C&F Finance owns and operates through its subsidiary, Citizens and Farmers 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. C&F Finance engages in residential mortgage lending through the Mortgage Banking segment. It engages in non-prime automobile lending through the Consumer Finance segment. Its other segment includes a full-service brokerage firm. The Company conducts mortgage banking activities through C&F Mortgage Corporation. It conducts consumer finance activities through C&F Finance Company.

Type
Public
HQ
Henrico, US
Founded
1927
Size (employees)
636 (est)
Website
cffc.com
C&F Finance was founded in 1927 and is headquartered in Henrico, US
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C&F Finance Office Locations

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

C&F Finance Financials

C&F Finance's revenue was reported to be $115.07 m in FY, 2016 which is a 6.8% increase from the previous period.
USD

Revenue (Q1, 2018)

29.2 m

Gross profit (Q1, 2018)

26.6 m

Gross profit margin (Q1, 2018), %

91.2%

Net income (Q1, 2018)

3.9 m

EBIT (Q1, 2018)

16.9 m

Market capitalization (15-May-2018)

204.1 m

Closing share price (15-May-2018)

58.3

Cash (31-Mar-2018)

148 m

EV

197.8 m
C&F Finance's current market capitalization is $204.1 m.
Annual
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
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Revenue

26.9 m27.6 m27.1 m30 m29.4 m28.2 m29.7 m29.2 m

Cost of goods sold

2.2 m2.3 m2.3 m2.2 m2.2 m2.3 m2.3 m2.6 m

Gross profit

24.7 m25.3 m24.9 m27.8 m27.2 m25.9 m27.4 m26.6 m

Gross profit Margin, %

92%92%92%93%92%92%92%91%
Annual
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
Quarterly
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Cash

139.3 m145.4 m151.2 m92.5 m89 m120.5 m118.9 m148 m

Goodwill

14.4 m14.4 m14.4 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 b1.5 b1.5 b

Accounts Payable

1 b1 b1.1 b1.1 b1.1 b1.1 b1.1 b1.2 b
Annual
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 Payable

(905 k)(103 k)(42 k)5 k
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Net Income

11.6 m2.9 m6.6 m9.9 m2.6 m6.7 m10.2 m2.4 m7.2 m10.3 m2.7 m6.9 m3.9 m

Depreciation and Amortization

1.7 m684 k1.4 m2.1 m653 k1.3 m1.9 m621 k1.3 m1.9 m654 k1.3 m727 k

Accounts Payable

(63 k)(13 k)(36 k)(52 k)(10 k)(33 k)(53 k)27 k13 k(26 k)5 k22 k7 k

Cash From Operating Activities

37.2 m12.1 m10.3 m19.3 m(6.7 m)(24 m)7.5 m25.1 m226 k2.2 m16.5 m16.9 m22.1 m
USDY, 2018

EV/EBIT

11.7 x

EV/CFO

8.9 x

Financial Leverage

10.7 x
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C&F Finance Operating Metrics

C&F Finance's Total Loans was reported to be $993.6m in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2017Q3, 2016FY, 2016Q1, 2017

Bank Branches

23 23 23

Non-accrual Loans

$4.11 m$5.65 m$4.90 m$5.37 m$5.62 m$5.83 m$9.11 m$4.81 m$4.04 m$9.13 m

Total Loans

$835.80 m$843.85 m$862.19 m$876.47 m$901.46 m$925.01 m$993.57 m$972.67 m$997.23 m$1 b
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