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 : 6/10

vs
industry
vs
history
Cash to Debt 0.06
CFNL's Cash to Debt is ranked lower than
95% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CFNL: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
CFNL' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.07 Max: No Debt
Current: 0.06
Equity to Asset 0.11
CFNL's Equity to Asset is ranked higher than
62% of the 1355 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.99
Current: 0.11
0.06
0.99
Interest Coverage 2.30
CFNL's Interest Coverage is ranked higher than
61% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CFNL: 2.30 )
Ranked among companies with meaningful Interest Coverage only.
CFNL' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.73 Max: 9999.99
Current: 2.3
0.09
9999.99
F-Score: 4
WACC vs ROIC
6.78%
6.11%
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 (%) 43.05
CFNL's Operating margin (%) is ranked higher than
77% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CFNL: 43.05 )
Ranked among companies with meaningful Operating margin (%) only.
CFNL' s 10-Year Operating margin (%) Range
Min: -103.07  Med: 16.01 Max: 44.01
Current: 43.05
-103.07
44.01
Net-margin (%) 28.78
CFNL's Net-margin (%) is ranked higher than
69% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CFNL: 28.78 )
Ranked among companies with meaningful Net-margin (%) only.
CFNL' s 10-Year Net-margin (%) Range
Min: -141.67  Med: 10.97 Max: 32.39
Current: 28.78
-141.67
32.39
ROE (%) 12.43
CFNL's ROE (%) is ranked higher than
73% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CFNL: 12.43 )
Ranked among companies with meaningful ROE (%) only.
CFNL' s 10-Year ROE (%) Range
Min: -48.33  Med: 4.86 Max: 16.01
Current: 12.43
-48.33
16.01
ROA (%) 1.37
CFNL's ROA (%) is ranked higher than
77% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFNL: 1.37 )
Ranked among companies with meaningful ROA (%) only.
CFNL' s 10-Year ROA (%) Range
Min: -5.23  Med: 0.48 Max: 1.61
Current: 1.37
-5.23
1.61
Revenue Growth (3Y)(%) 5.50
CFNL's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CFNL: 5.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFNL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.4  Med: 10.90 Max: 155.4
Current: 5.5
-14.4
155.4
EBITDA Growth (3Y)(%) 2.40
CFNL's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CFNL: 2.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFNL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 2.10 Max: 166.3
Current: 2.4
0
166.3
EPS Growth (3Y)(%) 2.10
CFNL's EPS Growth (3Y)(%) is ranked lower than
69% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CFNL: 2.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNL' s 10-Year EPS Growth (3Y)(%) Range
Min: -71.7  Med: 8.50 Max: 354.7
Current: 2.1
-71.7
354.7
» CFNL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CFNL Guru Trades in Q1 2014

Jim Simons Sold Out
» More
Q4 2014

CFNL Guru Trades in Q4 2014

Bill Frels 113,616 sh (New)
Jim Simons 17,900 sh (New)
» More
Q1 2015

CFNL Guru Trades in Q1 2015

Jim Simons 51,800 sh (+189.39%)
Bill Frels 230,316 sh (+102.71%)
» More
Q2 2015

CFNL Guru Trades in Q2 2015

Jim Simons 89,500 sh (+72.78%)
Bill Frels 238,406 sh (+3.51%)
» 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 )

Ratios

vs
industry
vs
history
P/E(ttm) 15.32
CFNL's P/E(ttm) is ranked lower than
62% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CFNL: 15.32 )
Ranked among companies with meaningful P/E(ttm) only.
CFNL' s 10-Year P/E(ttm) Range
Min: 9.45  Med: 23.86 Max: 781.25
Current: 15.32
9.45
781.25
Forward P/E 14.22
CFNL's Forward P/E is ranked lower than
74% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. CFNL: 14.22 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
CFNL's PE(NRI) is ranked lower than
62% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CFNL: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
CFNL' s 10-Year PE(NRI) Range
Min: 9.44  Med: 23.79 Max: 625
Current: 15.3
9.44
625
P/B 1.74
CFNL's P/B is ranked lower than
87% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CFNL: 1.74 )
Ranked among companies with meaningful P/B only.
CFNL' s 10-Year P/B Range
Min: 0.74  Med: 1.50 Max: 2.2
Current: 1.74
0.74
2.2
P/S 4.44
CFNL's P/S is ranked lower than
78% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CFNL: 4.44 )
Ranked among companies with meaningful P/S only.
CFNL' s 10-Year P/S Range
Min: 2.02  Med: 3.63 Max: 6.31
Current: 4.44
2.02
6.31
EV-to-EBIT 15.12
CFNL's EV-to-EBIT is ranked lower than
57% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CFNL: 15.12 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s 10-Year EV-to-EBIT Range
Min: -1927.4  Med: 30.75 Max: 146662.1
Current: 15.12
-1927.4
146662.1
PEG 0.78
CFNL's PEG is ranked higher than
61% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNL: 0.78 )
Ranked among companies with meaningful PEG only.
CFNL' s 10-Year PEG Range
Min: 0.09  Med: 0.45 Max: 7.08
Current: 0.78
0.09
7.08
Shiller P/E 21.40
CFNL's Shiller P/E is ranked lower than
71% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CFNL: 21.40 )
Ranked among companies with meaningful Shiller P/E only.
CFNL' s 10-Year Shiller P/E Range
Min: 16.8  Med: 25.28 Max: 40.54
Current: 21.4
16.8
40.54
Days Sales Outstanding 106.64
CFNL's Days Sales Outstanding is ranked lower than
77% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CFNL: 106.64 )
Ranked among companies with meaningful Days Sales Outstanding only.
CFNL' s 10-Year Days Sales Outstanding Range
Min: 42.17  Med: 78.91 Max: 16425
Current: 106.64
42.17
16425

