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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 1.00
CFFI's Cash to Debt is ranked higher than
69% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. CFFI: 1.00 )
CFFI' s 10-Year Cash to Debt Range
Min: 0.05   Max: 1.74
Current: 1

0.05
1.74
Equity to Asset 0.09
CFFI's Equity to Asset is ranked higher than
61% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CFFI: 0.09 )
CFFI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.09

0.08
0.13
Interest Coverage 2.00
CFFI's Interest Coverage is ranked higher than
75% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CFFI: 2.00 )
CFFI' s 10-Year Interest Coverage Range
Min: 0.22   Max: 2.45
Current: 2

0.22
2.45
F-Score: 5
Z-Score: 0.31
WACC vs ROIC
4.73%
8.81%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 17.51
CFFI's Operating margin (%) is ranked higher than
57% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. CFFI: 17.51 )
CFFI' s 10-Year Operating margin (%) Range
Min: -119.24   Max: 36.22
Current: 17.51

-119.24
36.22
Net-margin (%) 12.66
CFFI's Net-margin (%) is ranked higher than
57% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. CFFI: 12.66 )
CFFI' s 10-Year Net-margin (%) Range
Min: 6.16   Max: 86.24
Current: 12.66

6.16
86.24
ROE (%) 10.38
CFFI's ROE (%) is ranked higher than
81% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. CFFI: 10.38 )
CFFI' s 10-Year ROE (%) Range
Min: 6.43   Max: 21.25
Current: 10.38

6.43
21.25
ROA (%) 0.93
CFFI's ROA (%) is ranked higher than
77% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CFFI: 0.93 )
CFFI' s 10-Year ROA (%) Range
Min: 0.51   Max: 2.3
Current: 0.93

0.51
2.3
ROC (Joel Greenblatt) (%) 44.67
CFFI's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. CFFI: 44.67 )
CFFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.95   Max: 203.03
Current: 44.67

7.95
203.03
Revenue Growth (3Y)(%) 0.40
CFFI's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CFFI: 0.40 )
CFFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.3   Max: 47.3
Current: 0.4

-11.3
47.3
EBITDA Growth (3Y)(%) -4.20
CFFI's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFFI: -4.20 )
CFFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.6   Max: 40.9
Current: -4.2

-23.6
40.9
EPS Growth (3Y)(%) -1.20
CFFI's EPS Growth (3Y)(%) is ranked higher than
61% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CFFI: -1.20 )
CFFI' s 10-Year EPS Growth (3Y)(%) Range
Min: -27.1   Max: 50
Current: -1.2

-27.1
50
» CFFI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CFFI Guru Trades in Q1 2014

Jim Simons 76,860 sh (+1.01%)
» More
Q2 2014

CFFI Guru Trades in Q2 2014

Jim Simons 74,639 sh (-2.89%)
» More
Q3 2014

CFFI Guru Trades in Q3 2014

Jim Simons 63,987 sh (-14.27%)
» More
Q4 2014

CFFI Guru Trades in Q4 2014

Jim Simons 71,500 sh (+11.74%)
» More
» Details

Insider Trades

Latest Guru Trades with CFFI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 9.80
CFFI's P/E(ttm) is ranked higher than
90% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. CFFI: 9.80 )
CFFI' s 10-Year P/E(ttm) Range
Min: 6.02   Max: 14.81
Current: 9.8

6.02
14.81
Forward P/E 5.75
CFFI's Forward P/E is ranked higher than
97% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 5.75 )
N/A
PE(NRI) 10.00
CFFI's PE(NRI) is ranked higher than
92% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. CFFI: 10.00 )
CFFI' s 10-Year PE(NRI) Range
Min: 6.03   Max: 14.78
Current: 10

6.03
14.78
P/B 1.00
CFFI's P/B is ranked higher than
83% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CFFI: 1.00 )
CFFI' s 10-Year P/B Range
Min: 0.45   Max: 2.56
Current: 1

0.45
2.56
P/S 1.30
CFFI's P/S is ranked higher than
94% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. CFFI: 1.30 )
CFFI' s 10-Year P/S Range
Min: 0.53   Max: 2.62
Current: 1.3

