ScoreWhy is C&F Financial Corp. ?
1
High Profitability with a Net Interest Margin of 1.38%
2
Strong Long Term Fundamental Strength with a 8.13% CAGR growth in Net Profits
3
Positive results in Jun 25
- NII(Q) Highest at USD 26.51 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 37.41 MM
4
With ROA of 0.67%, it has a fair valuation with a 0.90 Price to Book Value
- Over the past year, while the stock has generated a return of -9.24%, its profits have risen by 6% ; the PEG ratio of the company is 0.9
5
High Institutional Holdings at 44.4%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.92% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to C&F Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is C&F Financial Corp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
C&F Financial Corp.
-9.34%
1.29
40.57%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.71%
EBIT Growth (5y)
6.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
29.28%
Pledged Shares
0
Institutional Holding
44.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.90
EV to EBIT
9.59
EV to EBITDA
8.14
EV to Capital Employed
0.90
EV to Sales
1.52
PEG Ratio
0.91
Dividend Yield
2.86%
ROCE (Latest)
9.42%
ROE (Latest)
9.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 26.51 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 37.41 MM
OPERATING PROFIT(Q)
Highest at USD 9.63 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.73 %
PRE-TAX PROFIT(Q)
Highest at USD 9.63 MM
NET PROFIT(Q)
Highest at USD 7.69 MM
EPS(Q)
Highest at USD 2.37
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 18.87 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 31.38 MM
Here's what is working for C&F Financial Corp.
NII
Highest at USD 26.51 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 37.41 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 9.63 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.73 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 9.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 9.63 MM has Grown at 44.44%
over average net sales of the previous four periods of USD 6.66 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 7.69 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 7.69 MM has Grown at 41.11%
over average net sales of the previous four periods of USD 5.45 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.37
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for C&F Financial Corp.
Non Performing Loans (%)
Highest at 0.09%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 18.87 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 31.38 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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