Market Price

48.10 

-0.82 -1.7%

as of Jan 23 '19

52 Week Range:

45.28 67.40


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

C&F Financial Corporation operates as a 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, such as 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, 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. Its 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. This segment offers 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 insurance services. C&F Financial Corporation was founded in 1927 and is based in West Point, Virginia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 21.58
21.40
28.97
29.75
29.34
31.35
32.28
35.69
37.62
40.23
42.05
growth rate -0.8% 35.4% 2.7% -1.4% 6.9% 3.0% 10.6% 5.4% 6.9% 4.5%
Earnings BIT 11.82
4.80
7.47
11.06
18.71
24.03
21.11
21.93
21.88
22.49
22.82
growth rate -59.4% 55.6% 48.1% 69.2% 28.4% -12.2% 3.9% -0.2% 2.8% 1.4%
Avg.PE 11.29
11.38
13.18
9.95
7.15
8.01
10.92
10.08
10.60
11.83
27.42
growth rate 0.8% 15.8% -24.5% -28.1% 12.0% 36.3% -7.7% 5.2% 11.6% 131.8%
ROA 1.12
0.51
0.50
0.78
1.29
1.69
1.26
0.93
0.92
0.94
0.44
growth rate -54.5% -2.0% 56.0% 65.4% 31.0% -25.4% -26.2% -1.1% 2.2% -53.2%
ROE 12.73
6.43
5.72
7.67
12.49
16.21
13.39
10.45
9.85
9.96
4.68
growth rate -49.5% -11.0% 34.1% 62.8% 29.8% -17.4% -22.0% -5.7% 1.1% -53.0%
ROIC 11.90
8.69
6.05
7.01
8.47
9.16
7.41
6.46
growth rate -27.0% -30.4% 15.9% 20.8% 8.2% -19.1% -12.8%
Leverage 12.04
13.19
10.00
9.75
9.66
9.56
11.62
10.81
10.72
10.43
10.65
growth rate 9.6% -24.2% -2.5% -0.9% -1.0% 21.6% -7.0% -0.8% -2.7% 2.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 5.24
5.67
6.36
6.42
6.83
7.26
7.59
growth rate 8.2% 12.1% 1.0% 6.4% 6.3% 4.5%
Acct.Payable 1.11
0.84
0.84
1,026.10
1,073.63
1,119.92
1,171.43
growth rate -24.7% 0.7% 121,620.2% 4.6% 4.3% 4.6%
Cur.Assets 203.10
205.46
164.95
184.77
growth rate 1.2% -19.7% 12.0%
Total Assets 855.70
888.40
904.10
928.12
977.00
1,312.30
1,338.19
1,405.08
1,451.99
1,509.06
growth rate 3.8% 1.8% 2.7% 5.3% 34.3% 2.0% 5.0% 3.3% 3.9%
Cash 9.90
38.10
9.70
159.92
14.10
122.50
166.28
151.48
102.05
118.64
growth rate 284.9% -74.5% 1,548.7% -91.2% 768.8% 35.7% -8.9% -32.6% 16.3%
Inventory 0.79
0.94
0.76
0.42
growth rate 19.9% -19.2% -45.1%
Cur.Liabilities 1,041.42
1,086.60
1,134.08
1,196.65
growth rate 4.3% 4.4% 5.5%
Liabilities 790.80
799.60
811.40
832.03
874.80
1,199.40
1,214.58
1,274.02
1,312.78
1,367.35
growth rate 1.1% 1.5% 2.5% 5.1% 37.1% 1.3% 4.9% 3.0% 4.2%
LT Debt 154.08
2,008.00
2,009.00
2,010.00
2,011.00
153.60
158.10
152.59
165.17
152.20
144.74
growth rate 1,203.2% 0.1% 0.1% 0.1% -92.4% 2.9% -3.5% 8.2% -7.9% -4.9%
Equity 65.22
64.90
88.90
92.80
96.09
102.20
112.90
123.61
131.06
139.21
141.70
growth rate -0.5% 37.0% 4.4% 3.6% 6.4% 10.5% 9.5% 6.0% 6.2% 1.8%
Common Shares 3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 2.25
-0.30
-3.10
1.10
1.84
0.89
3.65
1.82
1.81
1.69
3.89
growth rate -100.0% 0.0% 100.0% 67.3% -51.6% 310.1% -50.3% -0.4% -6.5% 130.1%
Cash Dividends 3.77
3.80
4.10
4.10
4.02
3.68
3.85
4.05
4.15
4.46
4.64
growth rate 0.8% 7.9% 0.0% -2.0% -8.4% 4.4% 5.3% 2.4% 7.6% 3.9%
Cash From OA 33.71
21.00
31.80
-13.41
27.99
29.69
63.59
34.18
15.33
27.25
26.59
growth rate -37.7% 51.4% -100.0% 100.0% 6.1% 114.2% -46.3% -55.1% 77.7% -2.4%
FCF per Share 9.95
7.08
10.31
-4.69
19.11
8.71
13.22
12.59
6.22
2.17
14.12
growth rate -28.8% 45.6% -100.0% 100.0% -54.4% 51.8% -4.8% -50.6% -65.1% 550.7%
