Switch to:

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 0.04
CFNL's Cash to Debt is ranked lower than
97% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. CFNL: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
CFNL' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.07 Max: No Debt
Current: 0.04
Equity to Asset 0.11
CFNL's Equity to Asset is ranked higher than
61% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNL: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
CFNL' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.99
Current: 0.11
0.06
0.99
Interest Coverage 2.76
CFNL's Interest Coverage is ranked higher than
65% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CFNL: 2.76 )
Ranked among companies with meaningful Interest Coverage only.
CFNL' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 1.73 Max: 2.97
Current: 2.76
0.09
2.97
F-Score: 3
M-Score: -2.30
WACC vs ROIC
6.70%
5.69%
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 (%) 41.21
CFNL's Operating margin (%) is ranked higher than
74% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CFNL: 41.21 )
Ranked among companies with meaningful Operating margin (%) only.
CFNL' s Operating margin (%) Range Over the Past 10 Years
Min: -1.03  Med: 29.13 Max: 44.01
Current: 41.21
-1.03
44.01
Net-margin (%) 27.45
CFNL's Net-margin (%) is ranked higher than
66% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. CFNL: 27.45 )
Ranked among companies with meaningful Net-margin (%) only.
CFNL' s Net-margin (%) Range Over the Past 10 Years
Min: 0.47  Med: 20.00 Max: 29.34
Current: 27.45
0.47
29.34
ROE (%) 11.49
CFNL's ROE (%) is ranked higher than
71% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. CFNL: 11.49 )
Ranked among companies with meaningful ROE (%) only.
CFNL' s ROE (%) Range Over the Past 10 Years
Min: 0.18  Med: 8.38 Max: 16.01
Current: 11.49
0.18
16.01
ROA (%) 1.22
CFNL's ROA (%) is ranked higher than
71% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFNL: 1.22 )
Ranked among companies with meaningful ROA (%) only.
CFNL' s ROA (%) Range Over the Past 10 Years
Min: 0.02  Med: 0.89 Max: 1.61
Current: 1.22
0.02
1.61
Revenue Growth (3Y)(%) -0.40
CFNL's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CFNL: -0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFNL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.4  Med: 10.20 Max: 155.6
Current: -0.4
-14.4
155.6
EBITDA Growth (3Y)(%) -1.50
CFNL's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. CFNL: -1.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFNL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.20 Max: 161.3
Current: -1.5
0
161.3
EPS Growth (3Y)(%) -1.90
CFNL's EPS Growth (3Y)(%) is ranked lower than
74% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNL: -1.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -69.9  Med: 8.00 Max: 327.9
Current: -1.9
-69.9
327.9
» CFNL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-21)


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

» Details

Guru Trades

Q2 2015

CFNL Guru Trades in Q2 2015

Jim Simons 89,500 sh (+72.78%)
Mairs and Power 238,406 sh (+3.51%)
» More
Q3 2015

CFNL Guru Trades in Q3 2015

Jim Simons 174,500 sh (+94.97%)
Mairs and Power 253,706 sh (+6.42%)
» More
Q4 2015

CFNL Guru Trades in Q4 2015

Jim Simons 280,300 sh (+60.63%)
Mairs and Power 256,906 sh (+1.26%)
» More
Q1 2016

CFNL Guru Trades in Q1 2016

David Dreman 112 sh (New)
Mairs and Power 301,206 sh (+17.24%)
Jim Simons 236,400 sh (-15.66%)
» More
» Details

Insider Trades

Latest Guru Trades with CFNL

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:NFBK, NYSE:CPF, NAS:ORIT, NAS:SASR, NAS:CHCO, NAS:STBZ, NYSE:CUBI, NAS:IBTX, NAS:CSFL, NAS:HAFC, NAS:PPBI, NAS:BRKL, NAS:WASH, NAS:SYBT, NAS:LKFN, NAS:SBSI, NAS:TCBK, NYSE:FCF, OTCPK:FMBL, NAS:BUSE » details
Cardinal Financial Corporation through its subsidiaries provides financial products and services. The Company offers home mortgages to small business loan, a personal checking account, wealth management services or corporate cash management relationship.

Cardinal Financial Corporation was incorporated under the laws of Virginia as a financial holding Company on June, 25, 2003. The Company's activities consist of investments in its wholly-owned subsidiaries. The main operating subsidiary of the company is Cardinal Bank. Cardinal Bank offers a range of traditional bank loan and deposit products and services to both its commercial and retail customers. The Company's commercial relationship managers attract small and medium sized businesses as well as government contractors, commercial real estate developers and builders and professionals, such as physicians, accountants and attorneys. The Company operates in three business segments, commercial banking, mortgage banking and wealth management and trust services. The commercial banking segment includes both commercial and consumer lending and provides customers such products as commercial loans, real estate loans, and other business financing and consumer loans. In addition, this segment provides customers with several choices of deposit products, including demand deposit accounts, savings accounts and certificates of deposit. The mortgage banking segment engages mainly in the origination and acquisition of residential mortgages for sale into the secondary market on a efforts basis. The wealth management and trust services segment provides investment and financial advisory services to businesses and individuals, including financial planning, retirement/estate planning, trust, estates, custody, investment management, escrows, and retirement plans. The Company competes as a financial intermediary with other commercial banks, savings and loan associations, savings banks, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, mutual fund groups and other types of financial institutions. The Bank is subject to regulation, supervision and examination by the Bureau of Financial Institutions of the Virginia State Corporation Commission. The Bank and its also are subject to regulation, supervision and examination by the Federal Deposit Insurance Corporation.

Ratios

vs
industry
vs
history
P/E(ttm) 14.72
CFNL's P/E(ttm) is ranked lower than
65% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CFNL: 14.72 )
Ranked among companies with meaningful P/E(ttm) only.
CFNL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.45  Med: 20.71 Max: 781.25
Current: 14.72
9.45
781.25
Forward P/E 14.95
CFNL's Forward P/E is ranked lower than
77% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CFNL: 14.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.72
CFNL's PE(NRI) is ranked lower than
65% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CFNL: 14.72 )
Ranked among companies with meaningful PE(NRI) only.
CFNL' s PE(NRI) Range Over the Past 10 Years
Min: 9.44  Med: 20.66 Max: 625
Current: 14.72
9.44
625
Price/Owner Earnings (ttm) 15.24
CFNL's Price/Owner Earnings (ttm) is ranked lower than
68% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. CFNL: 15.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CFNL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.73  Med: 12.43 Max: 52.39
Current: 15.24
0.73
52.39
P/B 1.59
CFNL's P/B is ranked lower than
83% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CFNL: 1.59 )
Ranked among companies with meaningful P/B only.
CFNL' s P/B Range Over the Past 10 Years
Min: 0.74  Med: 1.50 Max: 2.2
Current: 1.59
0.74
2.2
P/S 4.02
CFNL's P/S is ranked lower than
76% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CFNL: 4.02 )
Ranked among companies with meaningful P/S only.
CFNL' s P/S Range Over the Past 10 Years
Min: 1.99  Med: 3.59 Max: 4.88
Current: 4.02
1.99
4.88
POCF 1717.51
CFNL's POCF is ranked lower than
100% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CFNL: 1717.51 )
Ranked among companies with meaningful POCF only.
CFNL' s POCF Range Over the Past 10 Years
Min: 0.71  Med: 4.56 Max: 1895.83
Current: 1717.51
0.71
1895.83
EV-to-EBIT 15.51
CFNL's EV-to-EBIT is ranked lower than
62% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CFNL: 15.51 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s EV-to-EBIT Range Over the Past 10 Years
Min: -1927.4  Med: 26.80 Max: 146662.1
Current: 15.51
-1927.4
146662.1
EV-to-EBITDA 14.81
CFNL's EV-to-EBITDA is ranked lower than
64% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. CFNL: 14.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.2  Med: 24.80 Max: 318.6
Current: 14.81
11.2
318.6
PEG 1.32
CFNL's PEG is ranked lower than
58% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CFNL: 1.32 )
Ranked among companies with meaningful PEG only.
CFNL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.90 Max: 16.77
Current: 1.32
0.1
16.77
Shiller P/E 26.20
CFNL's Shiller P/E is ranked lower than
82% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. CFNL: 26.20 )
Ranked among companies with meaningful Shiller P/E only.
CFNL' s Shiller P/E Range Over the Past 10 Years
Min: 24.02  Med: 29.36 Max: 541.5
Current: 26.2
24.02
541.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.24
CFNL's Dividend Yield is ranked lower than
69% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CFNL: 2.24 )
Ranked among companies with meaningful Dividend Yield only.
CFNL' s Dividend Yield Range Over the Past 10 Years
Min: 0.08  Med: 0.80 Max: 2.41
Current: 2.24
0.08
2.41
Dividend Payout 0.32
CFNL's Dividend Payout is ranked higher than
53% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFNL: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
CFNL' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.15 Max: 1
Current: 0.32
0.08
1
Dividend Growth (3y) 30.10
CFNL's Dividend Growth (3y) is ranked higher than
84% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CFNL: 30.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CFNL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 71
Current: 30.1
0
71
Forward Dividend Yield 2.23
CFNL's Forward Dividend Yield is ranked lower than
72% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CFNL: 2.23 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 11.60
CFNL's Yield on cost (5-Year) is ranked higher than
90% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CFNL: 11.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFNL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.43  Med: 4.32 Max: 13.01
Current: 11.6
0.43
13.01
3-Year Average Share Buyback Ratio -2.30
CFNL's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CFNL: -2.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFNL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -62.7  Med: -6.25 Max: 0.4
Current: -2.3
-62.7
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
CFNL's Price/Tangible Book is ranked lower than
81% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CFNL: 1.79 )
Ranked among companies with meaningful Price/Tangible Book only.
CFNL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.47 Max: 2.56
Current: 1.79
0.62
2.56
Price/Projected FCF 4.46
CFNL's Price/Projected FCF is ranked lower than
98% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. CFNL: 4.46 )
Ranked among companies with meaningful Price/Projected FCF only.
CFNL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.5  Med: 4.03 Max: 1089.5
Current: 4.46
0.5
1089.5
Price/Median PS Value 1.17
CFNL's Price/Median PS Value is ranked lower than
73% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CFNL: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
CFNL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.03 Max: 5.67
Current: 1.17
0.37
5.67
Price/Peter Lynch Fair Value 1.72
CFNL's Price/Peter Lynch Fair Value is ranked lower than
83% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CFNL: 1.72 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CFNL' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.4  Med: 1.08 Max: 4.44
Current: 1.72
0.4
4.44
Price/Graham Number 1.11
CFNL's Price/Graham Number is ranked lower than
76% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CFNL: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
CFNL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.7  Med: 1.28 Max: 4.91
Current: 1.11
0.7
4.91
Earnings Yield (Greenblatt) (%) 6.48
CFNL's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CFNL: 6.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.70 Max: 8.6
Current: 6.48
0.3
8.6
Forward Rate of Return (Yacktman) (%) 6.87
CFNL's Forward Rate of Return (Yacktman) (%) is ranked lower than
66% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. CFNL: 6.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CFNL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -73.9  Med: 6.60 Max: 92.4
Current: 6.87
-73.9
92.4

