Stock Scorecard



Stock Summary for C & F Financial Corp (CFFI)

Total Score

19 out of 29

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for CFFI

Positive earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for CFFI

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for CFFI

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2

Bonus Criteria for CFFI

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Financial Details for CFFI

Company Overview

Company Name C & F Financial Corp
Country USA
Description C&F Financial Corporation is the banking holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company is headquartered in Toano, Virginia.
Sector Name FINANCE
Industry Name STATE COMMERCIAL BANKS
Most Recent Quarter 9/30/2022
Next Earnings Date 1/23/2023

Stock Price History

Last Day Price 56.01
Last Day Volume 3,222
Average Daily Volume 3,939
52-Week High 61.50
52-Week Low 42.74
Last Price to 52 Week Low 31.05 %

Valuation Measures

Trailing PE 7.99
Industry PE 10.79
Sector PE 25.68
5-Year Average PE 8.06
Free Cash Flow Ratio 1.96
Industry Free Cash Flow Ratio 5.96
Sector Free Cash Flow Ratio 14.33
Book Value Per Share Most Recent Quarter 52.92
Price to Book Ratio 1.01
Industry Price to Book Ratio 1.26
Sector Price to Book Ratio 2.53
Price to Sales Ratio Twelve Trailing Months 1.68
Industry Price to Sales Ratio Twelve Trailing Months 2.96
Sector Price to Sales Ratio Twelve Trailing Months 2.81

Share Statistics

Total Shares Outstanding 3,478,200
Market Capitalization 194,813,982
Institutional Ownership 0.00 %

Dividends

Ex-Dividend Date 12/14/2022
Last Dividend Amount 0.42
Current Dividend Amount 0.42
Dividend Aristocrat? False
Forward Annual Dividend Rate 0.00
Forward Annual Dividend Yield 0.00 %
Trailing Annual Dividend Rate 1.62
Trailing Annual Dividend Yield 3.01 %
5-Year Average Dividend Yield 0.00 %
5-Year Dividend Payments Count 21
Dividend Payout Ratio 0.00 %

Income Statement

Quarterly Earnings Growth YOY -14.60 %
Annual Earnings Growth 29.62 %
Reported EPS Past Year 5.35
Reported EPS Prior Year 7.94
Net Income Twelve Trailing Months 24,775,000
Net Income Past Year 28,667,000
Net Income Prior Year 22,117,000
Quarterly Revenue Growth YOY -11.10 %
5-Year Revenue Growth 3.59 %

Balance Sheet

Total Cash Per Share 28.59
Total Cash Most Recent Quarter 99,448,000
Total Cash Past Year 267,745,000
Total Cash Prior Year 88,149,000
Net Cash Position Most Recent Quarter 74,070,000
Net Cash Position Past Year 212,019,000
Long Term Debt Past Year 55,726,000
Long Term Debt Prior Year 55,714,000
Total Debt Most Recent Quarter 25,378,000
Equity to Debt Ratio Past Year 0.79
Equity to Debt Ratio Most Recent Quarter 0.88
Current Ratio Most Recent Quarter 3.53
Total Stockholder Equity Past Year 210,318,000
Total Stockholder Equity Prior Year 193,805,000
Total Stockholder Equity Most Recent Quarter 184,767,000

Options

Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis

MACD -0.11
MACD Signal -0.39
20-Day Bollinger Lower Band 44.24
20-Day Bollinger Middle Band 51.90
20-Day Bollinger Upper Band 59.56
Beta 0.30
RSI 54.66
50-Day SMA 50.17
200-Day SMA 43.87

System

Modified 12/1/2022 3:58:11 AM