Sale Purchase of Stock -9.27
-8.49
4.43
0.14
1.44
0.51
0.23
growth rate 0.0% 100.0% -96.8% 898.6% -64.5% -54.8%
FCF 31.00
21.00
31.00
-15.00
26.00
29.00
60.00
32.00
14.00
26.00
22.00
growth rate -32.3% 47.6% -100.0% 100.0% 11.5% 106.9% -46.7% -56.3% 85.7% -15.4%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 67.33
67.90
86.20
86.30
90.96
97.59
101.88
81.05
83.56
88.06
90.30
growth rate 0.9% 27.0% 0.1% 5.4% 7.3% 4.4% -20.5% 3.1% 5.4% 2.5%
Op.Income 4.80
7.50
11.10
12.98
16.38
14.44
17.80
17.38
17.92
17.97
growth rate 56.3% 48.0% 16.9% 26.3% -11.8% 23.3% -2.4% 3.1% 0.3%
IBT 4.80
7.47
11.06
18.71
24.03
21.57
17.49
17.38
17.92
17.97
growth rate 55.6% 48.1% 69.2% 28.4% -10.2% -18.9% -0.6% 3.1% 0.3%
Net Income 4.20
5.50
8.10
12.98
16.40
14.40
12.34
12.53
13.46
6.57
growth rate 31.0% 47.3% 60.2% 26.4% -12.2% -14.3% 1.5% 7.4% -51.2%
EPS 2.68
1.37
1.44
2.24
3.72
4.86
4.19
3.59
3.68
3.89
1.88
growth rate -48.9% 5.1% 55.6% 66.1% 30.7% -13.8% -14.3% 2.5% 5.7% -51.7%
Gross Profit 81.05
83.56
88.06
90.30
growth rate 3.1% 5.4% 2.5%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 5.54
5.32
6.03
growth rate -4.0% 13.4%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 7.11
7.59
7.19
growth rate 6.8% -5.3%
Acct.Payable 1,142.62
1,171.43
1,186.09
1,193.43
1,158.46
growth rate 2.5% 1.3% 0.6% -2.9%
Cur.Assets 169.15
184.77
198.89
202.49
166.99
growth rate 9.2% 7.6% 1.8% -17.5%
Total Assets 1,484.65
1,509.06
1,524.93
1,535.64
1,499.60
growth rate 1.6% 1.1% 0.7% -2.4%
Cash 110.47
118.64
148.05
135.74
109.15
growth rate 7.4% 24.8% -8.3% -19.6%
Inventory 0.17
0.42
0.46
0.42
0.52
growth rate 148.8% 9.6% -9.4% 25.1%
Cur.Liabilities 1,163.00
1,196.65
1,208.58
1,215.44
1,177.03
growth rate 2.9% 1.0% 0.6% -3.2%
Liabilities 1,337.64
1,367.35
1,382.23
1,389.19
1,349.95
growth rate 2.2% 1.1% 0.5% -2.8%
LT Debt 147.23
144.74
147.25
147.26
144.77
growth rate -1.7% 1.7% 0.0% -1.7%
Equity 147.01
141.70
142.70
146.45
149.66
growth rate -3.6% 0.7% 2.6% 2.2%
Common Shares 3.35
3.36
3.37
3.37
3.37
growth rate 0.3% 0.3% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 1.26
1.54
0.62
1.06
0.77
growth rate 22.1% -59.7% 70.2% -27.3%
Cash Dividends 1.15
1.19
1.19
1.19
1.26
growth rate 3.0% 0.3% 0.1% 6.0%
Cash From OA 9.51
0.17
22.15
-6.61
20.68
growth rate -98.2% 12,700.6% -100.0% 100.0%
Sale Purchase of Stock 0.04
0.04
0.04
growth rate -2.7% 0.0%
FCF 8.24
-1.37
21.52
-7.67
19.91
growth rate -100.0% 100.0% -100.0% 100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 22.50
22.03
23.31
25.23
25.12
growth rate -2.1% 5.8% 8.2% -0.5%
Op.Income 4.25
4.08
4.78
6.47
6.44
growth rate -4.0% 17.1% 35.4% -0.4%
IBT 4.25
4.08
4.78
6.47
6.44
growth rate -4.0% 17.1% 35.4% -0.4%
Net Income 3.02
-3.32
3.89
5.07
5.10
growth rate -100.0% 100.0% 30.3% 0.6%
EPS
growth rate
Gross Profit 22.50
22.03
23.31
25.23
25.12
growth rate -2.1% 5.8% 8.2% -0.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (7.52)

YOY Growth Grade:

E (26.80)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.62 15.68 6.66
EPS / Growth 60.7% 3.07 21.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.9% 13.8% 13.8%
Future PE 6.66 16.93 16.93
Future EPS 5.45 11.14 11.14
Value Price
MOS %
8.97
-81.4%
46.61
-3.1%
46.61
-3.1%
MOS Price 4.48 23.31 23.31
IRT 10.94 8.24 8.24

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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