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C&F Financial Corporation (CFFI)

Stock Price: $31.79 USD 1.99 (6.68%)
Updated Aug 4, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 115.95M
Revenue (ttm) 105.76M
Net Income (ttm) 18.67M
Shares Out 3.65M
EPS (ttm) 4.69
PE Ratio 6.78
Forward PE n/a
Dividend $1.52
Dividend Yield 4.78%

Stock Quote

Trading Day Aug 4, 2020
Last Price $31.79
Previous Close $29.80
Change ($) 1.99
Change (%) 6.68%
Day's Open -
Day's Range 29.25 - 31.89
Day's Volume 13,929
52-Week Range 28.00 - 57.61

More Stats

Market Cap 115.95M
Enterprise Value 127.88M
Earnings Date (est) n/a
Ex-Dividend Date Jun 12, 2020
Shares Outstanding 3.65M
Float 3.44M
EPS (basic) 5.37
EPS (diluted) 4.69
FCF / Share -14.29
Dividend $1.52
Dividend Yield 4.78%
Earnings Yield 14.75%
FCF Yield n/a
Payout Ratio 27.90%
Shares Short 26,182
Short Ratio 4.19
Short % of Float 0.81%
Beta 0.48
PE Ratio 6.78
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 1.10
PB Ratio 0.60
Revenue 105.76M
Operating Income 23.87M
Net Income 18.67M
Free Cash Flow -52.25M
Net Cash -11.93M
Net Cash / Share -3.27
Gross Margin 98.29%
Operating Margin 22.57%
Profit Margin 17.50%
FCF Margin -49.41%
ROA 0.94%
ROE 9.70%
ROIC 1.40%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$34.00*
Low
34.0
Current: $31.79
High
34.0
Target: 34.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue10496.2790.7988.4883.5681.0578.1775.0764.9271.35
Revenue Growth7.98%6.04%2.61%5.89%3.1%3.68%4.13%15.63%-9.02%-
Gross Profit10496.2790.7988.4883.5681.0578.1775.0764.9271.35
Operating Income23.9322.5417.9717.9217.3817.4921.5724.0318.7111.06
Net Income18.8618.026.5713.4612.5312.3414.4416.3812.988.11
Shares Outstanding3.423.503.493.453.403.403.353.233.143.09
Earnings Per Share5.475.151.883.893.683.594.194.863.722.24
EPS Growth6.21%173.94%-51.67%5.71%2.51%-14.32%-13.79%30.65%66.07%-
Dividend Per Share1.491.411.331.291.221.191.161.081.011.00
Dividend Growth5.67%6.02%3.1%5.74%2.52%2.59%7.41%6.93%1%-
Operating Cash Flow-15.1647.1225.7826.9815.3334.1863.5929.2827.99-13.41
Capital Expenditures-2.71-3.37-4.18-1.69-1.81-1.82-3.65-0.89-1.84-1.14
Free Cash Flow-17.8743.7521.6025.2913.5232.3659.9428.3926.15-14.55
Cash & Equivalents16511511910315316814825.6211.519.68
Total Debt161160168165177167170163161164
Net Cash / Debt4.26-44.68-48.44-61.37-24.320.59-21.70-137-150-154
Assets1,6571,5211,5091,4521,4051,3381,312977928904
Liabilities1,4921,3691,3671,3131,2741,2151,199875832811
Book Value16515214213913112411310296.0992.78
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name C&F Financial Corporation
Country United States
Employees 643
CEO Thomas F. Cherry

Stock Information

Ticker Symbol CFFI
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: CFFI
IPO Date January 22, 1998

Description

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. This segment offers its services through its main office in West Point, Virginia, as well as through 25 Virginia branches located 1 each in Cartersville, Charlottesville, Chester, Cumberland, Hampton, Mechanicsville, Newport News, Norge, Powhatan, Providence Forge, Quinton, Saluda, Sandston, West Point, and Yorktown; 2 in Williamsburg; 4 in Richmond; and 4 in Midlothian. The company's Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 2 offices in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia; and Nashville, Tennessee. Its Other segment offers brokerage and wealth management services; and insurance products. The company also provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.