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C&F Financial (C&F Financial) Cyclically Adjusted FCF per Share : $9.87 (As of Dec. 2023)


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What is C&F Financial Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

C&F Financial's adjusted free cash flow per share for the three months ended in Dec. 2023 was $4.911. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $9.87 for the trailing ten years ended in Dec. 2023.

During the past 12 months, C&F Financial's average Cyclically Adjusted FCF Growth Rate was -7.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 24.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 7.70% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 2.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of C&F Financial was 47.00% per year. The lowest was -13.30% per year. And the median was 9.60% per year.

As of today (2024-04-28), C&F Financial's current stock price is $38.54. C&F Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $9.87. C&F Financial's Cyclically Adjusted Price-to-FCF of today is 3.90.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of C&F Financial was 11.33. The lowest was 3.75. And the median was 5.71.


C&F Financial Cyclically Adjusted FCF per Share Historical Data

The historical data trend for C&F Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

C&F Financial Cyclically Adjusted FCF per Share Chart

C&F Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.94 5.09 8.73 10.70 9.87

C&F Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.60 9.93 10.38 9.87 -

Competitive Comparison of C&F Financial's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, C&F Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


C&F Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, C&F Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where C&F Financial's Cyclically Adjusted Price-to-FCF falls into.



C&F Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, C&F Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=4.911/129.4194*129.4194
=4.911

Current CPI (Dec. 2023) = 129.4194.

C&F Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 3.341 99.695 4.337
201406 -0.755 100.560 -0.972
201409 2.534 100.428 3.266
201412 4.306 99.070 5.625
201503 -2.055 99.621 -2.670
201506 -5.174 100.684 -6.651
201509 9.162 100.392 11.811
201512 2.062 99.792 2.674
201603 7.117 100.470 9.168
201606 -7.301 101.688 -9.292
201609 0.329 101.861 0.418
201612 6.872 101.863 8.731
201703 4.580 102.862 5.762
201706 -0.137 103.349 -0.172
201709 2.234 104.136 2.776
201712 -0.479 104.011 -0.596
201803 6.138 105.290 7.545
201806 -2.181 106.317 -2.655
201809 5.686 106.507 6.909
201812 2.978 105.998 3.636
201903 3.849 107.251 4.645
201906 -12.243 108.070 -14.662
201909 1.820 108.329 2.174
201912 1.578 108.420 1.884
202003 -6.399 108.902 -7.605
202006 -12.779 108.767 -15.205
202009 -20.562 109.815 -24.233
202012 14.881 109.897 17.525
202103 10.612 111.754 12.289
202106 17.298 114.631 19.530
202109 3.711 115.734 4.150
202112 10.518 117.630 11.572
202203 11.272 121.301 12.026
202206 2.265 125.017 2.345
202209 5.316 125.227 5.494
202212 5.899 125.222 6.097
202303 -0.101 127.348 -0.103
202306 -0.312 128.729 -0.314
202309 6.555 129.860 6.533
202312 4.911 129.419 4.911

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


C&F Financial  (NAS:CFFI) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

C&F Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=38.54/9.87
=3.90

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of C&F Financial was 11.33. The lowest was 3.75. And the median was 5.71.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


C&F Financial Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of C&F Financial's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


C&F Financial (C&F Financial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
3600 La Grange Parkway, Toano, VA, USA, 23168
C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum revenue from the Community Banking segment.
Executives
Seaman John A Iii other: Chief Credit Officer 802 MAIN STREET, WEST POINT VA 23181
Thomas F Cherry officer: Senior Vice President & CFO
S Dustin Crone other: President of Major Subsidiary 802 MAIN STREET, WEST POINT VA 23181
Audrey Dale Holmes director 5120 ADKINS ROAD, PROVIDENCE FORGE VA 23140
Larry G Dillon director, officer: Chairman, President & CEO
Hudson James H Iii director
Jeffery O Smith director 3600 LA GRANGE PKWY, TOANO VA 23168
D Anthony Peay director 3600 LA GRANGE PKWY, TOANO VA 23168
Jason E Long officer: Chief Financial Officer 4136 LONGVIEW LANDING, WILLIAMSBURG VA 23188
Sisson George R Iii director 3600 LAGRANGE PARKWAY, TOANO VA 23168
Bryan Edwin Mckernon other: President of major subsidiary 1400 ALVERSER DRIVE, MIDLOTHIAN VA 23113
Causey J P Jr director 1021 EAST CARY STREET, PO BOX 2350, RICHMOND VA 23218-2350
Barry R Chernack director
Julie R Agnew director 100 PIERCES COURT, WILLIAMSBURG VA 23185
Elizabeth R Kelley director 324 5TH STREET, WEST POINT VA 23181

C&F Financial (C&F Financial) Headlines

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