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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 0.90
CFFI's Cash to Debt is ranked lower than
62% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CFFI: 0.90 )
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: 1.74
Current: 0.9
0.05
1.74
Equity to Asset 0.10
CFFI's Equity to Asset is ranked higher than
51% of the 1660 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: 0.10 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 1.90
CFFI's Interest Coverage is ranked higher than
54% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CFFI: 1.90 )
Ranked among companies with meaningful Interest Coverage only.
CFFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 1.26 Max: 2.45
Current: 1.9
0.22
2.45
F-Score: 4
M-Score: -2.44
WACC vs ROIC
5.85%
8.19%
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 (%) 16.94
CFFI's Operating margin (%) is ranked lower than
80% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. CFFI: 16.94 )
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: 26.01
Current: 16.94
7.07
26.01
Net-margin (%) 12.30
CFFI's Net-margin (%) is ranked lower than
81% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. CFFI: 12.30 )
Ranked among companies with meaningful Net-margin (%) only.
CFFI' s Net-margin (%) Range Over the Past 10 Years
Min: 6.16  Med: 12.66 Max: 17.97
Current: 12.3
6.16
17.97
ROE (%) 9.56
CFFI's ROE (%) is ranked higher than
58% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. CFFI: 9.56 )
Ranked among companies with meaningful ROE (%) only.
CFFI' s ROE (%) Range Over the Past 10 Years
Min: 5.72  Med: 11.47 Max: 18.94
Current: 9.56
5.72
18.94
ROA (%) 0.89
CFFI's ROA (%) is ranked higher than
50% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CFFI: 0.89 )
Ranked among companies with meaningful ROA (%) only.
CFFI' s ROA (%) Range Over the Past 10 Years
Min: 0.51  Med: 1.03 Max: 1.72
Current: 0.89
0.51
1.72
Revenue Growth (3Y)(%) -1.40
CFFI's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFFI: -1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.3  Med: 9.70 Max: 47.8
Current: -1.4
-11.3
47.8
EBITDA Growth (3Y)(%) -9.70
CFFI's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFFI: -9.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFFI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.5  Med: 4.95 Max: 40.5
Current: -9.7
-23.5
40.5
EPS Growth (3Y)(%) -8.80
CFFI's EPS Growth (3Y)(%) is ranked lower than
83% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFFI: -8.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFFI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27  Med: 2.80 Max: 49.9
Current: -8.8
-27
49.9
» CFFI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

