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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.07
CFNL's Cash-to-Debt is ranked lower than
96% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. CFNL: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
CFNL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: No Debt
Current: 0.07
Equity-to-Asset 0.11
CFNL's Equity-to-Asset is ranked higher than
60% of the 1624 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: 0.07  Med: 0.1 Max: 0.98
Current: 0.11
0.07
0.98
Debt-to-Equity 0.94
CFNL's Debt-to-Equity is ranked lower than
65% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CFNL: 0.94 )
Ranked among companies with meaningful Debt-to-Equity only.
CFNL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02  Med: 1.27 Max: 2.92
Current: 0.94
0.02
2.92
Debt-to-EBITDA 4.59
CFNL's Debt-to-EBITDA is ranked higher than
52% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. CFNL: 4.59 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CFNL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.59  Med: 11.53 Max: 219.03
Current: 4.59
4.59
219.03
Interest Coverage 2.93
CFNL's Interest Coverage is ranked higher than
66% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. CFNL: 2.93 )
Ranked among companies with meaningful Interest Coverage only.
CFNL' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 1.78 Max: 2.97
Current: 2.93
0.09
2.97
Beneish M-Score: -2.33
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 : 5/10

vs
industry
vs
history
Operating Margin % 39.50
CFNL's Operating Margin % is ranked higher than
68% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. CFNL: 39.50 )
Ranked among companies with meaningful Operating Margin % only.
CFNL' s Operating Margin % Range Over the Past 10 Years
Min: -1.03  Med: 31.99 Max: 44.01
Current: 39.5
-1.03
44.01
Net Margin % 26.22
CFNL's Net Margin % is ranked higher than
61% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. CFNL: 26.22 )
Ranked among companies with meaningful Net Margin % only.
CFNL' s Net Margin % Range Over the Past 10 Years
Min: 0.47  Med: 21.56 Max: 29.34
Current: 26.22
0.47
29.34
ROE % 11.16
CFNL's ROE % is ranked higher than
69% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. CFNL: 11.16 )
Ranked among companies with meaningful ROE % only.
CFNL' s ROE % Range Over the Past 10 Years
Min: 0.18  Med: 9 Max: 16.01
Current: 11.16
0.18
16.01
ROA % 1.19
CFNL's ROA % is ranked higher than
71% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFNL: 1.19 )
Ranked among companies with meaningful ROA % only.
CFNL' s ROA % Range Over the Past 10 Years
Min: 0.02  Med: 0.98 Max: 1.61
Current: 1.19
0.02
1.61
3-Year Revenue Growth Rate 12.80
CFNL's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFNL: 12.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFNL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -14.4  Med: 10.9 Max: 155.6
Current: 12.8
-14.4
155.6
3-Year EBITDA Growth Rate 21.00
CFNL's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CFNL: 21.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CFNL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.45 Max: 176.4
Current: 21
0
176.4
3-Year EPS without NRI Growth Rate 22.30
CFNL's 3-Year EPS without NRI Growth Rate is ranked higher than
81% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CFNL: 22.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFNL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -71.7  Med: 8.5 Max: 354.7
Current: 22.3
-71.7
354.7
GuruFocus has detected 3 Warning Signs with Cardinal Financial Corp CFNL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFNL's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

CFNL Guru Trades in Q3 2016

Paul Tudor Jones 17,700 sh (New)
Jim Simons 170,600 sh (+9.92%)
David Dreman 112 sh (unchged)
Mairs and Power 306,706 sh (-1.67%)
» More
Q4 2016

CFNL Guru Trades in Q4 2016

David Dreman 112 sh (unchged)
Paul Tudor Jones Sold Out
Mairs and Power 275,146 sh (-10.29%)
Jim Simons 133,300 sh (-21.86%)
» More
Q1 2017

CFNL Guru Trades in Q1 2017

Paul Tudor Jones 8,200 sh (New)
Mairs and Power 275,146 sh (unchged)
David Dreman Sold Out
Jim Simons 79,700 sh (-40.21%)
» More
Q2 2017

