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 0.08
CFNL's Cash to Debt is ranked lower than
51% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFNL: 0.08 )
CFNL' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.08

Equity to Asset 0.11
CFNL's Equity to Asset is ranked higher than
78% of the 1739 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: 0.06   Max: 0.99
Current: 0.11

0.06
0.99
Interest Coverage 1.73
CFNL's Interest Coverage is ranked higher than
73% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CFNL: 1.73 )
CFNL' s 10-Year Interest Coverage Range
Min: 0.09   Max: 9999.99
Current: 1.73

0.09
9999.99
F-Score: 4
Z-Score: 0.25
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 (%) 24.55
CFNL's Operating margin (%) is ranked higher than
68% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. CFNL: 24.55 )
CFNL' s 10-Year Operating margin (%) Range
Min: -103.07   Max: 44.01
Current: 24.55

-103.07
44.01
Net-margin (%) 16.57
CFNL's Net-margin (%) is ranked higher than
66% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. CFNL: 16.57 )
CFNL' s 10-Year Net-margin (%) Range
Min: -141.67   Max: 32.39
Current: 16.57

-141.67
32.39
ROE (%) 6.37
CFNL's ROE (%) is ranked higher than
68% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. CFNL: 6.37 )
CFNL' s 10-Year ROE (%) Range
Min: -46.49   Max: 16.01
Current: 6.37

-46.49
16.01
ROA (%) 0.71
CFNL's ROA (%) is ranked higher than
71% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CFNL: 0.71 )
CFNL' s 10-Year ROA (%) Range
Min: -5.23   Max: 1.61
Current: 0.71

-5.23
1.61
ROC (Joel Greenblatt) (%) 139.73
CFNL's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. CFNL: 139.73 )
CFNL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -237.02   Max: 353.07
Current: 139.73

-237.02
353.07
Revenue Growth (%) 6.40
CFNL's Revenue Growth (%) is ranked higher than
88% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFNL: 6.40 )
CFNL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 155.4
Current: 6.4

0
155.4
EBITDA Growth (%) 11.20
CFNL's EBITDA Growth (%) is ranked higher than
80% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFNL: 11.20 )
CFNL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 177.8
Current: 11.2

0
177.8
EPS Growth (%) 9.80
CFNL's EPS Growth (%) is ranked higher than
76% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. CFNL: 9.80 )
CFNL' s 10-Year EPS Growth (%) Range
Min: -71.7   Max: 354.7
Current: 9.8

-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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 25.60
CFNL's P/E(ttm) is ranked higher than
62% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. CFNL: 25.60 )
CFNL' s 10-Year P/E(ttm) Range
Min: 9.45   Max: 781.25
Current: 25.6

9.45
781.25
P/B 1.50
CFNL's P/B is ranked higher than
62% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFNL: 1.50 )
CFNL' s 10-Year P/B Range
Min: 0.74   Max: 2.2
Current: 1.5

0.74
2.2
P/S 4.30
CFNL's P/S is ranked higher than
62% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CFNL: 4.30 )
CFNL' s 10-Year P/S Range
Min: 2.02   Max: 6.6
Current: 4.3

2.02
6.6
PFCF 1.80
CFNL's PFCF is ranked higher than
97% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. CFNL: 1.80 )
CFNL' s 10-Year PFCF Range
Min: 0.71   Max: 95.68
Current: 1.8

0.71
95.68
EV-to-EBIT 29.98
CFNL's EV-to-EBIT is ranked higher than
65% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. CFNL: 29.98 )
CFNL' s 10-Year EV-to-EBIT Range
Min: 11.7   Max: 146662.1
Current: 29.98

11.7
146662.1
PEG 0.91
CFNL's PEG is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFNL: 0.91 )
CFNL' s 10-Year PEG Range
Min: 0.09   Max: 21.99
Current: 0.91