CFFI Guru Trades in Q1 2015

Jim Simons 67,800 sh (-5.17%)
» More
Q2 2015

CFFI Guru Trades in Q2 2015

Jim Simons 69,500 sh (+2.51%)
» More
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
» 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) 10.81
CFFI's P/E(ttm) is ranked higher than
60% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFFI: 10.81 )
Ranked among companies with meaningful P/E(ttm) only.
CFFI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.03  Med: 10.61 Max: 14.81
Current: 10.81
6.03
14.81
PE(NRI) 10.81
CFFI's PE(NRI) is ranked higher than
60% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFFI: 10.81 )
Ranked among companies with meaningful PE(NRI) only.
CFFI' s PE(NRI) Range Over the Past 10 Years
Min: 6.03  Med: 10.61 Max: 14.78
Current: 10.81
6.03
14.78
Price/Owner Earnings (ttm) 10.17
CFFI's Price/Owner Earnings (ttm) is ranked higher than
61% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CFFI: 10.17 )
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: 9.18 Max: 102.91
Current: 10.17
4.01
102.91
P/B 1.01
CFFI's P/B is ranked higher than
53% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFFI: 1.01 )
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: 2.25
Current: 1.01
0.45
2.25
P/S 1.34
CFFI's P/S is ranked higher than
84% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CFFI: 1.34 )
Ranked among companies with meaningful P/S only.
CFFI' s P/S Range Over the Past 10 Years
Min: 0.52  Med: 1.30 Max: 2.46
Current: 1.34
0.52
2.46
PFCF 9.76
CFFI's PFCF is ranked higher than
56% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. CFFI: 9.76 )
Ranked among companies with meaningful PFCF only.
CFFI' s PFCF Range Over the Past 10 Years
Min: 1.1  Med: 3.43 Max: 361.71
Current: 9.76
1.1
361.71
POCF 8.61
CFFI's POCF is ranked higher than
54% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CFFI: 8.61 )
Ranked among companies with meaningful POCF only.
CFFI' s POCF Range Over the Past 10 Years
Min: 1.08  Med: 3.36 Max: 184.68
Current: 8.61
1.08
184.68
EV-to-EBIT 9.15
CFFI's EV-to-EBIT is ranked higher than
70% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CFFI: 9.15 )
Ranked among companies with meaningful EV-to-EBIT only.
CFFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 12.70 Max: 51.5
Current: 9.15
4.5
51.5
EV-to-EBITDA 7.99
CFFI's EV-to-EBITDA is ranked higher than
72% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. CFFI: 7.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 11.45 Max: 34.4
Current: 7.99
4
34.4
PEG 3.21
CFFI's PEG is ranked lower than
81% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CFFI: 3.21 )
Ranked among companies with meaningful PEG only.
CFFI' s PEG Range Over the Past 10 Years
Min: 0.26  Med: 0.68 Max: 8.41
Current: 3.21
0.26
8.41
Shiller P/E 11.67
CFFI's Shiller P/E is ranked higher than
82% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. CFFI: 11.67 )
Ranked among companies with meaningful Shiller P/E only.
CFFI' s Shiller P/E Range Over the Past 10 Years
Min: 4.08  Med: 10.22 Max: 17.11
Current: 11.67
4.08
17.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.18
CFFI's Dividend Yield is ranked higher than
54% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFFI: 3.18 )
Ranked among companies with meaningful Dividend Yield only.
CFFI' s Dividend Yield Range Over the Past 10 Years
Min: 1.98  Med: 3.30 Max: 10.6
Current: 3.18
1.98
10.6
Dividend Payout 0.33
CFFI's Dividend Payout is ranked higher than
52% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFFI: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
CFFI' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.30 Max: 0.91
Current: 0.33
0.21
0.91
Dividend Growth (3y) 4.10
CFFI's Dividend Growth (3y) is ranked lower than
64% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 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: 5.60 Max: 17.3
Current: 4.1
0
17.3
Forward Dividend Yield 3.28
CFFI's Forward Dividend Yield is ranked higher than
52% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. CFFI: 3.28 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.98
CFFI's Yield on cost (5-Year) is ranked higher than
58% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFFI: 3.98 )
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: 3.98
2.48
13.27
3-Year Average Share Buyback Ratio -1.00
CFFI's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFFI: -1.00 )
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: -23  Med: -1.00 Max: 5.4
Current: -1
-23
5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
CFFI's Price/Tangible Book is ranked higher than
57% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFFI: 1.01 )
Ranked among companies with meaningful Price/Tangible Book only.
CFFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.75  Med: 1.61 Max: 2.55
Current: 1.01
0.75
2.55
Price/Projected FCF 0.39
CFFI's Price/Projected FCF is ranked higher than
80% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 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: 1.98
Current: 0.39
0.17
1.98
Price/Median PS Value 1.03
CFFI's Price/Median PS Value is ranked lower than
52% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFFI: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
CFFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.39 Max: 4.91
Current: 1.03
0.52
4.91
Price/Graham Number 0.74
CFFI's Price/Graham Number is ranked higher than
59% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CFFI: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
CFFI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.56  Med: 0.83 Max: 1.2
Current: 0.74
0.56
1.2
Earnings Yield (Greenblatt) (%) 10.90
CFFI's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFFI: 10.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFFI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.90 Max: 22
Current: 10.9
1.9
22
Forward Rate of Return (Yacktman) (%) 26.53
CFFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. CFFI: 26.53 )
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: 23.10 Max: 56.3
Current: 26.53
6.4
56.3

More Statistics

Revenue(Mil) $100
EPS $ 3.61
Beta0.91
Short Percentage of Float0.32%
52-Week Range $33.20 - 41.05
Shares Outstanding(Mil)3.45

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:FNLC, NAS:OSBC, NAS:FFKT, NAS:FMBH, NAS:MBVT » details
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.
» More Articles for CFFI

Headlines

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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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