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EPS growth is an important number as it indicates the future prospects of C&F Financial Corporation. The EPS growth rate, as it is typically called, is usually expressed as a percentage, which at this time is hard to estimate, but revenue growth has been -0.30 % over the last twelve months. The higher the EPS growth rate, the higher the value that is added to shareholders and a good reflection on the performance of the management at C&F Financial Corporation.



C&F Financial Corporation is part of the banking industry and is in the financial services sector. The company CEO is Larry G. Dillon. C&F Financial Corp through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Retail Banking, Mortgage Banking and Consumer Finance.

Previous Intraday Performance:

The CFFI shares had a previous change of 1.62% which opened at 51.25 and closed at 52.58. It moved to an intraday high of 54.43 and a low of 51.25.

SeekingAlpha:  C&F Financial reports Q3 results

Historical Performance:

Over the last five trading days, CFFI shares returned -2.12% and in the past 30 trading days it returned 0.06%. Over three months, it changed -19.49%. In one year it has changed -6.67% and within that year its 52-week high was 67.40 and its 52-week low was 45.28. CFFI stock is 16.13% above its 52 Week Low.

Our calculations result in a 200 day moving average of 57.06 and a 50 day moving average of 54.39. Right now, CFFI stock is trading -7.85% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

SeekingAlpha:  C&F Financial reports Q3 results

Liquidity:

The company has a market cap of $184.2m with 3.5m shares outstanding and a float of 3.3m shares. Trading volume was 11,932 shares and has experienced an average volume of 7,739 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for C&F Financial Corporation was 1.88 which ended on 31st of December 2017, which according to the previous close, that is a PE of 27.97.

Below was the last reported quarterly earnings per share:
09-30-2018:  1.46
06-30-2018:  1.45
03-31-2018:  1.11
12-31-2017:  0.95

The dividend per share is currently 1.48, which is a dividend yield of 2.81%.



Base on our calculations, the intrinsic value per share is 30.65, which means it might overvalued by -71.54%

Indicators Also to Watch:

Based on the latest filings, there is 6.50% of insider ownership and 33.70% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 1.09

SeekingAlpha:  Natural gas jumps as cold air descends on U.S. Midwest

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 7.25%, return on assets is 0.72%, profit margin is 9.08%, price-to-sales is 1.53 and price-to-book is 1.57.

Company Score Card:

Results are out of six:
 1  : Growth Expectations Result
 6  : Financial Safety Result
 0  : Past Performance Result
 2  : Valuation Result
 3  : Dividend Safety Result
 2  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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