More Statistics

Revenue (TTM) (Mil) $170.0
EPS (TTM) $ 1.40
Beta0.98
Short Percentage of Float2.32%
52-Week Range $17.51 - 24.99
Shares Outstanding (Mil)32.42

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.44 1.65
EPS w/o NRI ($) 1.44 1.65
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for CFNL

Headlines

Articles On GuruFocus.com
Cardinal Financial Reports Insider Cluster Buy and Quarterly Dividend Increase Apr 25 2013 
My Four Favorite Stocks With Recent Dividend Growth Apr 21 2013 
The Best Stocks With Dividend Growth From Last Week (April 16 – April 22, 2012) Apr 22 2012 
Cardinal Financial Corp. Reports Operating Results (10-K) Mar 14 2011 
28 Dividend Stocks Acting Like a Money Machine Jan 31 2011 
Cardinal Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Cardinal Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Cardinal Financial Corp. (CFNL) Chairman and CEO Bernard H Clineburg sells 30,000 Shares May 24 2010 
Cardinal Financial Corp. Reports Operating Results (10-Q) May 10 2010 
Cardinal Financial Corp. (CFNL) Chairman and CEO Bernard H Clineburg sells 15,000 Shares Dec 15 2009 

More From Other Websites
Cardinal Financial Corp. breached its 50 day moving average in a Bearish Manner : CFNL-US : June 27,... Jun 27 2016
George Mason Mortgage Ranked as one of the Nation’s Top Mortgage Lenders Jun 08 2016
The Zacks Analyst Blog Highlights: First Bancorp, Cardinal Financial, Monarch Financial Holdings,... May 31 2016
5 Best Southeast U.S. Bank Stocks of the Region May 27 2016
If the Fed Raises Interest Rates, Buy These 3 Banking Stocks May 25 2016
CARDINAL FINANCIAL CORP Financials May 14 2016
CARDINAL FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
Amazon's business marketplace hits $1 billion in sales May 04 2016
CARDINAL FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 02 2016
ETF’s with exposure to Cardinal Financial Corp. : April 27, 2016 Apr 27 2016
Cardinal Financial Corp. :CFNL-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 26 2016
CARDINAL FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 21 2016
Cardinal Financial Corporation Declares Quarterly Dividend Apr 21 2016
Cardinal Financial Corporation Declares Quarterly Dividend Apr 21 2016
Cardinal Financial Q1 Profit Falls 4.4%, But EPS Tops Expectations Apr 20 2016
Cardinal Financial tops Street 1Q forecasts Apr 20 2016
Cardinal Financial tops Street 1Q forecasts Apr 20 2016
Cardinal Announces First Quarter 2016 Earnings Apr 20 2016
Cardinal Announces First Quarter 2016 Earnings Apr 20 2016
Q1 2016 Cardinal Financial Corp Earnings Release - Time Not Supplied Apr 20 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)