0.53
2.62
PFCF 3.70
CFFI's PFCF is ranked higher than
93% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 3.70 )
CFFI' s 10-Year PFCF Range
Min: 1.1   Max: 334.58
Current: 3.7

1.1
334.58
POCF 3.61
CFFI's POCF is ranked higher than
93% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. CFFI: 3.61 )
CFFI' s 10-Year POCF Range
Min: 1.08   Max: 292.86
Current: 3.61

1.08
292.86
EV-to-EBIT 7.06
CFFI's EV-to-EBIT is ranked higher than
94% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. CFFI: 7.06 )
CFFI' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 51.9
Current: 7.06

4.7
51.9
PEG 0.69
CFFI's PEG is ranked higher than
96% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 0.69 )
CFFI' s 10-Year PEG Range
Min: 0.25   Max: 13.87
Current: 0.69

0.25
13.87
Shiller P/E 10.20
CFFI's Shiller P/E is ranked higher than
95% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 10.20 )
CFFI' s 10-Year Shiller P/E Range
Min: 3.74   Max: 19.1
Current: 10.2

3.74
19.1
Days Sales Outstanding 24.03
CFFI's Days Sales Outstanding is ranked higher than
93% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 24.03 )
CFFI' s 10-Year Days Sales Outstanding Range
Min: 15.98   Max: 175.95
Current: 24.03

15.98
175.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.40
CFFI's Dividend Yield is ranked higher than
70% of the 2193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. CFFI: 3.40 )
CFFI' s 10-Year Dividend Yield Range
Min: 1.98   Max: 10.6
Current: 3.4

1.98
10.6
Dividend Payout 0.33
CFFI's Dividend Payout is ranked higher than
80% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CFFI: 0.33 )
CFFI' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.91
Current: 0.33

0.21
0.91
Dividend growth (3y) 5.60
CFFI's Dividend growth (3y) is ranked higher than
75% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFFI: 5.60 )
CFFI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 17.3
Current: 5.6

0
17.3
Yield on cost (5-Year) 3.98
CFFI's Yield on cost (5-Year) is ranked higher than
70% of the 2203 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CFFI: 3.98 )
CFFI' s 10-Year Yield on cost (5-Year) Range
Min: 2.32   Max: 12.41
Current: 3.98

2.32
12.41
Share Buyback Rate -2.70
CFFI's Share Buyback Rate is ranked higher than
68% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CFFI: -2.70 )
CFFI' s 10-Year Share Buyback Rate Range
Min: 5.4   Max: -23
Current: -2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
CFFI's Price/Tangible Book is ranked higher than
81% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CFFI: 1.10 )
CFFI' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 2.91
Current: 1.1

0.59
2.91
Price/DCF (Projected) 0.30
CFFI's Price/DCF (Projected) is ranked higher than
96% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 0.30 )
CFFI' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 2.94
Current: 0.3

0.18
2.94
Price/Median PS Value 0.90
CFFI's Price/Median PS Value is ranked higher than
92% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CFFI: 0.90 )
CFFI' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 4.73
Current: 0.9

0.5
4.73
Price/Peter Lynch Fair Value 0.60
CFFI's Price/Peter Lynch Fair Value is ranked higher than
97% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFFI: 0.60 )
CFFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 1.47
Current: 0.6

0.32
1.47
Price/Graham Number 0.70
CFFI's Price/Graham Number is ranked higher than
88% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFFI: 0.70 )
CFFI' s 10-Year Price/Graham Number Range
Min: 0.54   Max: 1.16
Current: 0.7

0.54
1.16
Earnings Yield (Greenblatt) 14.60
CFFI's Earnings Yield (Greenblatt) is ranked higher than
91% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFFI: 14.60 )
CFFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 21.4
Current: 14.6

1.9
21.4
Forward Rate of Return (Yacktman) 36.84
CFFI's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.52 vs. CFFI: 36.84 )
CFFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.2   Max: 58.3
Current: 36.84

3.2
58.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
C&F Financial Corp is a bank holding company that was 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 large 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 st
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