C & F FINANCIAL CORP (CFFI)
US12466Q1040 - Common Stock
CFFI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. CFFI has a bad profitability rating. Also its financial health evaluation is rather negative. CFFI has a valuation in line with the averages, but it does not seem to be growing. Finally CFFI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CFFI had positive earnings in the past year.
In the past year CFFI had a positive cash flow from operations.
CFFI had positive earnings in each of the past 5 years.
In multiple years CFFI reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of CFFI (0.97%) is better than 60.58% of its industry peers.
CFFI has a Return On Equity of 10.89%. This is in the better half of the industry: CFFI outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 10.89% | ||
| ROIC | N/A |
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)13.15%
ROE(5y)12.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 18.54%, CFFI is doing worse than 71.53% of the companies in the same industry.
CFFI's Profit Margin has improved in the last couple of years.
CFFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.54% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.23%
PM growth 5Y2.13%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFFI has been reduced compared to 1 year ago.
The number of shares outstanding for CFFI has been reduced compared to 5 years ago.
The debt/assets ratio for CFFI is higher compared to a year ago.
2.2 Solvency
CFFI has a debt to FCF ratio of 2.93. This is a good value and a sign of high solvency as CFFI would need 2.93 years to pay back of all of its debts.
The Debt to FCF ratio of CFFI (2.93) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.51 indicates that CFFI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, CFFI is not doing good in the industry: 69.83% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 2.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CFFI have decreased strongly by -16.89% in the last year.
Measured over the past 5 years, CFFI shows a small growth in Earnings Per Share. The EPS has been growing by 6.08% on average per year.
Looking at the last year, CFFI shows a small growth in Revenue. The Revenue has grown by 4.40% in the last year.
Measured over the past years, CFFI shows a small growth in Revenue. The Revenue has been growing by 3.37% on average per year.
EPS 1Y (TTM)-16.89%
EPS 3Y4.11%
EPS 5Y6.08%
EPS growth Q2Q-34.35%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-2.86%
Revenue growth 5Y3.37%
Revenue growth Q2Q-10.04%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.61, which indicates a rather cheap valuation of CFFI.
Based on the Price/Earnings ratio, CFFI is valued cheaply inside the industry as 94.16% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CFFI to the average of the S&P500 Index (25.20), we can say CFFI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.61 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFFI indicates a rather cheap valuation: CFFI is cheaper than 94.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.92
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFFI has a Yearly Dividend Yield of 4.76%, which is a nice return.
The stock price of CFFI dropped by -34.89% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.86, CFFI pays a bit more dividend than its industry peers.
CFFI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.76% |
5.2 History
The dividend of CFFI has a limited annual growth rate of 4.46%.
CFFI has been paying a dividend for at least 10 years, so it has a reliable track record.
CFFI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.46%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
25.36% of the earnings are spent on dividend by CFFI. This is a low number and sustainable payout ratio.
CFFI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.36%
EPS Next 2YN/A
EPS Next 3YN/A
C & F FINANCIAL CORP
NASDAQ:CFFI (4/26/2024, 1:24:19 PM)
38.84
+1.1 (+2.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap130.89M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.76% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.61 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 10.89% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 18.54% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-16.89%
EPS 3Y4.11%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-2.86%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y