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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
NAS:CFNL's Cash to Debt is ranked lower than
97% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:CFNL: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
NAS: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
NAS:CFNL's Equity to Asset is ranked higher than
51% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:CFNL: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS:CFNL' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.99
Current: 0.1
0.06
0.99
Interest Coverage 2.74
NAS:CFNL's Interest Coverage is ranked higher than
63% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:CFNL: 2.74 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CFNL' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 1.73 Max: 2.97
Current: 2.74
0.09
2.97
F-Score: 2
M-Score: -2.43
WACC vs ROIC
7.13%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 40.11
NAS:CFNL's Operating margin (%) is ranked higher than
71% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:CFNL: 40.11 )
Ranked among companies with meaningful Operating margin (%) only.
NAS: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
NAS:CFNL's Net-margin (%) is ranked higher than
63% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:CFNL: 26.71 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:CFNL' s Net-margin (%) Range Over the Past 10 Years
Min: 0.47  Med: 20 Max: 29.34
Current: 26.71
0.47
29.34
ROE (%) 11.39
NAS:CFNL's ROE (%) is ranked higher than
70% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:CFNL: 11.39 )
Ranked among companies with meaningful ROE (%) only.
NAS: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
NAS:CFNL's ROA (%) is ranked higher than
70% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:CFNL: 1.19 )
Ranked among companies with meaningful ROA (%) only.
NAS: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
NAS:CFNL's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:CFNL: -0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:CFNL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.4  Med: 10.2 Max: 155.6
Current: -0.4
-14.4
155.6
EBITDA Growth (3Y)(%) -1.50
NAS:CFNL's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:CFNL: -1.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:CFNL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.2 Max: 176.4
Current: -1.5
0
176.4
EPS Growth (3Y)(%) -1.80
NAS:CFNL's EPS Growth (3Y)(%) is ranked lower than
74% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:CFNL: -1.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:CFNL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.7  Med: 7.2 Max: 354.7
Current: -1.8
-71.7
354.7
» NAS: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

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
Q2 2016

CFNL Guru Trades in Q2 2016

Mairs and Power 311,906 sh (+3.55%)
David Dreman 112 sh (unchged)
Jim Simons 155,200 sh (-34.35%)
» 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:STBZ, NAS:WIBC, NAS:BRKL, NAS:SBSI, NAS:HAFC, NAS:CSFL, NAS:IBTX, NAS:HTLF, NAS:BUSE, NAS:LKFN, NYSE:CPF, NAS:NFBK, NYSE:BANC, NYSE:FCF, NAS:SRCE, NAS:CHCO, NAS:PPBI, NAS:SYBT, NAS:SASR, NAS:ORIT » 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) 18.30
CFNL's P/E(ttm) is ranked lower than
72% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. CFNL: 18.30 )
Ranked among companies with meaningful P/E(ttm) only.
CFNL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.44  Med: 20.33 Max: 625
Current: 18.3
9.44
625
Forward P/E 15.36
CFNL's Forward P/E is ranked lower than
81% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. CFNL: 15.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.30
CFNL's PE(NRI) is ranked lower than
72% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. CFNL: 18.30 )
Ranked among companies with meaningful PE(NRI) only.
CFNL' s PE(NRI) Range Over the Past 10 Years
Min: 9.44  Med: 20.33 Max: 625
Current: 18.3
9.44
625
Price/Owner Earnings (ttm) 19.07
CFNL's Price/Owner Earnings (ttm) is ranked lower than
75% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. CFNL: 19.07 )
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: 12.68 Max: 52.39
Current: 19.07
0.73
52.39
P/B 1.94
CFNL's P/B is ranked lower than
87% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CFNL: 1.94 )
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: 1.94
0.74
2.2
P/S 4.95
CFNL's P/S is ranked lower than
80% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CFNL: 4.95 )
Ranked among companies with meaningful P/S only.
CFNL' s P/S Range Over the Past 10 Years
Min: 1.99  Med: 3.63 Max: 5.01
Current: 4.95
1.99
5.01
PFCF 19.72
CFNL's PFCF is ranked lower than
78% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. CFNL: 19.72 )
Ranked among companies with meaningful PFCF only.
CFNL' s PFCF Range Over the Past 10 Years
Min: 0.71  Med: 4.58 Max: 95.68
Current: 19.72
0.71
95.68
POCF 18.47
CFNL's POCF is ranked lower than
83% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. CFNL: 18.47 )
Ranked among companies with meaningful POCF only.
CFNL' s POCF Range Over the Past 10 Years
Min: 0.71  Med: 4.65 Max: 1895.83
Current: 18.47
0.71
1895.83
EV-to-EBIT 17.94
CFNL's EV-to-EBIT is ranked lower than
67% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. CFNL: 17.94 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s EV-to-EBIT Range Over the Past 10 Years
Min: -1927.4  Med: 26.45 Max: 146662.1
Current: 17.94
-1927.4
146662.1
EV-to-EBITDA 17.10
CFNL's EV-to-EBITDA is ranked lower than
69% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. CFNL: 17.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.2  Med: 24.6 Max: 318.6
Current: 17.1
11.2
318.6
PEG 1.56
CFNL's PEG is ranked lower than
61% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CFNL: 1.56 )
Ranked among companies with meaningful PEG only.
CFNL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.96 Max: 17.02
Current: 1.56
0.1
17.02
Shiller P/E 31.94
CFNL's Shiller P/E is ranked lower than
85% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. CFNL: 31.94 )
Ranked among companies with meaningful Shiller P/E only.
CFNL' s Shiller P/E Range Over the Past 10 Years
Min: 24.02  Med: 29.28 Max: 361
Current: 31.94
24.02
361

