C&F Financial
Market Cap
US$180.8m
Last Updated
2019/10/22 23:33 UTC
Data Sources
Company Financials
Executive Summary
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses.
Snowflake
Fundamentals
Flawless balance sheet with proven track record.
Similar Companies
Share Price & News
How has C&F Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.02%
CFFI
2.9%
US Banks
0.07%
US Market
1 Year Return
3.0%
CFFI
8.6%
US Banks
8.9%
US Market
Return vs Industry: CFFI underperformed the US Banks industry which returned 8.6% over the past year.
Return vs Market: CFFI underperformed the US Market which returned 8.9% over the past year.
Shareholder returns
| CFFI | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.02% | 2.9% | 0.07% |
| 30 Day | -1.5% | 3.4% | -0.3% |
| 90 Day | 1.9% | 2.1% | -1.6% |
| 1 Year | 6.0%3.0% | 11.8%8.6% | 11.3%8.9% |
| 3 Year | 35.2%24.7% | 54.8%44.1% | 46.3%36.8% |
| 5 Year | 75.4%51.7% | 70.2%51.6% | 62.1%44.3% |
Price Volatility Vs. Market
How volatile is C&F Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
21 hours ago | Simply Wall St
The C&F Financial (NASDAQ:CFFI) Share Price Is Up 59% And Shareholders Are Holding On2 weeks ago | Simply Wall St
Three Things You Should Check Before Buying C&F Financial Corporation (NASDAQ:CFFI) For Its Dividend1 month ago | Simply Wall St
I Ran A Stock Scan For Earnings Growth And C&F Financial (NASDAQ:CFFI) Passed With EaseValuation
Is C&F Financial undervalued compared to its fair value and its price relative to the market?
9.86x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CFFI ($52.8) is trading above our estimate of fair value ($34.48)
Significantly Below Fair Value: CFFI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CFFI is good value based on its PE Ratio (9.9x) compared to the Banks industry average (12.6x).
PE vs Market: CFFI is good value based on its PE Ratio (9.9x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CFFI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CFFI is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is C&F Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
2.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CFFI's forecast earnings growth (2.3% per year) is below the savings rate (2.7%).
Earnings vs Market: CFFI's earnings (2.3% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: CFFI's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if CFFI's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if CFFI's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CFFI's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has C&F Financial performed over the past 5 years?
2.9%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: CFFI's earnings have grown by 2.9% per year over the past 5 years.
Accelerating Growth: CFFI's earnings growth over the past year (115.5%) exceeds its 5-year average (2.9% per year).
Earnings vs Industry: CFFI earnings growth over the past year (115.5%) exceeded the Banks industry 29.7%.
Return on Equity
High ROE: CFFI's Return on Equity (11.7%) is considered low.
Return on Assets
ROA vs Industry: CFFI has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate CFFI's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is C&F Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: CFFI has a low level of unsold assets or inventory.
Debt Coverage by Assets: CFFI's debt is covered by short term assets (assets are 1.194400x debt).
Financial Institutions Analysis
Asset Level: CFFI's level of assets compared to its equity is low.
Allowance for Bad Loans: CFFI has a sufficient allowance for bad loans.
Low Risk Liabilities: CFFI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFFI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CFFI's loans are broadly funded by customer deposits.
Level of Bad Loans: CFFI has an appropriate level of bad loans (0.12%)
Next Steps
Dividend
What is C&F Financial's current dividend yield, its reliability and sustainability?
2.80%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: CFFI's dividend (2.8%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: CFFI's dividend (2.8%) is low compared to the top 25% of dividend payers in the US market (3.68%).
Stable Dividend: CFFI's dividend payments have been volatile in the past 10 years.
Growing Dividend: CFFI's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (27.5%), 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 and that it will be covered by earnings.
Next Steps
Management
What is the CEO of C&F Financial's salary, the management and board of directors tenure and is there insider trading?
3.6yrs
Average management tenure
CEO
Tom Cherry (50yo)
0.8yrs
Tenure
US$847,812
Compensation
Mr. Thomas F. Cherry, also known as Tom, has been the President of C&F Financial Corporation and Citizens & Farmers Bank since 2014. He has been Chief Executive Officer at C&F Financial Corporation and Cit ...
CEO Compensation Analysis
Compensation vs. Market: Tom has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Management Age and Tenure
3.6yrs
Average Tenure
61yo
Average Age
Experienced Management: CFFI's management team is considered experienced (3.6 years average tenure).
Board Age and Tenure
15.1yrs
Average Tenure
63.5yo
Average Age
Experienced Board: CFFI's board of directors are seasoned and experienced ( 15.1 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chairman of the Board Executive Chairman |
| Shares | 1,749 |
| Max Price | US$51.00 |
| Entity | Individual |
| Role | Chief Executive Officer President |
| Shares | 1,772 |
| Max Price | US$51.00 |
| Entity | Individual |
| Role | Unit CEO President and CEO of C&F Mortgage Corporation |
| Shares | 255 |
| Max Price | US$51.00 |
Ownership Breakdown
Management Team
Mary-Jo Rawson (65yo)
Senior VP & Controller
- Tenure: 0yrs
Larry Dillon (66yo)
Executive Chairman
- Tenure: 22.3yrs
- Compensation: US$933.51k
Tom Cherry (50yo)
President
- Tenure: 0.8yrs
- Compensation: US$847.81k
Bryan McKernon (63yo)
President and CEO of C&F Mortgage Corporation
- Tenure: 24.8yrs
- Compensation: US$705.23k
Rodney Overby
Senior VP & Chief Information Officer
- Tenure: 3.4yrs
S. Crone (50yo)
President of C&F Finance Company
- Tenure: 9.8yrs
- Compensation: US$464.83k
Tony Seaman (61yo)
Executive VP & Chief Credit Officer of C&F Bank
- Tenure: 8yrs
- Compensation: US$321.34k
Jason Long (40yo)
Secretary
- Tenure: 3.6yrs
- Compensation: US$328.34k
Board Members
John Causey (75yo)
Independent Director
- Tenure: 25.8yrs
- Compensation: US$60.18k
Larry Dillon (66yo)
Executive Chairman
- Tenure: 22.3yrs
- Compensation: US$933.51k
Tom Cherry (50yo)
President
- Tenure: 0.8yrs
- Compensation: US$847.81k
Jim Napier (66yo)
Director
- Tenure: 3.7yrs
- Compensation: US$49.43k
Paul Robinson (61yo)
Independent Director
- Tenure: 19.8yrs
- Compensation: US$44.53k
Jim Hudson (70yo)
Independent Director
- Tenure: 22.8yrs
- Compensation: US$48.53k
Barry Chernack (71yo)
Independent Director
- Tenure: 17.8yrs
- Compensation: US$61.21k
Audrey Holmes (61yo)
Independent Director
- Tenure: 12.5yrs
- Compensation: US$44.98k
C. Olsson (54yo)
Independent Director
- Tenure: 12.5yrs
- Compensation: US$52.53k
Julie Agnew (50yo)
Director
- Tenure: 2.5yrs
- Compensation: US$50.33k
Company Information
C&F Financial Corporation's company bio, 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
- Market Cap: US$180.763m
- Shares outstanding: 3.42m
- Website: https://www.cffc.com
Number of Employees
Location
- C&F Financial Corporation
- 802 Main Street
- PO Box 391
- West Point
- Virginia
- 23181
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CFFI | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Dec 1997 |
Biography
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 ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/22 23:33 |
| End of Day Share Price | 2019/10/22 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.