CFNL Guru Trades in Q2 2017

Paul Tudor Jones Sold Out
Mairs and Power Sold Out
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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2017-03-31 Sold Out $28.33 - $33.01 $ 29.04-6%0
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:EFSC, NAS:SASR, NAS:HAFC, NAS:WASH, NYSE:CUBI, NYSE:CPF, OTCPK:FMBL, NAS:LBAI, NYSE:NBHC, NAS:SBCF, NYSE:BANC, NAS:SBSI, NAS:MSFG, NAS:TCBK, NYSE:FBP, NAS:OPB, NAS:GNBC, NAS:HFWA, NAS:GABC, NAS:CHCO » details
Headquarter Location:USA
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
PE Ratio 19.76
CFNL's PE Ratio is ranked lower than
72% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CFNL: 19.76 )
Ranked among companies with meaningful PE Ratio only.
CFNL' s PE Ratio Range Over the Past 10 Years
Min: 9.44  Med: 18.83 Max: 625
Current: 19.76
9.44
625
PE Ratio without NRI 19.76
CFNL's PE Ratio without NRI is ranked lower than
72% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. CFNL: 19.76 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFNL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.44  Med: 18.83 Max: 625
Current: 19.76
9.44
625
Price-to-Owner-Earnings 16.37
CFNL's Price-to-Owner-Earnings is ranked lower than
56% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. CFNL: 16.37 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFNL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.73  Med: 13.52 Max: 52.39
Current: 16.37
0.73
52.39
PB Ratio 2.08
CFNL's PB Ratio is ranked lower than
86% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CFNL: 2.08 )
Ranked among companies with meaningful PB Ratio only.
CFNL' s PB Ratio Range Over the Past 10 Years
Min: 0.74  Med: 1.49 Max: 2.52
Current: 2.08
0.74
2.52
PS Ratio 5.13
CFNL's PS Ratio is ranked lower than
76% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. CFNL: 5.13 )
Ranked among companies with meaningful PS Ratio only.
CFNL' s PS Ratio Range Over the Past 10 Years
Min: 1.99  Med: 3.56 Max: 6.12
Current: 5.13
1.99
6.12
Price-to-Free-Cash-Flow 7.00
CFNL's Price-to-Free-Cash-Flow is ranked higher than
66% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. CFNL: 7.00 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFNL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.71  Med: 6.52 Max: 115.12
Current: 7
0.71
115.12
Price-to-Operating-Cash-Flow 6.98
CFNL's Price-to-Operating-Cash-Flow is ranked higher than
63% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. CFNL: 6.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFNL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.71  Med: 6.67 Max: 1895.83
Current: 6.98
0.71
1895.83
EV-to-EBIT 18.61
CFNL's EV-to-EBIT is ranked lower than
67% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CFNL: 18.61 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNL' s EV-to-EBIT Range Over the Past 10 Years
Min: -1927.4  Med: 23.7 Max: 146662.1
Current: 18.61
-1927.4
146662.1
EV-to-EBITDA 17.90
CFNL's EV-to-EBITDA is ranked lower than
70% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. CFNL: 17.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.2  Med: 23.9 Max: 318.6
Current: 17.9
11.2
318.6
EV-to-Revenue 7.35
CFNL's EV-to-Revenue is ranked lower than
78% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. CFNL: 7.35 )
Ranked among companies with meaningful EV-to-Revenue only.
CFNL' s EV-to-Revenue Range Over the Past 10 Years
Min: 5.1  Med: 7.5 Max: 10.7
Current: 7.35
5.1
10.7
PEG Ratio 2.90
CFNL's PEG Ratio is ranked lower than
72% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. CFNL: 2.90 )
Ranked among companies with meaningful PEG Ratio only.
CFNL' s PEG Ratio Range Over the Past 10 Years
Min: 0.1  Med: 1.08 Max: 17.02
Current: 2.9
0.1
17.02
Shiller PE Ratio 33.11
CFNL's Shiller PE Ratio is ranked lower than
79% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. CFNL: 33.11 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFNL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 24.02  Med: 29.44 Max: 361
Current: 33.11
24.02
361

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.69
CFNL's Dividend Yield % is ranked lower than
72% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. CFNL: 1.69 )
Ranked among companies with meaningful Dividend Yield % only.
CFNL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 1.03 Max: 2.41
Current: 1.69
0.37
2.41
Dividend Payout Ratio 0.32
CFNL's Dividend Payout Ratio is ranked higher than
51% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CFNL: 0.32 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFNL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.25 Max: 4
Current: 0.32
0.11
4
3-Year Dividend Growth Rate 27.80
CFNL's 3-Year Dividend Growth Rate is ranked higher than
86% of the 820 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CFNL: 27.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFNL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 71
Current: 27.8
0
71
Forward Dividend Yield % 1.79
CFNL's Forward Dividend Yield % is ranked lower than
74% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CFNL: 1.79 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.75
CFNL's 5-Year Yield-on-Cost % is ranked higher than
80% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CFNL: 6.75 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFNL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.48  Med: 4.11 Max: 9.62
Current: 6.75
1.48
9.62
3-Year Average Share Buyback Ratio -2.80
CFNL's 3-Year Average Share Buyback Ratio is ranked lower than
53% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. CFNL: -2.80 )
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: -5.9 Max: 0.4
Current: -2.8
-62.7
0.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.25
CFNL's Price-to-Tangible-Book is ranked lower than
83% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CFNL: 2.25 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFNL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.62  Med: 1.59 Max: 2.59
Current: 2.25
0.62
2.59
Price-to-Intrinsic-Value-Projected-FCF 1.52
CFNL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CFNL: 1.52 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFNL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.63  Med: 2.06 Max: 6.51
Current: 1.52
0.63
6.51
Price-to-Median-PS-Value 1.44
CFNL's Price-to-Median-PS-Value is ranked lower than
73% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CFNL: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFNL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.09 Max: 3.94
Current: 1.44
0.47
3.94
Price-to-Peter-Lynch-Fair-Value 3.55
CFNL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
93% of the 439 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CFNL: 3.55 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CFNL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.43  Med: 1.16 Max: 4.22
Current: 3.55
0.43
4.22
Price-to-Graham-Number 1.41
CFNL's Price-to-Graham-Number is ranked lower than
80% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CFNL: 1.41 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFNL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.8  Med: 1.3 Max: 4.91
Current: 1.41
0.8
4.91
Earnings Yield (Greenblatt) % 5.37
CFNL's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. CFNL: 5.37 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFNL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.1  Med: 3.9 Max: 8.6
Current: 5.37
-0.1
8.6
Forward Rate of Return (Yacktman) % 15.02
CFNL's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. CFNL: 15.02 )
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: 13.6 Max: 92.4
Current: 15.02
-73.9
92.4

More Statistics

Revenue (TTM) (Mil) $189.92
EPS (TTM) $ 1.47
Short Percentage of Float1.99%
52-Week Range $20.37 - 34.75
Shares Outstanding (Mil)33.08

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 1.67
EPS without NRI ($) 1.67
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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