C&F Financial Corporation operates as the bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. More Details
Flawless balance sheet, undervalued and pays a dividend.
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
Stable Share Price: CFFI has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CFFI underperformed the US Banks industry which returned -28.2% over the past year.
Return vs Market: CFFI underperformed the US Market which returned 17.2% over the past year.
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
3 weeks ago | Simply Wall StReflecting on C&F Financial's (NASDAQ:CFFI) Share Price Returns Over The Last Year
2 months ago | Simply Wall StDo Insiders Own Lots Of Shares In C&F Financial Corporation (NASDAQ:CFFI)?
3 months ago | Simply Wall StWhat Is C&F Financial's (NASDAQ:CFFI) P/E Ratio After Its Share Price Rocketed?
Is C&F Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CFFI ($29.7) is trading below our estimate of fair value ($52.26)
Significantly Below Fair Value: CFFI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CFFI is good value based on its PE Ratio (6.3x) compared to the US Banks industry average (9.4x).
PE vs Market: CFFI is good value based on its PE Ratio (6.3x) compared to the US market (17.9x).
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 (0.6x) compared to the US Banks industry average (0.8x).
How is C&F Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has C&F Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFFI has a high level of non-cash earnings.
Growing Profit Margin: CFFI's current net profit margins (15.6%) are lower than last year (18.8%).
Past Earnings Growth Analysis
Earnings Trend: CFFI's earnings have grown by 9.2% per year over the past 5 years.
Accelerating Growth: CFFI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CFFI had negative earnings growth (-11.3%) over the past year, making it difficult to compare to the Banks industry average (-3%).
Return on Equity
High ROE: CFFI's Return on Equity (9.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: CFFI's Assets to Equity ratio (10.8x) is moderate.
Allowance for Bad Loans: CFFI has a sufficient allowance for bad loans (1691%).
Low Risk Liabilities: 91% 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 (65%).
Low Risk Deposits: CFFI's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: CFFI has an appropriate level of bad loans (0.2%).
What is C&F Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CFFI's dividend (5.12%) is higher than the bottom 25% of dividend payers in the US market (1.72%).
High Dividend: CFFI's dividend (5.12%) is in the top 25% of dividend payers in the US market (4.89%)
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
Dividend Coverage: With its reasonably low payout ratio (32.2%), 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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Cherry (51 yo)
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's total compensation ($USD939.65K) is above average for companies of similar size in the US market ($USD598.77K).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
|Executive Chairman||23.17yrs||US$682.42k||1.2% |
|President and CEO of C&F Mortgage Corporation||25.67yrs||US$1.12m||0.41% |
|President and CEO of C&F Finance Company||no data||US$491.21k||0.31% |
|Executive VP & Chief Information Officer||4.33yrs||no data||no data|
|Senior VP & Controller||no data||no data||no data|
|Executive VP & Chief Credit Officer of C&F Bank||8.92yrs||US$321.34k||0.17% |
Experienced Management: CFFI's management team is considered experienced (4.4 years average tenure).
|Executive Chairman||23.17yrs||US$682.42k||1.2% |
|Independent Director||26.67yrs||US$62.61k||0.75% |
|Independent Director||0.83yr||US$5.49k||0.020% |
|Independent Director||4.5yrs||US$52.35k||0.096% |
|Independent Director||20.67yrs||US$49.46k||0.38% |
|Independent Director||23.67yrs||US$51.96k||0.36% |
|Independent Director||13.42yrs||US$48.93k||0.40% |
|Lead Independent Director||0.50yr||US$53.43k||0.34% |
|Independent Director||0.50yr||no data||0.069% |
|Independent Director||3.42yrs||US$53.26k||0.056% |
|Independent Director||3.42yrs||US$51.34k||0.056% |
Experienced Board: CFFI's board of directors are considered experienced (5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 6.3%.
C&F Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: C&F Financial Corporation
- Ticker: CFFI
- Exchange: NasdaqGS
- Founded: 1927
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$108.363m
- Shares outstanding: 3.65m
- Website: https://www.cffc.com
Number of Employees
- C&F Financial Corporation
- 802 Main Street
- PO Box 391
- West Point
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CFFI||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Dec 1997|
C&F Financial Corporation operates as the bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company’s Retail Banking segment offers variou ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/09/30 23:45|
|End of Day Share Price||2020/09/30 00:00|
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.