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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 0.05
CFNL's Cash to Debt is ranked lower than
51% of the 1540 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CFNL: 0.05 )
CFNL' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.05

Equity to Asset 0.11
CFNL's Equity to Asset is ranked higher than
78% of the 1964 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CFNL: 0.11 )
CFNL' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.98
Current: 0.11

0.07
0.98
F-Score: 6
Z-Score: 0.22
WACC vs ROIC
5.41%
4.23%
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 (%) 33.16
CFNL's Operating margin (%) is ranked higher than
80% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.94 vs. CFNL: 33.16 )
CFNL' s 10-Year Operating margin (%) Range
Min: -103.07   Max: 44.01
Current: 33.16

-103.07
44.01
Net-margin (%) 22.25
CFNL's Net-margin (%) is ranked higher than
76% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CFNL: 22.25 )
CFNL' s 10-Year Net-margin (%) Range
Min: -141.67   Max: 32.39
Current: 22.25

-141.67
32.39
ROE (%) 9.18
CFNL's ROE (%) is ranked higher than
78% of the 1999 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.78 vs. CFNL: 9.18 )
CFNL' s 10-Year ROE (%) Range
Min: -46.49   Max: 16.01
Current: 9.18

-46.49
16.01
ROA (%) 1.02
CFNL's ROA (%) is ranked higher than
83% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CFNL: 1.02 )
CFNL' s 10-Year ROA (%) Range
Min: -5.23   Max: 1.61
Current: 1.02

-5.23
1.61
ROC (Joel Greenblatt) (%) 196.30
CFNL's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1963 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. CFNL: 196.30 )
CFNL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -237.02   Max: 353.07
Current: 196.3

-237.02
353.07
Revenue Growth (3Y)(%) 5.50
CFNL's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CFNL: 5.50 )
CFNL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 155.4
Current: 5.5

0
155.4
EBITDA Growth (3Y)(%) 1.90
CFNL's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CFNL: 1.90 )
CFNL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 166.3
Current: 1.9

0
166.3
EPS Growth (3Y)(%) 2.10
CFNL's EPS Growth (3Y)(%) is ranked higher than
67% of the 1520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CFNL: 2.10 )
CFNL' s 10-Year EPS Growth (3Y)(%) Range
Min: -71.7   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

Q2 2013

CFNL Guru Trades in Q2 2013

Jim Simons 424,900 sh (+33.95%)
» More
Q3 2013

CFNL Guru Trades in Q3 2013

Jim Simons 355,700 sh (-16.29%)
» More
Q4 2013

CFNL Guru Trades in Q4 2013

Jim Simons 185,400 sh (-47.88%)
» More
Q1 2014

CFNL Guru Trades in Q1 2014

Jim Simons Sold Out
» 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 Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.80
CFNL's P/E(ttm) is ranked higher than
73% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.10 vs. CFNL: 17.80 )
CFNL' s 10-Year P/E(ttm) Range
Min: 9.45   Max: 781.25
Current: 17.8

9.45
781.25
Forward P/E 12.90
CFNL's Forward P/E is ranked higher than
82% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.78 vs. CFNL: 12.90 )
N/A
PE(NRI) 17.80
CFNL's PE(NRI) is ranked higher than
73% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.10 vs. CFNL: 17.80 )
CFNL' s 10-Year PE(NRI) Range
Min: 9.44   Max: 625
Current: 17.8

9.44
625
P/B 1.51
CFNL's P/B is ranked higher than
69% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CFNL: 1.51 )
CFNL' s 10-Year P/B Range
Min: 0.74   Max: 2.2
Current: 1.51

0.74
2.2
P/S 3.99
CFNL's P/S is ranked higher than
70% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.64 vs. CFNL: 3.99 )
CFNL' s 10-Year P/S Range
Min: 2.02   Max: 6.6
Current: 3.99

2.02
6.6
PFCF 9.89
CFNL's PFCF is ranked higher than
89% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNL: 9.89 )
CFNL' s 10-Year PFCF Range
Min: 0.71   Max: 95.68
Current: 9.89

