Definitive Analysis
Definitive Analysis
Financial Statements
Periods / Units
Fundamentals
Valuations
Miscellaneous
Analysis Mode
Full Access
See Pricing Start Trial

C&F Financial Corporation (CFFI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$87.97 - $141.59$112.16
Multi-Stage$108.67 - $119.08$113.78
Blended Fair Value$112.97
Current Price$67.20
Upside68.11%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.41%3.62%1.791.851.781.751.711.591.521.431.381.28
YoY Growth---3.44%4.00%1.43%2.33%8.09%4.06%6.34%3.88%7.62%2.42%
Dividend Yield--2.65%3.78%3.44%3.47%3.87%3.98%2.96%2.73%2.98%3.36%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)26.17
(-) Cash Dividends Paid (M)5.82
(=) Cash Retained (M)20.35
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)5.233.271.96
Cash Retained (M)20.3520.3520.35
(-) Cash Required (M)-5.23-3.27-1.96
(=) Excess Retained (M)15.1217.0818.39
(/) Shares Outstanding (M)3.233.233.23
(=) Excess Retained per Share4.675.285.68
LTM Dividend per Share1.801.801.80
(+) Excess Retained per Share4.675.285.68
(=) Adjusted Dividend6.477.087.48
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.62%2.62%3.62%
Fair Value$87.97$112.16$141.59
Upside / Downside30.91%66.91%110.70%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)26.1726.8627.5628.2829.0229.7930.68
Payout Ratio22.24%35.79%49.34%62.90%76.45%90.00%92.50%
Projected Dividends (M)5.829.6113.6017.7922.1926.8128.38

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.62%2.62%3.62%
Year 1 PV (M)8.728.818.90
Year 2 PV (M)11.2011.4311.65
Year 3 PV (M)13.3013.7014.10
Year 4 PV (M)15.0615.6616.28
Year 5 PV (M)16.5217.3418.21
PV of Terminal Value (M)286.71301.10316.06
Equity Value (M)351.52368.04385.19
Shares Outstanding (M)3.233.233.23
Fair Value$108.67$113.78$119.08
Upside / Downside61.71%69.31%77.21%

High-Yield Dividend Screener

« Prev Page 16 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
HWBKHawthorn Bancshares, Inc.2.27%$0.7724.18%
UTMDUtah Medical Products, Inc.2.27%$1.2835.35%
DKSDICK'S Sporting Goods, Inc.2.26%$4.5238.61%
EMLThe Eastern Company2.26%$0.4437.05%
SBCFSeacoast Banking Corporation of Florida2.26%$0.7143.09%
WMKWeis Markets, Inc.2.26%$1.4535.88%
0JYA.LMarathon Petroleum Corporation2.25%$3.7274.60%
FSBCFive Star Bancorp2.25%$0.8029.79%
IBMInternational Business Machines Corporation2.25%$6.5678.75%
0KYZ.LSBA Communications Corporation2.24%$4.3254.40%
BPOPPopular, Inc.2.24%$2.8224.06%
MFINMedallion Financial Corp.2.24%$0.2312.50%
MSMorgan Stanley2.24%$4.0740.12%
FXNCFirst National Corporation2.23%$0.5586.28%
BACBank of America Corporation2.22%$1.2431.97%
SSBSouthState Corporation2.22%$2.0930.58%
VLGEAVillage Super Market, Inc.2.22%$0.7720.42%
WWWWolverine World Wide, Inc.2.22%$0.4137.79%
CCBGCapital City Bank Group, Inc.2.21%$0.9326.22%
CGThe Carlyle Group Inc.2.20%$1.3476.25%
NHINational Health Investors, Inc.2.20%$1.6954.58%
VNOVornado Realty Trust2.20%$0.7315.58%
BANCBanc of California, Inc.2.19%$0.4332.44%
EBTCEnterprise Bancorp, Inc.2.19%$0.8726.66%
RHPRyman Hospitality Properties, Inc.2.19%$2.0957.31%
CDPCOPT Defense Properties2.18%$0.6045.15%
FDSFactSet Research Systems Inc.2.18%$6.2039.64%
ISBAIsabella Bank Corporation2.18%$1.1044.52%
WHWyndham Hotels & Resorts, Inc.2.18%$1.6437.28%
EFSCEnterprise Financial Services Corp2.17%$1.1722.34%
ETHGrayscale Ethereum Mini Trust2.17%$0.6434.57%
SEMSelect Medical Holdings Corporation2.17%$0.3236.19%
BFSTBusiness First Bancshares, Inc.2.16%$0.5620.21%
CWBCCommunity West Bancshares2.16%$0.4826.89%
EHTHeHealth, Inc.2.16%$0.095.60%
TPLTexas Pacific Land Corporation2.16%$6.4231.02%
CBSHCommerce Bancshares, Inc.2.15%$1.1226.40%
COLMColumbia Sportswear Company2.15%$1.2035.55%
HTHHilltop Holdings Inc.2.15%$0.7328.46%
NATHNathan's Famous, Inc.2.15%$1.9835.76%
RCKYRocky Brands, Inc.2.15%$0.6222.50%
BDXBecton, Dickinson and Company2.14%$4.1771.28%
CICigna Corporation2.14%$5.9626.01%
FBIZFirst Business Financial Services, Inc.2.14%$1.1518.19%
JBSSJohn B. Sanfilippo & Son, Inc.2.14%$1.4926.50%
JNPRJuniper Networks, Inc.2.14%$0.8682.37%
POOLPool Corporation2.14%$4.9244.68%
CSCOCisco Systems, Inc.2.13%$1.6262.56%
CSTRCapStar Financial Holdings, Inc.2.13%$0.4330.48%
HTLFHeartland Financial USA, Inc.2.13%$1.3869.73%