C&F Finance

The Company owns and operates through its subsidiary, Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank. The Company's segments include Retail Banking, Mortgage Banking, Consumer Finance and Other. Through the Retail Banking segment, the Company engages in a range of lending activities, which include the origination of one- to four-family and multi-family residential mortgage loans, commercial real estate loans, construction loans, land acquisition and development loans, consumer loans and commercial business loans. The Company engages in residential mortgage lending through the Mortgage Banking segment. The Company engages in non-prime automobile lending through the Consumer Finance segment. Its Other segment includes a full-service brokerage firm. It conducts mortgage banking activities through C&F Mortgage Corporation. It conducts consumer finance activities through C&F Finance Company.

Company Growth (employees)
Type
Public
HQ
Henrico, US
Founded
1995
Size (employees)
636 (est)
Website
cffc.com
C&F Finance was founded in 1995 and is headquartered in Henrico, US

C&F Finance Office Locations

C&F Finance has an office in Henrico
Henrico, US (HQ)
4660 S Laburnum Ave

C&F Finance Data and Metrics

C&F Finance Financial Metrics

C&F Finance's revenue was reported to be $28.2 m in Q1, 2017
USD

Revenue (Q1, 2017)

28.2 m

Gross profit (Q1, 2017)

25.9 m

Gross profit margin (Q1, 2017), %

92%

Net income (Q1, 2017)

2.7 m

EBIT (Q1, 2017)

15.4 m

Market capitalization (17-Aug-2017)

167.4 m

Cash (31-Mar-2017)

120.5 m
C&F Finance's current market capitalization is $167.4 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

80.2 m106.1 m107.8 m115.1 m

Revenue growth, %

32%2%7%

Cost of goods sold

8.6 m8.5 m8.7 m9 m

Gross profit

71.6 m97.5 m99.1 m106.1 m

Gross profit Margin, %

89%92%92%92%

Sales and marketing expense

41.9 m

Operating expense total

41.9 m

EBIT

56.5 m61.6 m62.8 m62.4 m

EBIT margin, %

70%58%58%54%

Interest income

71.6 m78 m78.4 m80.5 m

Pre tax profit

21.1 m17.1 m17.4 m17.9 m

Income tax expense

6.7 m4.7 m4.9 m4.5 m

Net Income

14.4 m12.3 m12.5 m13.5 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

26.9 m27.6 m27.1 m30 m29.4 m28.2 m

Cost of goods sold

2.2 m2.3 m2.3 m2.2 m2.2 m2.3 m

Gross profit

24.7 m25.3 m24.9 m27.8 m27.2 m25.9 m

Gross profit Margin, %

92%92%92%93%92%92%

Sales and marketing expense

9.9 m9.1 m10.2 m10.5 m10.8 m10.7 m

Operating expense total

9.9 m9.1 m10.2 m10.5 m10.8 m10.7 m

EBIT

17 m16.4 m15.1 m16.5 m15.5 m15.4 m

EBIT margin, %

63%59%56%55%53%54%

Pre tax profit

5.9 m4.9 m3.2 m6.6 m4.3 m3.7 m

Income tax expense

1.8 m1.4 m752 k1.8 m1.2 m921 k

Net Income

6.6 m9.9 m2.6 m6.7 m10.2 m2.4 m7.2 m10.3 m2.7 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

148.1 m167.6 m152.9 m103.2 m

Accounts Receivable

6.4 m6.4 m6.8 m7.3 m

Goodwill

16.6 m14.4 m14.4 m14.4 m

Total Assets

1.3 b1.3 b1.4 b1.5 b

Accounts Payable

843 k740 k698 k1.1 b

Total Debt

144.8 m141.9 m152.1 m139.4 m

Total Liabilities

1.3 b

Common Stock

3.3 m3.3 m3.3 m3.3 m

Additional Paid-in Capital

10.7 m9.5 m10.4 m11.7 m

Retained Earnings

99.3 m107.5 m116.2 m125.2 m

Total Equity

131.1 m139.2 m

Debt to Equity Ratio

1.2 x1 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

10.7 x10.4 x
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

139.3 m145.4 m151.2 m92.5 m89 m120.5 m

Goodwill

14.4 m14.4 m14.4 m14.4 m14.4 m14.4 m

Total Assets

1.4 b1.4 b1.4 b1.4 b1.4 b1.5 b

Accounts Payable

1 b1 b1.1 b1.1 b1.1 b1.1 b

Common Stock

3.3 m3.3 m3.3 m3.3 m3.3 m3.3 m

Additional Paid-in Capital

8.6 m8.9 m10.6 m11 m11.5 m12 m

Retained Earnings

112.5 m115 m117.5 m121.1 m123.2 m126.7 m

Total Equity

126 m129.3 m133.3 m137.7 m139.7 m141.4 m

Financial Leverage

10.9 x10.6 x10.5 x10.3 x10.2 x10.4 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

14.4 m12.3 m12.5 m13.5 m

Depreciation and Amortization

2.3 m2.7 m2.5 m2.6 m

Accounts Receivable

333 k(61 k)(408 k)(432 k)

Accounts Payable

(905 k)(103 k)(42 k)5 k

Cash From Operating Activities

63.6 m34.2 m15.3 m27.2 m

Purchases of PP&E

(36.2 m)(37.2 m)(52.5 m)

Cash From Investing Activities

90.8 m(24.4 m)(83.7 m)(106.2 m)

Cash From Financing Activities

(31.9 m)9.7 m53.7 m29.2 m

Interest Paid

9.5 m9.7 m9 m8.9 m

Income Taxes Paid

6 m3.6 m560 k2.3 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

6.6 m9.9 m2.6 m6.7 m10.2 m2.4 m7.2 m10.3 m2.7 m

Depreciation and Amortization

1.4 m2.1 m653 k1.3 m1.9 m621 k1.3 m1.9 m654 k

Accounts Receivable

105 k117 k342 k(233 k)(233 k)122 k(171 k)278 k496 k

Accounts Payable

(36 k)(52 k)(10 k)(33 k)(53 k)27 k13 k(26 k)5 k

Cash From Operating Activities

10.3 m19.3 m(6.7 m)(24 m)7.5 m25.1 m226 k2.2 m16.5 m

Purchases of PP&E

(16 m)(28.8 m)(7.2 m)(16.1 m)(25 m)(7.6 m)(22.4 m)(33.9 m)(14.5 m)

Cash From Investing Activities

(3.6 m)(11.4 m)(9.7 m)(32.5 m)(53.2 m)(23.6 m)(57 m)(68.4 m)(11.8 m)

Cash From Financing Activities

27.5 m(10.7 m)22.2 m28.2 m23.5 m(3.3 m)(3.7 m)2.3 m12.6 m

Interest Paid

4.9 m7.4 m2.3 m4.5 m6.8 m2.2 m4.4 m6.7 m2.3 m

Income Taxes Paid

2 m2.4 m92 k339 k450 k13 k1.2 m2.1 m14 k
USDY, 2017

Revenue/Employee

44.3 k

Financial Leverage

10.4 x

C&F Finance Market Value History

Traffic Overview of C&F Finance

C&F Finance Online and Social Media Presence

C&F Finance Company Life and Culture

You may also be interested in