0.71
95.68
POCF 6.88
CFNL's POCF is ranked higher than
90% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 122.20 vs. CFNL: 6.88 )
CFNL' s 10-Year POCF Range
Min: 0.71   Max: 62.69
Current: 6.88

0.71
62.69
EV-to-EBIT 20.29
CFNL's EV-to-EBIT is ranked higher than
71% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.28 vs. CFNL: 20.29 )
CFNL' s 10-Year EV-to-EBIT Range
Min: -1927.4   Max: 146662.1
Current: 20.29

-1927.4
146662.1
PEG 1.96
CFNL's PEG is ranked higher than
88% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNL: 1.96 )
CFNL' s 10-Year PEG Range
Min: 0.09   Max: 13.38
Current: 1.96

0.09
13.38
Shiller P/E 19.58
CFNL's Shiller P/E is ranked higher than
85% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNL: 19.58 )
CFNL' s 10-Year Shiller P/E Range
Min: 16.83   Max: 40.54
Current: 19.58

16.83
40.54
Days Sales Outstanding 88.17
CFNL's Days Sales Outstanding is ranked higher than
81% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNL: 88.17 )
CFNL' s 10-Year Days Sales Outstanding Range
Min: 42.17   Max: 16425
Current: 88.17

42.17
16425

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.91
CFNL's Dividend Yield is ranked lower than
59% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. CFNL: 1.91 )
CFNL' s 10-Year Dividend Yield Range
Min: 0.08   Max: 1.91
Current: 1.91

0.08
1.91
Dividend Payout 0.35
CFNL's Dividend Payout is ranked higher than
74% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. CFNL: 0.35 )
CFNL' s 10-Year Dividend Payout Range
Min: 0.02   Max: 4
Current: 0.35

0.02
4
Dividend growth (3y) 41.50
CFNL's Dividend growth (3y) is ranked higher than
96% of the 1099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CFNL: 41.50 )
CFNL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 71
Current: 41.5

0
71
Yield on cost (5-Year) 11.16
CFNL's Yield on cost (5-Year) is ranked higher than
93% of the 1911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CFNL: 11.16 )
CFNL' s 10-Year Yield on cost (5-Year) Range
Min: 0.47   Max: 10.99
Current: 11.16

0.47
10.99
Share Buyback Rate -3.30
CFNL's Share Buyback Rate is ranked higher than
68% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CFNL: -3.30 )
CFNL' s 10-Year Share Buyback Rate Range
Min: -1.6   Max: -72.1
Current: -3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
CFNL's Price/Tangible Book is ranked higher than
71% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CFNL: 1.68 )
CFNL' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.56
Current: 1.68

0.62
2.56
Price/DCF (Projected) 2.27
CFNL's Price/DCF (Projected) is ranked higher than
74% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.31 vs. CFNL: 2.27 )
CFNL' s 10-Year Price/DCF (Projected) Range
Min: 0.89   Max: 6.47
Current: 2.27

0.89
6.47
Price/Median PS Value 1.10
CFNL's Price/Median PS Value is ranked higher than
78% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CFNL: 1.10 )
CFNL' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 4.62
Current: 1.1

0.47
4.62
Price/Peter Lynch Fair Value 1.25
CFNL's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNL: 1.25 )
CFNL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 4.42
Current: 1.25

0.43
4.42
Price/Graham Number 1.14
CFNL's Price/Graham Number is ranked higher than
73% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFNL: 1.14 )
CFNL' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 4.52
Current: 1.14

0.77
4.52
Earnings Yield (Greenblatt) 4.90
CFNL's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1976 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CFNL: 4.90 )
CFNL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 8.6
Current: 4.9

0.3
8.6
Forward Rate of Return (Yacktman) 13.69
CFNL's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CFNL: 13.69 )
CFNL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -94.8   Max: 92.1
Current: 13.69

-94.8
92.1

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 

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