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C&F Financial Corporation (CFFI)

Stock Price: $31.17 USD 0.67 (2.20%)
Updated Oct 23, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 113.72M
Revenue (ttm) 108.04M
Net Income (ttm) 16.57M
Shares Out 3.65M
EPS (ttm) 4.69
PE Ratio 6.65
Forward PE n/a
Dividend $1.52
Dividend Yield 4.88%

Stock Quote

Trading Day Oct 23, 2020
Last Price $31.17
Previous Close $30.50
Change ($) 0.67
Change (%) 2.20%
Day's Open 30.85
Day's Range 30.18 - 31.60
Day's Volume 31,038
52-Week Range 28.00 - 57.61

More Stats

Market Cap 113.72M
Enterprise Value 124.76M
Earnings Date (est) n/a
Ex-Dividend Date Sep 14, 2020
Shares Outstanding 3.65M
Float 3.43M
EPS (basic) 4.71
EPS (diluted) 4.69
FCF / Share -15.63
Dividend $1.52
Dividend Yield 4.88%
Earnings Yield 15.05%
FCF Yield n/a
Payout Ratio 32.10%
Shares Short 23,293
Short Ratio 4.21
Short % of Float 0.68%
Beta 0.47
PE Ratio 6.65
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 1.05
PB Ratio 0.62
Revenue 108.04M
Operating Income 21.09M
Net Income 16.57M
Free Cash Flow -57.01M
Net Cash -11.04M
Net Cash / Share -3.02
Gross Margin 98.01%
Operating Margin 19.52%
Profit Margin 15.30%
FCF Margin -52.77%
ROA 0.94%
ROE 9.70%
ROIC 1.20%
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: $31.17
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 the bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking segment 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 debit and credit cards; and safe deposit box rentals, notary public, electronic transfer, ATMs, internet and mobile banking, and other customary bank services. This segment provides its services through its main office in West Point, Virginia, as well as through 29 Virginia branches located one each in Cartersville, Charlottesville, Chester, Cumberland, Fredericksburg, Hampton, Mechanicsville, Montross, Newport News, Norge, Powhatan, Providence Forge, Quinton, Saluda, Sandston, Warsaw, West Point, and Yorktown; two each in King George and Williamsburg; three in Midlothian; and four in Richmond. 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 12 offices in Virginia, two offices in Maryland, and two offices in North Carolina, as well as through one each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. Its Other segment offers brokerage and wealth management services. 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.