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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 0.04
CFNL's Cash to Debt is ranked lower than
98% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CFNL: 0.04 )
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: 0.04
Equity to Asset 0.11
CFNL's Equity to Asset is ranked higher than
61% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.99
Current: 0.11
0.06
0.99
Interest Coverage 2.91
CFNL's Interest Coverage is ranked higher than
66% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CFNL: 2.91 )
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: N/A
Current: 2.91
F-Score: 2
M-Score: -2.22
WACC vs ROIC
7.06%
5.69%
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 (%) 41.21
CFNL's Operating margin (%) is ranked higher than
72% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. CFNL: 41.21 )
Ranked among companies with meaningful Operating margin (%) only.
CFNL' s Operating margin (%) Range Over the Past 10 Years
Min: -1.03  Med: 27.44 Max: 44.01
Current: 41.21
-1.03
44.01
Net-margin (%) 27.45
CFNL's Net-margin (%) is ranked higher than
64% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. CFNL: 27.45 )
Ranked among companies with meaningful Net-margin (%) only.
CFNL' s Net-margin (%) Range Over the Past 10 Years
Min: 0.47  Med: 19.12 Max: 29.34
Current: 27.45
0.47
29.34
ROE (%) 11.49
CFNL's ROE (%) is ranked higher than
69% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. CFNL: 11.49 )
Ranked among companies with meaningful ROE (%) only.
CFNL' s ROE (%) Range Over the Past 10 Years
Min: 0.18  Med: 8.13 Max: 16.01
Current: 11.49
0.18
16.01
ROA (%) 1.22
CFNL's ROA (%) is ranked higher than
70% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CFNL: 1.22 )
Ranked among companies with meaningful ROA (%) only.
CFNL' s ROA (%) Range Over the Past 10 Years
Min: 0.02  Med: 0.80 Max: 1.61
Current: 1.22
0.02
1.61
Revenue Growth (3Y)(%) 5.50
CFNL's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFNL: 5.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFNL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.50 Max: 155.6
Current: 5.5
0
155.6
EBITDA Growth (3Y)(%) 2.20
CFNL's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFNL: 2.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFNL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.15 Max: 176.4
Current: 2.2
0
176.4
EPS Growth (3Y)(%) 1.90
CFNL's EPS Growth (3Y)(%) is ranked lower than
67% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNL: 1.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -69.9  Med: 8.80 Max: 327.9
Current: 1.9
-69.9
327.9
» CFNL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

CFNL Guru Trades in Q1 2015

Jim Simons 51,800 sh (+189.39%)
Mairs and Power 230,316 sh (+102.71%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 15.57
CFNL's P/E(ttm) is ranked lower than
66% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFNL: 15.57 )
Ranked among companies with meaningful P/E(ttm) only.
CFNL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.45  Med: 21.99 Max: 781.25
Current: 15.57
9.45
781.25
Forward P/E 13.55
CFNL's Forward P/E is ranked lower than
73% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CFNL: 13.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.57
CFNL's PE(NRI) is ranked lower than
66% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFNL: 15.57 )
Ranked among companies with meaningful PE(NRI) only.
CFNL' s PE(NRI) Range Over the Past 10 Years
Min: 9.44  Med: 21.94 Max: 625
Current: 15.57
9.44
625
Price/Owner Earnings (ttm) 15.82
CFNL's Price/Owner Earnings (ttm) is ranked lower than
73% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CFNL: 15.82 )
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: 12.66 Max: 49.76
Current: 15.82
0.73
49.76
P/B 1.64
CFNL's P/B is ranked lower than
83% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFNL: 1.64 )
Ranked among companies with meaningful P/B only.
CFNL' s P/B Range Over the Past 10 Years
Min: 0.74  Med: 1.49 Max: 2.2
Current: 1.64
0.74
2.2
P/S 4.28
CFNL's P/S is ranked lower than
75% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CFNL: 4.28 )
Ranked among companies with meaningful P/S only.
CFNL' s P/S Range Over the Past 10 Years
Min: 1.99  Med: 3.58 Max: 6.59
Current: 4.28
1.99
6.59
EV-to-EBIT 17.07
CFNL's EV-to-EBIT is ranked lower than
65% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CFNL: 17.07 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s EV-to-EBIT Range Over the Past 10 Years
Min: -1927.4  Med: 27.40 Max: 146662.1
Current: 17.07
-1927.4
146662.1
EV-to-EBITDA 16.33
CFNL's EV-to-EBITDA is ranked lower than
67% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. CFNL: 16.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.2  Med: 27.70 Max: 318.6
Current: 16.33
11.2
318.6
PEG 0.79
CFNL's PEG is ranked higher than
61% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CFNL: 0.79 )
Ranked among companies with meaningful PEG only.
CFNL' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 0.76 Max: 35.09
Current: 0.79
0.1
35.09
Shiller P/E 29.10
CFNL's Shiller P/E is ranked lower than
83% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. CFNL: 29.10 )
Ranked among companies with meaningful Shiller P/E only.
CFNL' s Shiller P/E Range Over the Past 10 Years
Min: 24.02  Med: 29.31 Max: 361
Current: 29.1
24.02
361

