Cardinal Financial Corp.
Cardinal Financial Corp. Fundamental Analysis
Cardinal Financial Corp. (CFNL) shows moderate financial fundamentals with a PE ratio of 16.91, profit margin of 39.49%, and ROE of 11.67%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CFNL's fundamental strength across five key dimensions:
Efficiency Score
WeakCFNL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCFNL trades at attractive valuation levels.
Growth Score
WeakCFNL faces weak or negative growth trends.
Financial Health Score
ModerateCFNL shows balanced financial health with some risks.
Profitability Score
WeakCFNL struggles to sustain strong margins.
Key Financial Metrics
Is CFNL Expensive or Cheap?
P/E Ratio
CFNL trades at 16.91 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CFNL's PEG of 0.17 indicates potential undervaluation.
Price to Book
The market values Cardinal Financial Corp. at 1.89 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.69 times EBITDA. This is generally considered low.
How Well Does CFNL Make Money?
Net Profit Margin
For every $100 in sales, Cardinal Financial Corp. keeps $39.49 as profit after all expenses.
Operating Margin
Core operations generate 58.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.67 in profit for every $100 of shareholder equity.
ROA
Cardinal Financial Corp. generates $1.20 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $4.78 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.17
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.89
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.05
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CFNL Stacks Against Its Sector Peers
| Metric | CFNL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.91 | 18.56 | Neutral |
| ROE | 11.67% | 828.00% | Weak |
| Net Margin | 39.49% | 2518.00% | Weak |
| Debt/Equity | 0.05 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 663.54 | Weak Liquidity |
| ROA | 1.20% | -21156.00% (disorted) | Weak |
CFNL outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Cardinal Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical