Definitive Analysis | Institutional-Grade Financial Research
Definitive Analysis
Get Full Access
See Pricing Start Free Trial

C&F Financial Corporation (CFFI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$88.18 - $142.05$112.48
Multi-Stage$109.02 - $119.46$114.14
Blended Fair Value$113.31
Current Price$67.20
Upside68.61%
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 Rate9.08%9.08%9.08%
Growth Rate1.62%2.62%3.62%
Fair Value$88.18$112.48$142.05
Upside / Downside31.22%67.37%111.39%

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 Rate9.08%9.08%9.08%
Growth Rate1.62%2.62%3.62%
Year 1 PV (M)8.738.818.90
Year 2 PV (M)11.2111.4311.65
Year 3 PV (M)13.3113.7114.11
Year 4 PV (M)15.0715.6716.29
Year 5 PV (M)16.5317.3618.22
PV of Terminal Value (M)287.80302.24317.25
Equity Value (M)352.64369.22386.43
Shares Outstanding (M)3.233.233.23
Fair Value$109.02$114.14$119.46
Upside / Downside62.23%69.86%77.77%

High-Yield Dividend Screener

« Prev Page 4 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
EG7.IRFBD Holdings plc12.49%$1.9761.47%
WILCG. Willi-Food International Ltd.12.48%$3.5852.70%
9908.HKJiaXing Gas Group Co., Ltd.12.44%$1.0240.94%
MPMX.JKPT Mitra Pinasthika Mustika Tbk12.44%$120.0095.84%
0QL5.LCarlo Gavazzi Holding AG12.42%$20.0062.49%
GOZ.AXGrowthpoint Properties Australia12.40%$0.3016.37%
1999.HKMan Wah Holdings Limited12.39%$0.5757.62%
1285.HKJiashili Group Limited12.38%$0.1455.24%
600015.SSHua Xia Bank Co., Limited12.36%$0.8549.77%
BNP.DEBNP Paribas S.A.12.28%$10.0751.11%
0836.HKChina Resources Power Holdings Company Limited12.20%$2.1541.97%
BIS.AXBisalloy Steel Group Limited12.19%$0.5981.88%
KBS.BKKhonburi Sugar Public Company Limited12.17%$0.7056.34%
9300.SRAlwaha REIT Fund12.14%$1.1871.67%
2005.HKSSY Group Limited12.13%$0.3550.50%
BGI-UN.TOBrookfield Global Infrastructure Securities Income Fund12.09%$0.9646.13%
2003.HKVCREDIT Holdings Limited12.07%$0.3218.47%
1713.HKSichuan Energy Investment Development Co., Ltd.12.02%$0.2941.35%
NSI.ASNSI N.V.12.02%$2.3330.60%
RIO1.DERio Tinto Group12.02%$8.2864.54%
IGL.AXIVE Group Limited12.01%$0.3574.81%
0G5B.LSto SE & Co. KGaA12.00%$14.6483.41%
CDU.LSConduril - Engenharia, S.A.12.00%$1.8069.00%
2156.HKC&D Property Management Group Co. Limited11.98%$0.3354.74%
0057.HKChen Hsong Holdings Limited11.94%$0.1945.38%
BBSE3.SABB Seguridade Participações S.A.11.93%$4.2691.94%
SWUT.VISW Umwelttechnik Stoiser & Wolschner AG11.93%$3.7034.18%
0Q76.LCBo Territoria S.A.11.92%$0.4461.80%
ALCOF.PACofidur S.A.11.92%$34.8038.87%
0239.HKPak Fah Yeow International Limited11.87%$0.2852.60%
2356.HKDah Sing Banking Group Limited11.87%$1.2941.19%
3311.HKChina State Construction International Holdings Limited11.87%$1.1029.31%
ENGI.PAEngie S.A.11.87%$2.7376.93%
SENA.BKSena Development Public Company Limited11.86%$0.2074.93%
4348.SRAlkhabeer REIT Fund11.85%$0.6698.08%
AWZ.SIMulti-Chem Limited11.83%$0.4160.70%
0331.HKFSE Lifestyle Services Limited11.81%$0.6731.73%
SUL.AXSuper Retail Group Limited11.78%$1.8791.92%
2877.HKChina Shineway Pharmaceutical Group Limited11.77%$1.0139.47%
DSWLDeswell Industries, Inc.11.77%$0.4027.95%
0855.HKChina Water Affairs Group Limited11.75%$0.6256.78%
0659.HKCTF Services Limited11.70%$0.8876.18%
DRA.AXDRA Global Limited11.69%$0.2158.65%
GWA.AXGWA Group Limited11.68%$0.2995.40%
0968.HKXinyi Solar Holdings Limited11.67%$0.3670.18%
ENI-UN.TOEnergy Income Fund11.66%$0.2356.38%
TCF.AX360 Capital Mortgage REIT11.66%$0.6776.18%
3316.HKBinjiang Service Group Co. Ltd.11.65%$2.7669.09%
CC3.SIStarHub Ltd11.65%$0.1381.69%
TFG-R.BKThaifoods Group Public Company Limited11.65%$0.5242.58%