Snowflake Score | |
---|---|
Valuation | 4/6 |
Future Growth | 0/6 |
Past Performance | 3/6 |
Financial Health | 6/6 |
Dividends | 4/6 |
CFFI Stock Overview
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses.
C&F Financial Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | US$45.88 |
52 Week High | US$55.00 |
52 Week Low | US$45.01 |
Beta | 0.45 |
1 Month Change | -10.32% |
3 Month Change | -8.51% |
1 Year Change | -10.04% |
3 Year Change | -15.99% |
5 Year Change | -2.18% |
Change since IPO | 282.33% |
Recent News & Updates
C&F Financial (NASDAQ:CFFI) Is Due To Pay A Dividend Of US$0.40
C&F Financial Corporation ( NASDAQ:CFFI ) will pay a dividend of US$0.40 on the 1st of July. This payment means that...
C&F Financial (NASDAQ:CFFI) Will Pay A Dividend Of US$0.40
The board of C&F Financial Corporation ( NASDAQ:CFFI ) has announced that it will pay a dividend of US$0.40 per share...
Shareholder Returns
CFFI | US Banks | US Market | |
---|---|---|---|
7D | -0.3% | 3.7% | 6.6% |
1Y | -10.0% | -17.7% | -18.4% |
Return vs Industry: CFFI exceeded the US Banks industry which returned -17.7% over the past year.
Return vs Market: CFFI exceeded the US Market which returned -18.4% over the past year.
Price Volatility
CFFI volatility | |
---|---|
CFFI Average Weekly Movement | 3.3% |
Banks Industry Average Movement | 3.8% |
Market Average Movement | 8.1% |
10% most volatile stocks in US Market | 16.6% |
10% least volatile stocks in US Market | 3.2% |
Stable Share Price: CFFI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CFFI's weekly volatility (3%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1927 | 650 | Tom Cherry | https://www.cffc.com |
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company’s Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services.
C&F Financial Fundamentals Summary
CFFI fundamental statistics | |
---|---|
Market Cap | US$162.23m |
Earnings (TTM) | US$27.24m |
Revenue (TTM) | US$127.13m |
6.0x
P/E Ratio0.8x
P/B RatioIs CFFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
CFFI income statement (TTM) | |
---|---|
Revenue | US$127.13m |
Cost of Revenue | US$0 |
Gross Profit | US$127.13m |
Other Expenses | US$99.89m |
Earnings | US$27.24m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 7.70 |
Gross Margin | 100.00% |
Net Profit Margin | 21.42% |
Debt/Equity Ratio | 44.5% |
How did CFFI perform over the long term?
See historical performance and comparisonDividends
3.5%
Current Dividend Yield21%
Payout RatioValuation
Is CFFI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CFFI?
Other financial metrics that can be useful for relative valuation.
What is CFFI's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | US$162.23m |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does CFFI's PE Ratio compare to its peers?
CFFI PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 9.5x | ||
GRRB GrandSouth Bancorporation | 10.1x | 4.2% | US$159.4m |
HWBK Hawthorn Bancshares | 7.1x | n/a | US$166.2m |
FNCB FNCB Bancorp | 7.9x | n/a | US$157.5m |
FNWD Finward Bancorp | 13x | 26.1% | US$162.9m |
CFFI C&F Financial | 6x | n/a | US$162.2m |
Price-To-Earnings vs Peers: CFFI is good value based on its Price-To-Earnings Ratio (6x) compared to the peer average (9.5x).
Price to Earnings Ratio vs Industry
How does CFFI's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: CFFI is good value based on its Price-To-Earnings Ratio (6x) compared to the US Banks industry average (9.6x)
Price to Earnings Ratio vs Fair Ratio
What is CFFI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 6x |
Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CFFI's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CFFI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CFFI ($45.88) is trading below our estimate of fair value ($109.67)
Significantly Below Fair Value: CFFI is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CFFI's PEG Ratio to determine if it is good value.
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Future Growth
How is C&F Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.6%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as C&F Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Examine whether C&F Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
Past Performance
How has C&F Financial performed over the past 5 years?
Past Performance Score
3/6Past Performance Score 3/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
22.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFFI has high quality earnings.
Growing Profit Margin: CFFI's current net profit margins (21.4%) are higher than last year (18.7%).
Past Earnings Growth Analysis
Earnings Trend: CFFI's earnings have grown significantly by 22.3% per year over the past 5 years.
Accelerating Growth: CFFI's earnings growth over the past year (6.4%) is below its 5-year average (22.3% per year).
Earnings vs Industry: CFFI earnings growth over the past year (6.4%) underperformed the Banks industry 20.7%.
Return on Equity
High ROE: CFFI's Return on Equity (13.8%) is considered low.
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Financial Health
How is C&F Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CFFI's Assets to Equity ratio (11.4x) is moderate.
Allowance for Bad Loans: CFFI has a sufficient allowance for bad loans (5198%).
Low Risk Liabilities: 94% of CFFI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFFI has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: CFFI's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: CFFI has an appropriate level of bad loans (0.1%).
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Dividend
What is C&F Financial current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
3.49%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CFFI's dividend (3.49%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: CFFI's dividend (3.49%) is low compared to the top 25% of dividend payers in the US market (4.24%).
Stability and Growth of Payments
Stable Dividend: CFFI's dividends per share have been stable in the past 10 years.
Growing Dividend: CFFI's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (21%), CFFI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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Management
How experienced are the management team and are they aligned to shareholders interests?
8.4yrs
Average management tenure
CEO
Tom Cherry (52 yo)
8.42yrs
Tenure
US$1,157,133
Compensation
Mr. Thomas F. Cherry, also known as Tom, has been the President of C&F Financial Corporation and Citizens and Farmers Bank (formerly known as Citizens & Farmers Bank) since 2014. He has been Chief Executiv...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD1.16M) is below average for companies of similar size in the US market ($USD1.69M).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: CFFI's management team is seasoned and experienced (8.4 years average tenure).
Board Members
Experienced Board: CFFI's board of directors are seasoned and experienced ( 11.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CFFI insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
C&F Financial Corporation's employee growth, exchange listings and data sources
Key Information
- Name: C&F Financial Corporation
- Ticker: CFFI
- Exchange: NasdaqGS
- Founded: 1927
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$162.228m
- Shares outstanding: 3.54m
- Website: https://www.cffc.com
Number of Employees
Location
- C&F Financial Corporation
- 3600 La Grange Parkway
- Toano
- Virginia
- 23168
- United States
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/26 00:00 |
End of Day Share Price | 2022/06/24 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.