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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.05
CFNL's Cash to Debt is ranked lower than
97% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. CFNL: 0.05 )
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: 0.05
Equity to Asset 0.10
CFNL's Equity to Asset is ranked higher than
61% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNL: 0.10 )
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: 0.1
0.06
0.99
Interest Coverage 2.81
CFNL's Interest Coverage is ranked higher than
65% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CFNL: 2.81 )
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: 2.81
0.09
2.97
F-Score: 3
M-Score: -2.30
WACC vs ROIC
6.74%
5.59%
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 (%) 40.11
CFNL's Operating margin (%) is ranked higher than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. CFNL: 40.11 )
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: 40.11
-1.03
44.01
Net-margin (%) 26.71
CFNL's Net-margin (%) is ranked higher than
65% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. CFNL: 26.71 )
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: 26.71
0.47
29.34
ROE (%) 11.39
CFNL's ROE (%) is ranked higher than
71% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. CFNL: 11.39 )
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: 11.39
0.18
16.01
ROA (%) 1.19
CFNL's ROA (%) is ranked higher than
71% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CFNL: 1.19 )
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: 1.19
0.02
1.61
Revenue Growth (3Y)(%) -0.40
CFNL's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 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 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 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)(%) -1.80
CFNL's EPS Growth (3Y)(%) is ranked lower than
74% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNL: -1.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.7  Med: 7.20 Max: 354.7
Current: -1.8
-71.7
354.7
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CSFL, NAS:IBTX, NYSE:CPF, NAS:HAFC, NAS:ORIT, NAS:NFBK, NAS:BRKL, NAS:STBZ, NAS:LKFN, NAS:SASR, NYSE:CUBI, NYSE:FCF, NAS:CHCO, NAS:SBSI, NAS:BUSE, NAS:WASH, NAS:WIBC, NAS:PPBI, NAS:SRCE, NAS:STBA » 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) 17.22
CFNL's P/E(ttm) is ranked lower than
71% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. CFNL: 17.22 )
Ranked among companies with meaningful P/E(ttm) only.
CFNL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.44  Med: 20.65 Max: 625
Current: 17.22
9.44
625
Forward P/E 15.46
CFNL's Forward P/E is ranked lower than
76% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CFNL: 15.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.22
CFNL's PE(NRI) is ranked lower than
70% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. CFNL: 17.22 )
Ranked among companies with meaningful PE(NRI) only.
CFNL' s PE(NRI) Range Over the Past 10 Years
Min: 9.44  Med: 20.65 Max: 625
Current: 17.22
9.44
625
Price/Owner Earnings (ttm) 18.20
CFNL's Price/Owner Earnings (ttm) is ranked lower than
72% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. CFNL: 18.20 )
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: 12.49 Max: 52.39
Current: 18.2
0.73
52.39
P/B 1.82
CFNL's P/B is ranked lower than
83% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFNL: 1.82 )
Ranked among companies with meaningful P/B only.
CFNL' s P/B Range Over the Past 10 Years
Min: 0.74  Med: 1.51 Max: 2.2
Current: 1.82
0.74
2.2
P/S 4.82
CFNL's P/S is ranked lower than
78% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CFNL: 4.82 )
Ranked among companies with meaningful P/S only.
CFNL' s P/S Range Over the Past 10 Years
Min: 1.99  Med: 3.60 Max: 4.88
Current: 4.82
1.99
4.88
POCF 2052.50
CFNL's POCF is ranked lower than
100% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. CFNL: 2052.50 )
Ranked among companies with meaningful POCF only.
CFNL' s POCF Range Over the Past 10 Years
Min: 0.71  Med: 4.59 Max: 2052.5
Current: 2052.5
0.71
2052.5
EV-to-EBIT 17.36
CFNL's EV-to-EBIT is ranked lower than
66% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CFNL: 17.36 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s EV-to-EBIT Range Over the Past 10 Years
Min: -1927.4  Med: 26.75 Max: 146662.1
Current: 17.36
-1927.4
146662.1
EV-to-EBITDA 16.56
CFNL's EV-to-EBITDA is ranked lower than
68% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. CFNL: 16.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.2  Med: 24.70 Max: 318.6
Current: 16.56
11.2
318.6
PEG 1.50
CFNL's PEG is ranked lower than
58% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFNL: 1.50 )
Ranked among companies with meaningful PEG only.
CFNL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.93 Max: 17.02
Current: 1.5
0.1
17.02
Shiller P/E 31.24
CFNL's Shiller P/E is ranked lower than
85% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. CFNL: 31.24 )
Ranked among companies with meaningful Shiller P/E only.
CFNL' s Shiller P/E Range Over the Past 10 Years
Min: 24.02  Med: 29.09 Max: 361
Current: 31.24
24.02
361

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.88
CFNL's Dividend Yield is ranked lower than
71% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CFNL: 1.88 )
Ranked among companies with meaningful Dividend Yield only.
CFNL' s Dividend Yield Range Over the Past 10 Years
Min: 0.08  Med: 0.82 Max: 2.41
Current: 1.88
0.08
2.41
Dividend Payout 0.32
CFNL's Dividend Payout is ranked higher than
53% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 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
83% of the 733 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 2.02
CFNL's Forward Dividend Yield is ranked lower than
76% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CFNL: 2.02 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 10.15
CFNL's Yield on cost (5-Year) is ranked higher than
89% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. CFNL: 10.15 )
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: 4.43 Max: 13.01
Current: 10.15
0.43
13.01
3-Year Average Share Buyback Ratio -2.30
CFNL's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 1.99
CFNL's Price/Tangible Book is ranked lower than
82% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CFNL: 1.99 )
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: 1.99
0.62
2.56
Price/Projected FCF 5.11
CFNL's Price/Projected FCF is ranked lower than
97% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CFNL: 5.11 )
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: 5.11
0.5
1089.5
Price/Median PS Value 1.34
CFNL's Price/Median PS Value is ranked lower than
80% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFNL: 1.34 )
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: 1.34
0.37
5.67
Price/Peter Lynch Fair Value 1.96
CFNL's Price/Peter Lynch Fair Value is ranked lower than
85% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFNL: 1.96 )
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: 1.96
0.4
4.44
Price/Graham Number 1.26
CFNL's Price/Graham Number is ranked lower than
78% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CFNL: 1.26 )
Ranked among companies with meaningful Price/Graham Number only.
CFNL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.28 Max: 4.91
Current: 1.26
0.71
4.91
Earnings Yield (Greenblatt) (%) 5.80
CFNL's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFNL: 5.80 )
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: 5.8
0.3
8.6
Forward Rate of Return (Yacktman) (%) 7.13
CFNL's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. CFNL: 7.13 )
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: 6.70 Max: 92.4
Current: 7.13
-73.9
92.4

More Statistics

Revenue (TTM) (Mil) $177.5
EPS (TTM) $ 1.43
Beta0.97
Short Percentage of Float2.24%
52-Week Range $17.51 - 25.87
Shares Outstanding (Mil)32.42

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.54 1.67
EPS w/o NRI ($) 1.54 1.67
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)

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