C & F FINANCIAL CORP(NASDAQ:CFFI) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to CFFI. CFFI was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of CFFI have multiple concerns. CFFI does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year CFFI was profitable.

CFFI had a positive operating cash flow in the past year.

Each year in the past 5 years CFFI has been profitable.

The reported operating cash flow has been mixed in the past 5 years: CFFI reported negative operating cash flow in multiple years.

1.2 Ratios

CFFI has a Return On Assets (0.74%) which is in line with its industry peers.

CFFI has a Return On Equity (8.30%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.3%
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

CFFI's Profit Margin of 14.79% is on the low side compared to the rest of the industry. CFFI is outperformed by 74.12% of its industry peers.

In the last couple of years the Profit Margin of CFFI has grown nicely.

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)	14.79%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CFFI does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CFFI has less shares outstanding

CFFI has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, CFFI has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of CFFI is 8.63, which is on the high side as it means it would take CFFI, 8.63 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 8.63, CFFI is not doing good in the industry: 70.85% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.63 indicates that CFFI is somewhat dependend on debt financing.

CFFI has a worse Debt to Equity ratio (0.63) than 81.16% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.63
Debt/FCF	8.63
Altman-Z	N/A

ROIC/WACCN/A

WACC12.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CFFI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.39%.

The Earnings Per Share has been growing slightly by 6.08% on average over the past years.

CFFI shows a decrease in Revenue. In the last year, the revenue decreased by -2.55%.

CFFI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.37% yearly.

EPS 1Y (TTM)-32.39%

EPS 3Y4.11%

EPS 5Y6.08%

EPS Q2Q%-3.28%

Revenue 1Y (TTM)-2.55%

Revenue growth 3Y-2.86%

Revenue growth 5Y3.37%

Sales Q2Q%9.78%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.02 indicates a correct valuation of CFFI.

CFFI's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 28.29. CFFI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	13.02
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CFFI.

		Industry Rank	Sector Rank
P/FCF	14.47
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.14

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CFFI has a Yearly Dividend Yield of 2.46%.

CFFI's Dividend Yield is slightly below the industry average, which is at 3.22.

Compared to an average S&P500 Dividend Yield of 2.28, CFFI has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.46%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)4.46%

Div Incr Years13

Div Non Decr Years13

5.3 Sustainability

CFFI pays out 31.00% of its income as dividend. This is a sustainable payout ratio.

The dividend of CFFI is growing, but earnings are growing more, so the dividend growth is sustainable.

DP31%

EPS Next 2YN/A

EPS Next 3YN/A

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C & F FINANCIAL CORP

NASDAQ:CFFI (1/22/2025, 10:31:03 AM)

73.85

-0.21 (-0.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-24 2024-10-24/amc

Earnings (Next)01-22 2025-01-22

Inst Owners34.01%

Inst Owner Change0.29%

Ins Owners6.88%

Ins Owner Change-4.21%

Market Cap238.54M

Analysts0

Price TargetN/A

Short Float %0.9%

Short Ratio2.53

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.46%

Yearly Dividend1.74

Dividend Growth(5Y)4.46%

DP31%

Div Incr Years13

Div Non Decr Years13

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	13.02
Fwd PE	N/A
P/S	1.87
P/FCF	14.47
P/OCF	11.92
P/B	1.05
P/tB	1.19
EV/EBITDA	N/A

EPS(TTM)5.67

EY7.68%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)5.11

FCFY6.91%

OCF(TTM)6.19

OCFY8.39%

SpS39.5

BVpS70.38

TBVpS62.21

PEG (NY)N/A

PEG (5Y)2.14

Profitability

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.79%
GM	N/A
FCFM	12.92%

ROA(3y)1.16%

ROA(5y)1.14%

ROE(3y)13.15%

ROE(5y)12.47%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/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

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.63
Debt/FCF	8.63
Debt/EBITDA	N/A
Cap/Depr	92.02%
Cap/Sales	2.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	87.41%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.15%

ROIC/WACCN/A

Cap/Depr(3y)72.34%

Cap/Depr(5y)105.82%

Cap/Sales(3y)2.5%

Cap/Sales(5y)3.45%

Profit Quality(3y)329.53%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-32.39%

EPS 3Y4.11%

EPS 5Y6.08%

EPS Q2Q%-3.28%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.55%

Revenue growth 3Y-2.86%

Revenue growth 5Y3.37%

Sales Q2Q%9.78%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-84.11%

FCF growth 3YN/A

FCF growth 5Y-3.31%

OCF growth 1Y-81.23%

OCF growth 3YN/A

OCF growth 5Y-4%

C & F FINANCIAL CORP (CFFI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens