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C&F Financial (C&F Financial) Cyclically Adjusted Price-to-FCF : 4.59 (As of May. 24, 2024)


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What is C&F Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-05-24), C&F Financial's current share price is $44.12. C&F Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $9.62. C&F Financial's Cyclically Adjusted Price-to-FCF for today is 4.59.

The historical rank and industry rank for C&F Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

CFFI' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 3.84   Med: 5.7   Max: 11.33
Current: 4.58

During the past years, C&F Financial's highest Cyclically Adjusted Price-to-FCF was 11.33. The lowest was 3.84. And the median was 5.70.

CFFI's Cyclically Adjusted Price-to-FCF is ranked better than
71.29% of 836 companies
in the Banks industry
Industry Median: 7.43 vs CFFI: 4.58

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

C&F Financial's adjusted free cash flow per share data for the three months ended in Mar. 2024 was $0.122. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $9.62 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


C&F Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for C&F Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

C&F Financial Cyclically Adjusted Price-to-FCF Chart

C&F Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.97 7.29 5.86 5.44 6.91

C&F Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.38 5.41 5.16 6.91 5.04

Competitive Comparison of C&F Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, C&F Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


C&F Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, C&F Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where C&F Financial's Cyclically Adjusted Price-to-FCF falls into.



C&F Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

C&F Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=44.12/9.62
=4.59

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

C&F Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, C&F Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.122/131.7762*131.7762
=0.122

Current CPI (Mar. 2024) = 131.7762.

C&F Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 -0.755 100.560 -0.989
201409 2.534 100.428 3.325
201412 4.306 99.070 5.728
201503 -2.055 99.621 -2.718
201506 -5.174 100.684 -6.772
201509 9.162 100.392 12.026
201512 2.062 99.792 2.723
201603 7.117 100.470 9.335
201606 -7.301 101.688 -9.461
201609 0.329 101.861 0.426
201612 6.872 101.863 8.890
201703 4.580 102.862 5.867
201706 -0.137 103.349 -0.175
201709 2.234 104.136 2.827
201712 -0.479 104.011 -0.607
201803 6.138 105.290 7.682
201806 -2.181 106.317 -2.703
201809 5.686 106.507 7.035
201812 2.978 105.998 3.702
201903 3.849 107.251 4.729
201906 -12.243 108.070 -14.929
201909 1.820 108.329 2.214
201912 1.578 108.420 1.918
202003 -6.399 108.902 -7.743
202006 -12.779 108.767 -15.482
202009 -20.562 109.815 -24.674
202012 14.881 109.897 17.844
202103 10.612 111.754 12.513
202106 17.298 114.631 19.885
202109 3.711 115.734 4.225
202112 10.518 117.630 11.783
202203 11.272 121.301 12.245
202206 2.265 125.017 2.387
202209 5.316 125.227 5.594
202212 5.899 125.222 6.208
202303 -0.101 127.348 -0.105
202306 -0.312 128.729 -0.319
202309 6.555 129.860 6.652
202312 4.911 129.419 5.000
202403 0.122 131.776 0.122

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


C&F Financial  (NAS:CFFI) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


C&F Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of C&F Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


C&F Financial (C&F Financial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
3600 La Grange Parkway, Toano, VA, USA, 23168
C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum revenue from the Community Banking segment.
Executives
Seaman John A Iii other: Chief Credit Officer 802 MAIN STREET, WEST POINT VA 23181
Thomas F Cherry officer: Senior Vice President & CFO
S Dustin Crone other: President of Major Subsidiary 802 MAIN STREET, WEST POINT VA 23181
Audrey Dale Holmes director 5120 ADKINS ROAD, PROVIDENCE FORGE VA 23140
Larry G Dillon director, officer: Chairman, President & CEO
Hudson James H Iii director
Jeffery O Smith director 3600 LA GRANGE PKWY, TOANO VA 23168
D Anthony Peay director 3600 LA GRANGE PKWY, TOANO VA 23168
Jason E Long officer: Chief Financial Officer 4136 LONGVIEW LANDING, WILLIAMSBURG VA 23188
Sisson George R Iii director 3600 LAGRANGE PARKWAY, TOANO VA 23168
Bryan Edwin Mckernon other: President of major subsidiary 1400 ALVERSER DRIVE, MIDLOTHIAN VA 23113
Causey J P Jr director 1021 EAST CARY STREET, PO BOX 2350, RICHMOND VA 23218-2350
Barry R Chernack director
Julie R Agnew director 100 PIERCES COURT, WILLIAMSBURG VA 23185
Elizabeth R Kelley director 324 5TH STREET, WEST POINT VA 23181

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