0.09
21.99
Shiller P/E 21.50
CFNL's Shiller P/E is ranked higher than
80% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. CFNL: 21.50 )
CFNL' s 10-Year Shiller P/E Range
Min: 16.83   Max: 40.54
Current: 21.5

16.83
40.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
CFNL's Dividend Yield is ranked lower than
63% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. CFNL: 1.80 )
CFNL' s 10-Year Dividend Yield Range
Min: 0.15   Max: 1.64
Current: 1.8

0.15
1.64
Dividend Payout 0.42
CFNL's Dividend Payout is ranked higher than
67% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. CFNL: 0.42 )
CFNL' s 10-Year Dividend Payout Range
Min: 0.08   Max: 1
Current: 0.42

0.08
1
Dividend growth (3y) 42.20
CFNL's Dividend growth (3y) is ranked higher than
95% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. CFNL: 42.20 )
CFNL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 71
Current: 42.2

0
71
Yield on cost (5-Year) 16.37
CFNL's Yield on cost (5-Year) is ranked higher than
95% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CFNL: 16.37 )
CFNL' s 10-Year Yield on cost (5-Year) Range
Min: 1.36   Max: 14.91
Current: 16.37

1.36
14.91
Share Buyback Rate -1.60
CFNL's Share Buyback Rate is ranked higher than
74% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CFNL: -1.60 )
CFNL' s 10-Year Share Buyback Rate Range
Min: -1.6   Max: -72.1
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.69
CFNL's Price/Tangible Book is ranked higher than
64% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CFNL: 1.69 )
CFNL' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 2.56
Current: 1.69

0.62
2.56
Price/DCF (Projected) 2.76
CFNL's Price/DCF (Projected) is ranked higher than
67% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CFNL: 2.76 )
CFNL' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 21.73
Current: 2.76

0.65
21.73
Price/Median PS Value 1.19
CFNL's Price/Median PS Value is ranked higher than
69% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CFNL: 1.19 )
CFNL' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 8.12
Current: 1.19

0.37
8.12
Price/Peter Lynch Fair Value 1.02
CFNL's Price/Peter Lynch Fair Value is ranked higher than
91% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CFNL: 1.02 )
CFNL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 4.44
Current: 1.02

0.4
4.44
Price/Graham Number 1.39
CFNL's Price/Graham Number is ranked higher than
63% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CFNL: 1.39 )
CFNL' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 4.52
Current: 1.39

0.7
4.52
Earnings Yield (Greenblatt) 3.30
CFNL's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFNL: 3.30 )
CFNL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 8.6
Current: 3.3

0.3
8.6
Forward Rate of Return (Yacktman) 16.75
CFNL's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. CFNL: 16.75 )
CFNL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -106.1   Max: 104.3
Current: 16.75

-106.1
104.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Cardinal Financial Corporation is incorporated under the laws of the Commonwealth of Virginia as a financial holding Company whose 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 considers its main target market to include the Virginia counties of Arlington, Fairfax, Loudoun, Prince William, and Stafford and the cities of Alexandria, Fairfax, Falls Church, Fredericksburg, Manassas and Manassas Park; Washington, D.C. and the Maryland county of Montgomery. 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 Promotes Martha Wilson to Vice President in Commercial Lending Division Sep 30 2014
Michael Williams Joins Cardinal Bank as Vice President in Commercial Lending Division Sep 22 2014
Cardinal Bank Announces Retail Banking Division Promotions Sep 18 2014
Cardinal Bank Welcomes Amber Burton As New Manager of Annandale Banking Office Sep 08 2014
Cardinal Bank Promotes Andrew J. Peden To Executive Vice President, Real Estate Lending Sep 03 2014
CARDINAL FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 03 2014
CARDINAL FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 02 2014
Cardinal Financial Corporation Announces Plans to Acquire Gainesville Office of Virginia Heritage... Sep 02 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

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)
Free 7-day Trial
FEEDBACK