financing sources. The Company competes with national and regional financial institutions, savings associations and other independent community banks, as well as credit unions, mutual funds, brokerage firms and insurance companies. Bank holding companies and banks are extensively regulated under both federal and state law.

Ratios

vs
industry
vs
history
PE Ratio 12.45
CFFI's PE Ratio is ranked higher than
60% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. CFFI: 12.45 )
Ranked among companies with meaningful PE Ratio only.
CFFI' s PE Ratio Range Over the Past 10 Years
Min: 6.02  Med: 10.66 Max: 14.78
Current: 12.45
6.02
14.78
PE Ratio without NRI 12.45
CFFI's PE Ratio without NRI is ranked higher than
61% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. CFFI: 12.45 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFFI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.02  Med: 10.66 Max: 14.78
Current: 12.45
6.02
14.78
Price-to-Owner-Earnings 13.06
CFFI's Price-to-Owner-Earnings is ranked higher than
58% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. CFFI: 13.06 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFFI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.01  Med: 10.33 Max: 102.91
Current: 13.06
4.01
102.91
PB Ratio 1.19
CFFI's PB Ratio is ranked higher than
50% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CFFI: 1.19 )
Ranked among companies with meaningful PB Ratio only.
CFFI' s PB Ratio Range Over the Past 10 Years
Min: 0.45  Med: 1.02 Max: 2.14
Current: 1.19
0.45
2.14
PS Ratio 1.55
CFFI's PS Ratio is ranked higher than
85% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. CFFI: 1.55 )
Ranked among companies with meaningful PS Ratio only.
CFFI' s PS Ratio Range Over the Past 10 Years
Min: 0.52  Med: 1.3 Max: 2.2
Current: 1.55
0.52
2.2
Price-to-Free-Cash-Flow 332.41
CFFI's Price-to-Free-Cash-Flow is ranked lower than
98% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CFFI: 332.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFFI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.1  Med: 3.38 Max: 352.76
Current: 332.41
1.1
352.76
Price-to-Operating-Cash-Flow 74.60
CFFI's Price-to-Operating-Cash-Flow is ranked lower than
95% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CFFI: 74.60 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFFI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.08  Med: 3.33 Max: 184.68
Current: 74.6
1.08
184.68
EV-to-EBIT 12.49
CFFI's EV-to-EBIT is ranked higher than
50% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CFFI: 12.49 )
Ranked among companies with meaningful EV-to-EBIT only.
CFFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 12.8 Max: 51.5
Current: 12.49
4.5
51.5
EV-to-EBITDA 11.27
CFFI's EV-to-EBITDA is ranked higher than
51% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. CFFI: 11.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 11.5 Max: 34.4
Current: 11.27
4
34.4
Shiller PE Ratio 14.43
CFFI's Shiller PE Ratio is ranked higher than
78% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. CFFI: 14.43 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFFI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.08  Med: 10.35 Max: 17.01
Current: 14.43
4.08
17.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.68
CFFI's Dividend Yield % is ranked higher than
51% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. CFFI: 2.68 )
Ranked among companies with meaningful Dividend Yield % only.
CFFI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.98  Med: 3.3 Max: 10.6
Current: 2.68
1.98
10.6
Dividend Payout Ratio 0.35
CFFI's Dividend Payout Ratio is ranked lower than
53% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFFI: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFFI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.33 Max: 0.91
Current: 0.35
0.22
0.91
3-Year Dividend Growth Rate 3.60
CFFI's 3-Year Dividend Growth Rate is ranked lower than
67% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CFFI: 3.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFFI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -6.9  Med: 7.4 Max: 25.2
Current: 3.6
-6.9
25.2
Forward Dividend Yield % 2.74
CFFI's Forward Dividend Yield % is ranked lower than
51% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. CFFI: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.36
CFFI's 5-Year Yield-on-Cost % is ranked higher than
51% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. CFFI: 3.36 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFFI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.49  Med: 4.15 Max: 13.34
Current: 3.36
2.49
13.34
3-Year Average Share Buyback Ratio -0.70
CFFI's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. CFFI: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFFI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.1  Med: -0.4 Max: 5.2
Current: -0.7
-22.1
5.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.20
CFFI's Price-to-Tangible-Book is ranked higher than
53% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CFFI: 1.20 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFFI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.75  Med: 1.58 Max: 2.55
Current: 1.2
0.75
2.55
Price-to-Intrinsic-Value-Projected-FCF 0.46
CFFI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
82% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CFFI: 0.46 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFFI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.37 Max: 1.8
Current: 0.46
0.17
1.8
Price-to-Median-PS-Value 1.21
CFFI's Price-to-Median-PS-Value is ranked lower than
54% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFFI: 1.21 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFFI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.52  Med: 1.29 Max: 4.91
Current: 1.21
0.52
4.91
Price-to-Graham-Number 0.81
CFFI's Price-to-Graham-Number is ranked higher than
61% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CFFI: 0.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFFI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 0.84 Max: 1.2
Current: 0.81
0.56
1.2
Earnings Yield (Greenblatt) % 8.03
CFFI's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CFFI: 8.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFFI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.9  Med: 7.8 Max: 22
Current: 8.03
1.9
22
Forward Rate of Return (Yacktman) % 6.58
CFFI's Forward Rate of Return (Yacktman) % is ranked lower than
64% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. CFFI: 6.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CFFI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.7  Med: 23.4 Max: 56.3
Current: 6.58
5.7
56.3

More Statistics

Revenue (TTM) (Mil) $106.1
EPS (TTM) $ 3.87
Beta0.69
Short Percentage of Float0.75%
52-Week Range $37.05 - 53.40
Shares Outstanding (Mil)3.46
» More Articles for CFFI

Headlines

Articles On GuruFocus.com
These 32 Stocks Announced a Dividend Hike Last Week Dec 02 2012 
This Comapny Is Spicing Up Its Dividend With Another Increase Nov 30 2012 
For Over 50 Years This Little Insurance Company Has Paid Big Dividends Aug 27 2012 
Guru Stocks Raising Dividends: MDU, CFFI, NKE, UNP Nov 21 2011 
Guru Stocks Raising Dividends: MDU, CFFI, NKE, UNP Nov 21 2011 
C&F Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
C&F Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
C&F Financial Corp. Reports Operating Results (10-Q) May 06 2010 
C&F Financial Corp. (CFFI) Chairman, President & CEO Larry G Dillon sells 3,133 Shares Dec 16 2009 
C&F Financial Corp. Reports Operating Results (10-Q) Nov 06 2009 

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