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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.54
NAS:CFFI's Cash to Debt is ranked lower than
71% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:CFFI: 0.54 )
Ranked among companies with meaningful Cash to Debt only.
NAS:CFFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.36 Max: No Debt
Current: 0.54
Equity to Asset 0.10
NAS:CFFI's Equity to Asset is ranked higher than
51% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:CFFI: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 1.97
NAS:CFFI's Interest Coverage is ranked higher than
54% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:CFFI: 1.97 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CFFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 1.26 Max: 2.5
Current: 1.97
0.22
2.5
F-Score: 6
M-Score: -2.48
WACC vs ROIC
5.74%
7.54%
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 (%) 17.09
NAS:CFFI's Operating margin (%) is ranked lower than
79% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:CFFI: 17.09 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:CFFI' s Operating margin (%) Range Over the Past 10 Years
Min: 7.07  Med: 17.76 Max: 27.47
Current: 17.09
7.07
27.47
Net-margin (%) 12.55
NAS:CFFI's Net-margin (%) is ranked lower than
79% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:CFFI: 12.55 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:CFFI' s Net-margin (%) Range Over the Past 10 Years
Min: 6.16  Med: 12.67 Max: 18.73
Current: 12.55
6.16
18.73
ROE (%) 9.85
NAS:CFFI's ROE (%) is ranked higher than
62% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:CFFI: 9.85 )
Ranked among companies with meaningful ROE (%) only.
NAS:CFFI' s ROE (%) Range Over the Past 10 Years
Min: 5.72  Med: 11.47 Max: 18.94
Current: 9.85
5.72
18.94
ROA (%) 0.93
NAS:CFFI's ROA (%) is ranked higher than
54% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:CFFI: 0.93 )
Ranked among companies with meaningful ROA (%) only.
NAS:CFFI' s ROA (%) Range Over the Past 10 Years
Min: 0.51  Med: 1.03 Max: 1.72
Current: 0.93
0.51
1.72
Revenue Growth (3Y)(%) 3.20
NAS:CFFI's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:CFFI: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:CFFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.3  Med: 9.7 Max: 47.3
Current: 3.2
-11.3
47.3
EBITDA Growth (3Y)(%) -9.70
NAS:CFFI's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:CFFI: -9.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:CFFI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.7  Med: 4.95 Max: 40.9
Current: -9.7
-23.7
40.9
EPS Growth (3Y)(%) -8.90
NAS:CFFI's EPS Growth (3Y)(%) is ranked lower than
83% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:CFFI: -8.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:CFFI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.1  Med: 2.8 Max: 50
Current: -8.9
-27.1
50
» NAS:CFFI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-27)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

CFFI Guru Trades in Q3 2015

Jim Simons 70,800 sh (+1.87%)
» More
Q4 2015

CFFI Guru Trades in Q4 2015

Jim Simons 71,700 sh (+1.27%)
» More
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
» Details