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.94
CFNL's Dividend Yield is ranked lower than
68% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CFNL: 1.94 )
Ranked among companies with meaningful Dividend Yield only.
CFNL' s 10-Year Dividend Yield Range
Min: 0.08  Med: 0.72 Max: 1.99
Current: 1.94
0.08
1.99
Dividend Payout 0.28
CFNL's Dividend Payout is ranked higher than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFNL: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
CFNL' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.15 Max: 1
Current: 0.28
0.08
1
Dividend growth (3y) 41.50
CFNL's Dividend growth (3y) is ranked higher than
90% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNL: 41.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
CFNL' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 71
Current: 41.5
0
71
Yield on cost (5-Year) 15.13
CFNL's Yield on cost (5-Year) is ranked higher than
96% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CFNL: 15.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFNL' s 10-Year Yield on cost (5-Year) Range
Min: 0.62  Med: 5.61 Max: 15.52
Current: 15.13
0.62
15.52
Share Buyback Rate -3.30
CFNL's Share Buyback Rate is ranked lower than
57% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CFNL: -3.30 )
Ranked among companies with meaningful Share Buyback Rate only.
CFNL' s 10-Year Share Buyback Rate Range
Min: -1.6  Med: -10.20 Max: -72.1
Current: -3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.97
CFNL's Price/Tangible Book is ranked lower than
86% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFNL: 1.97 )
Ranked among companies with meaningful Price/Tangible Book only.
CFNL' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.46 Max: 2.56
Current: 1.97
0.62
2.56
Price/Projected FCF 1100.00
CFNL's Price/Projected FCF is ranked lower than
100% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CFNL: 1100.00 )
Ranked among companies with meaningful Price/Projected FCF only.
CFNL' s 10-Year Price/Projected FCF Range
Min: 0.5  Med: 3.88 Max: 1089.5
Current: 1100
0.5
1089.5
Price/Median PS Value 1.23
CFNL's Price/Median PS Value is ranked lower than
72% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFNL: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
CFNL' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.01 Max: 8.04
Current: 1.23
0.37
8.04
Price/Peter Lynch Fair Value 1.46
CFNL's Price/Peter Lynch Fair Value is ranked lower than
75% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CFNL: 1.46 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CFNL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4  Med: 0.98 Max: 6.75
Current: 1.46
0.4
6.75
Price/Graham Number 1.15
CFNL's Price/Graham Number is ranked lower than
77% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CFNL: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
CFNL' s 10-Year Price/Graham Number Range
Min: 0.7  Med: 1.39 Max: 4.52
Current: 1.15
0.7
4.52
Earnings Yield (Greenblatt) (%) 6.61
CFNL's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CFNL: 6.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 3.20 Max: 8.6
Current: 6.61
0.3
8.6
Forward Rate of Return (Yacktman) (%) 7.77
CFNL's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CFNL: 7.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CFNL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -80.6  Med: -7.30 Max: 92.1
Current: 7.77
-80.6
92.1

Analyst Estimate

Dec15 Dec16
EPS($) 1.52 1.55
EPS without NRI($) 1.52 1.55

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 best 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 primarily 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.
» 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 Bank Announces Retail Banking Promotions Aug 27 2015
Cardinal Bank Announces Retail Banking Promotions Aug 27 2015
Cardinal Bank Welcomes New Branch Manager Anamika Chauhan Aug 26 2015
Cardinal Bank Welcomes New Branch Manager Anamika Chauhan Aug 26 2015
CARDINAL FINANCIAL CORP Financials Aug 19 2015
Cardinal Financial Corp. Earnings Q2*, 2015 Aug 13 2015
10-Q for Cardinal Financial Corp. Aug 10 2015
CARDINAL FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 07 2015
Cardinal Bank Elects New Assistant Vice Presidents in Compliance Division Jul 31 2015
Cardinal Bank Elects New Assistant Vice Presidents in Compliance Division Jul 31 2015
Why Cardinal Financial Corp. (CFNL) Stock Might be a Great Pick - Tale of the Tape Jul 29 2015
CARDINAL FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 28 2015
CARDINAL FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 16 2015
Cardinal Financial Corporation Declares Quarterly Dividend Jul 15 2015
Cardinal Financial Corporation Declares Quarterly Dividend Jul 15 2015
Cardinal Announces Second Quarter 2015 Earnings Jul 15 2015
Cardinal Financial meets 2Q profit forecasts Jul 15 2015
Cardinal Financial meets 2Q profit forecasts Jul 15 2015
Cardinal Announces Second Quarter 2015 Earnings Jul 15 2015
Cardinal Bank Hires Tom Van Lierde as Senior Vice President, Real Estate Lending Jul 13 2015

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)
FEEDBACK