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.07
CFNL's Dividend Yield is ranked lower than
70% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFNL: 2.07 )
Ranked among companies with meaningful Dividend Yield only.
CFNL' s Dividend Yield Range Over the Past 10 Years
Min: 0.08  Med: 0.78 Max: 2.41
Current: 2.07
0.08
2.41
Dividend Payout 0.31
CFNL's Dividend Payout is ranked higher than
55% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFNL: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
CFNL' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.14 Max: 1
Current: 0.31
0.08
1
Dividend Growth (3y) 41.50
CFNL's Dividend Growth (3y) is ranked higher than
90% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. CFNL: 41.50 )
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: 41.5
0
71
Forward Dividend Yield 2.15
CFNL's Forward Dividend Yield is ranked lower than
72% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. CFNL: 2.15 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 15.67
CFNL's Yield on cost (5-Year) is ranked higher than
94% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFNL: 15.67 )
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: 0.62  Med: 6.08 Max: 18.79
Current: 15.67
0.62
18.79
3-Year Average Share Buyback Ratio -3.30
CFNL's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFNL: -3.30 )
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: -72.1  Med: -10.20 Max: -1.6
Current: -3.3
-72.1
-1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.86
CFNL's Price/Tangible Book is ranked lower than
81% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFNL: 1.86 )
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: 1.86
0.62
2.56
Price/Projected FCF 4.52
CFNL's Price/Projected FCF is ranked lower than
98% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CFNL: 4.52 )
Ranked among companies with meaningful Price/Projected FCF only.
CFNL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 4.06 Max: 115.83
Current: 4.52
0.65
115.83
Price/Median PS Value 1.23
CFNL's Price/Median PS Value is ranked lower than
75% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFNL: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
CFNL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1.03 Max: 5.67
Current: 1.23
0.38
5.67
Price/Peter Lynch Fair Value 1.50
CFNL's Price/Peter Lynch Fair Value is ranked lower than
79% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CFNL: 1.50 )
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: 0.98 Max: 5.68
Current: 1.5
0.4
5.68
Price/Graham Number 1.15
CFNL's Price/Graham Number is ranked lower than
77% of the 1461 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 Price/Graham Number Range Over the Past 10 Years
Min: 0.7  Med: 1.29 Max: 4.91
Current: 1.15
0.7
4.91
Earnings Yield (Greenblatt) (%) 5.88
CFNL's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFNL: 5.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.60 Max: 8.6
Current: 5.88
0.3
8.6
Forward Rate of Return (Yacktman) (%) 11.74
CFNL's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. CFNL: 11.74 )
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: -89.4  Med: -1.05 Max: 92.4
Current: 11.74
-89.4
92.4

More Statistics

Revenue(Mil) $170
EPS $ 1.40
Beta1.03
Short Percentage of Float2.50%
52-Week Range $17.51 - 24.99
Shares Outstanding(Mil)32.41

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.44 1.65
EPS without NRI($) 1.44 1.65

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LKFN, OTCPK:FMBL, NYSE:BANC, NAS:STBZ, NAS:ORIT, NAS:NFBK » 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 FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 02 2016
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Cardinal Financial Q1 Profit Falls 4.4%, But EPS Tops Expectations Apr 20 2016
Cardinal Financial tops Street 1Q forecasts Apr 20 2016
Cardinal Financial tops Street 1Q forecasts Apr 20 2016
Cardinal Announces First Quarter 2016 Earnings Apr 20 2016
Cardinal Announces First Quarter 2016 Earnings Apr 20 2016
Q1 2016 Cardinal Financial Corp Earnings Release - Time Not Supplied Apr 20 2016
Cardinal Financial Corp. breached its 50 day moving average in a Bearish Manner : CFNL-US : April 8,... Apr 08 2016
CARDINAL FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 04 2016
CARDINAL FINANCIAL CORP Financials Mar 19 2016
CARDINAL FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 15 2016
Cardinal Bank Names Local Businessman Nick Carosi as Honorary Chair of its 2016 Cardinal Charity... Mar 03 2016
Cardinal Financial Corp. breached its 50 day moving average in a Bullish Manner : CFNL-US : March 3,... Mar 03 2016
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