Insider Trades

Latest Guru Trades with CFFI

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:OSHC, NAS:SHBI, NAS:CFNB, NAS:UNB, NAS:PVBC, NAS:WFD, OTCPK:FNBG, OTCBB:FKYS, NAS:FRBK, OTCBB:FVCB, OTCPK:EXSR, NAS:SONA, NAS:CUBN, NAS:CHMG, NAS:FCFP, NAS:ACNB, NAS:PFBI, OTCBB:CZFS, NAS:INBK, NAS:BYLK » 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
P/E(ttm) 11.40
CFFI's P/E(ttm) is ranked higher than
60% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. CFFI: 11.40 )
Ranked among companies with meaningful P/E(ttm) only.
CFFI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.02  Med: 10.66 Max: 14.78
Current: 11.4
6.02
14.78
PE(NRI) 11.40
CFFI's PE(NRI) is ranked higher than
60% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. CFFI: 11.40 )
Ranked among companies with meaningful PE(NRI) only.
CFFI' s PE(NRI) Range Over the Past 10 Years
Min: 6.02  Med: 10.66 Max: 14.78
Current: 11.4
6.02
14.78
Price/Owner Earnings (ttm) 10.70
CFFI's Price/Owner Earnings (ttm) is ranked higher than
60% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. CFFI: 10.70 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CFFI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.01  Med: 9.8 Max: 102.91
Current: 10.7
4.01
102.91
P/B 1.05
CFFI's P/B is ranked lower than
51% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CFFI: 1.05 )
Ranked among companies with meaningful P/B only.
CFFI' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.02 Max: 2.15
Current: 1.05
0.45
2.15
P/S 1.42
CFFI's P/S is ranked higher than
83% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CFFI: 1.42 )
Ranked among companies with meaningful P/S only.
CFFI' s P/S Range Over the Past 10 Years
Min: 0.52  Med: 1.3 Max: 2.28
Current: 1.42
0.52
2.28
PFCF 3.88
CFFI's PFCF is ranked higher than
76% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. CFFI: 3.88 )
Ranked among companies with meaningful PFCF only.
CFFI' s PFCF Range Over the Past 10 Years
Min: 1.1  Med: 3.39 Max: 361.71
Current: 3.88
1.1
361.71
POCF 3.67
CFFI's POCF is ranked higher than
74% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. CFFI: 3.67 )
Ranked among companies with meaningful POCF only.
CFFI' s POCF Range Over the Past 10 Years
Min: 1.08  Med: 3.33 Max: 184.68
Current: 3.67
1.08
184.68
EV-to-EBIT 12.88
CFFI's EV-to-EBIT is ranked higher than
50% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. CFFI: 12.88 )
Ranked among companies with meaningful EV-to-EBIT only.
CFFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 12.7 Max: 51.5
Current: 12.88
4.5
51.5
EV-to-EBITDA 11.28
CFFI's EV-to-EBITDA is ranked higher than
51% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. CFFI: 11.28 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 11.35 Max: 34.4
Current: 11.28
4
34.4
PEG 3.17
CFFI's PEG is ranked lower than
80% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CFFI: 3.17 )
Ranked among companies with meaningful PEG only.
CFFI' s PEG Range Over the Past 10 Years
Min: 0.26  Med: 0.69 Max: 8.39
Current: 3.17
0.26
8.39
Shiller P/E 12.72
CFFI's Shiller P/E is ranked higher than
78% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. CFFI: 12.72 )
Ranked among companies with meaningful Shiller P/E only.
CFFI' s Shiller P/E Range Over the Past 10 Years
Min: 4.06  Med: 10.36 Max: 17.06
Current: 12.72
4.06
17.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.99
CFFI's Dividend Yield is ranked higher than
52% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CFFI: 2.99 )
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: 2.99
1.98
10.6
Dividend Payout 0.33
CFFI's Dividend Payout is ranked higher than
50% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFFI: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
CFFI' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.3 Max: 3.1
Current: 0.33
0.18
3.1
Dividend Growth (3y) 4.10
CFFI's Dividend Growth (3y) is ranked lower than
65% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. CFFI: 4.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CFFI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 5.6 Max: 17.3
Current: 4.1
0
17.3
Forward Dividend Yield 2.99
CFFI's Forward Dividend Yield is ranked lower than
53% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. CFFI: 2.99 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.74
CFFI's Yield on cost (5-Year) is ranked higher than
54% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFFI: 3.74 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFFI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.48  Med: 4.13 Max: 13.27
Current: 3.74
2.48
13.27
3-Year Average Share Buyback Ratio -1.80
CFFI's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFFI: -1.80 )
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: -1.8
-22.1
5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
CFFI's Price/Tangible Book is ranked lower than
55% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFFI: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
CFFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.59  Med: 1.53 Max: 2.92
Current: 1.21
0.59
2.92
Price/Projected FCF 0.39
CFFI's Price/Projected FCF is ranked higher than
80% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CFFI: 0.39 )
Ranked among companies with meaningful Price/Projected FCF only.
CFFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.37 Max: 7.81
Current: 0.39
0.17
7.81
Price/Median PS Value 1.09
CFFI's Price/Median PS Value is ranked lower than
57% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFFI: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
CFFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.5 Max: 4.91
Current: 1.09
0.47
4.91
Price/Graham Number 0.78
CFFI's Price/Graham Number is ranked higher than
57% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CFFI: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
CFFI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 0.81 Max: 1.29
Current: 0.78
0.48
1.29
Earnings Yield (Greenblatt) (%) 7.80
CFFI's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CFFI: 7.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFFI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.9 Max: 22
Current: 7.8
1.9
22
Forward Rate of Return (Yacktman) (%) 11.03
CFFI's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CFFI: 11.03 )
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: 6.4  Med: 23.4 Max: 56.3
Current: 11.03
6.4
56.3

More Statistics

Revenue (TTM) (Mil) $103.2
EPS (TTM) $ 3.76
Beta0.88
Short Percentage of Float2.17%
52-Week Range $34.60 - 47.00
Shares Outstanding (Mil)3.46
» More Articles for NAS: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 

More From Other Websites
C & F FINANCIAL CORP Files SEC form 8-K, Other Events Aug 17 2016
C & F FINANCIAL CORP Financials Aug 17 2016
C&F Financial Corporation Declares Quarterly Dividend Aug 17 2016
C&F Financial Corporation Declares Quarterly Dividend Aug 17 2016
C & F FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 08 2016
C & F FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 26 2016
C&F posts 2Q profit Jul 26 2016
C&F posts 2Q profit Jul 26 2016
C&F Financial Corporation Announces Record Second Quarter Net Income Jul 26 2016
C&F Financial Corporation Announces Record Second Quarter Net Income Jul 26 2016
C&F Bank Creates New Charlottesville-Based Commercial Lending Team Jul 12 2016
C&F Bank Creates New Charlottesville-Based Commercial Lending Team Jul 12 2016
C&F Financial Corporation Announces Election of New Director to C&F Bank’s Board of Directors Jun 22 2016
C&F Financial Corporation Announces Election of New Director to C&F Bank’s Board of Directors Jun 01 2016
C & F FINANCIAL CORP Files SEC form 8-K, Other Events May 18 2016
C&F Financial Corporation Declares Quarterly Dividend and Reauthorizes Share Repurchase Program May 18 2016
C & F FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 09 2016
C&F Financial Corp. :CFFI-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
C & F FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 26 2016
C&F Financial Corporation Announces First Quarter Net Income Apr 26 2016

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