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CFFI

C&F Financial NasdaqGS:CFFI Stock Report

Last Price

US$45.88

Market Cap

US$162.2m

7D

-0.3%

1Y

-10.0%

Updated

26 Jun, 2022

Data

Company Financials
CFFI fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends4/6

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

Summary of all time highs, changes and price drops for C&F Financial
Historical stock prices
Current Share PriceUS$45.88
52 Week HighUS$55.00
52 Week LowUS$45.01
Beta0.45
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 IPO282.33%

Recent News & Updates

Jun 10
C&F Financial (NASDAQ:CFFI) Is Due To Pay A Dividend Of US$0.40

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...

May 27
C&F Financial (NASDAQ:CFFI) Will Pay A Dividend Of US$0.40

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

CFFIUS BanksUS 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

Is CFFI's price volatile compared to industry and market?
CFFI volatility
CFFI Average Weekly Movement3.3%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.2%

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

FoundedEmployeesCEOWebsite
1927650Tom Cherryhttps://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

How do C&F Financial's earnings and revenue compare to its market cap?
CFFI fundamental statistics
Market CapUS$162.23m
Earnings (TTM)US$27.24m
Revenue (TTM)US$127.13m

6.0x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CFFI income statement (TTM)
RevenueUS$127.13m
Cost of RevenueUS$0
Gross ProfitUS$127.13m
Other ExpensesUS$99.89m
EarningsUS$27.24m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)7.70
Gross Margin100.00%
Net Profit Margin21.42%
Debt/Equity Ratio44.5%

How did CFFI perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

21%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is CFFI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation 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.

CFFI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CFFI's PE Ratio compare to its peers?

CFFI PE Ratio vs Peers
The above table shows the PE ratio for CFFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.5x
GRRB GrandSouth Bancorporation
10.1x4.2%US$159.4m
HWBK Hawthorn Bancshares
7.1xn/aUS$166.2m
FNCB FNCB Bancorp
7.9xn/aUS$157.5m
FNWD Finward Bancorp
13x26.1%US$162.9m
CFFI C&F Financial
6xn/aUS$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.

CFFI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6x
Fair PE Ration/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

0/6

Future 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

3/6

Past 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.


Discover strong past performing companies

Financial Health

How is C&F Financial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial 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

4/6

Dividend 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.


Discover strong dividend paying companies

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/26 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.