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.79
CFNL's Dividend Yield is ranked lower than
73% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CFNL: 1.79 )
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: 1.79
0.08
2.41
Dividend Payout 0.32
CFNL's Dividend Payout is ranked higher than
52% of the 1337 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
84% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 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 Max: 71
Current: 30.1
0
71
Forward Dividend Yield 1.87
CFNL's Forward Dividend Yield is ranked lower than
78% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. CFNL: 1.87 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 9.66
CFNL's Yield on cost (5-Year) is ranked higher than
88% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFNL: 9.66 )
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: 9.66
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 1052 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 2.11
CFNL's Price/Tangible Book is ranked lower than
84% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFNL: 2.11 )
Ranked among companies with meaningful Price/Tangible Book only.
CFNL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.49 Max: 2.56
Current: 2.11
0.62
2.56
Price/Projected FCF 3.44
CFNL's Price/Projected FCF is ranked lower than
97% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. CFNL: 3.44 )
Ranked among companies with meaningful Price/Projected FCF only.
CFNL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.5  Med: 3.91 Max: 1089.5
Current: 3.44
0.5
1089.5
Price/Median PS Value 1.36
CFNL's Price/Median PS Value is ranked lower than
81% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFNL: 1.36 )
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: 1.04 Max: 5.63
Current: 1.36
0.37
5.63
Price/Peter Lynch Fair Value 2.44
CFNL's Price/Peter Lynch Fair Value is ranked lower than
91% of the 385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CFNL: 2.44 )
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: 1.1 Max: 4.44
Current: 2.44
0.4
4.44
Price/Graham Number 1.31
CFNL's Price/Graham Number is ranked lower than
82% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CFNL: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
CFNL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.25 Max: 4.91
Current: 1.31
0.71
4.91
Earnings Yield (Greenblatt) (%) 5.57
CFNL's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CFNL: 5.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.7 Max: 8.6
Current: 5.57
0.3
8.6
Forward Rate of Return (Yacktman) (%) 2.97
CFNL's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. CFNL: 2.97 )
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: 4.6 Max: 92.4
Current: 2.97
-73.9
92.4

More Statistics

Revenue (TTM) (Mil) $177.5
EPS (TTM) $ 1.43
Beta1.03
Short Percentage of Float0.98%
52-Week Range $17.51 - 28.16
Shares Outstanding (Mil)32.46

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.54 1.67
EPS w/o NRI ($) 1.54 1.67
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS: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 Community Fund Awards Grant to DC Grays Baseball Sep 27 2016
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CARDINAL FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 30 2016
INVESTOR ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Cardinal Financial... Aug 25 2016
CARDINAL FINANCIAL INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti,... Aug 23 2016
United Bankshares to Acquire Cardinal Financial for $912M Aug 23 2016
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Cardinal... Aug 22 2016
Cardinal Financial Corporation Acquisition May Not Be in the Best Interests of CFNL Shareholders Aug 22 2016
Cardinal Financial Corporation Shareholder Alert: Former SEC Attorney Willie Briscoe and Powers... Aug 22 2016
Cardinal Financial Takeover Price In Line With KBW Expectations Aug 22 2016
Cardinal Financial downgraded by Keefe Bruyette Aug 22 2016
Harwood Feffer LLP Announces Investigation of Cardinal Financial Corporation Aug 19 2016
United Bank agrees to purchase Cardinal Bank for $912 million Aug 18 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation Concerning Whether the Sale of... Aug 18 2016
Deals of the Day: Gannett Sweetens Its Offer, United Bankshares Nabs Cardinal Financial Aug 18 2016
Why Cardinal Financial (CFNL) Stock Might be a Great Pick Aug 18 2016
[$$] United Bankshares to Buy Cardinal Financial Aug 18 2016
United Bankshares, Inc. and Cardinal Financial Corporation Announce Merger Agreement Aug 18 2016
United Bankshares to buy Cardinal Financial in $912 mln deal Aug 18 2016

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