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David Dreman Guru Analysis for C&F Financial Corporation

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Assessments & Analysis Based on March 21, 2017 close price: $45.55

  for the Contrarian Investor based on the criteria of David Dreman. Return to CFFI Guru Analysis

All Star Guru Scorecard

Source Go Chart %
Peter Lynch 0%
Benjamin Graham 43%
Validea 57%
Motley Fool 36%
David Dreman 36%
Martin Zweig 77%
Kenneth Fisher 60%
James P. O'Shaughnessy 50%

Detailed Analysis

Guru Score: 36%


Medium to large-sized companies (the largest 1500 companies) should be chosen, because they are more in the protected eye. Furthermore, the investor is exposed to less risk of "accounting gimmickry", and companies of this size have more staying power. CFFI has a market cap of $159 million, therefore failing the test.


A company should show a rising trend in the reported earnings for the most recent quarters. CFFI's EPS for the latest quarter is not greater than the prior quarter, (from earliest to most recent quarter) 0.91, 0.91. Hence the stock fails this test, but the investor should evaluate this company qualitatively to see if it qualifies under this methodology's "exception rule".


This methodology likes to see companies with an EPS growth rate higher than the S&P in the immediate past and a likelihood that this trend will continue in the near future. CFFI fails this test as its EPS growth rate for the past 6 months (-33.57%) does not beat that of the S&P (5.31%).

This methodology would utilize four separate criteria to determine if CFFI is a contrarian stock. In order to eliminate weak companies we have stipulated that the stock should pass at least two of the following four major criteria in order to receive "Some Interest".


The P/E of a company should be in the bottom 20% of the overall market. CFFI's P/E of 11.70, , meets the bottom 20% criterion (below 13.36), and therefore passes this test.


The P/CF of a company should be in the bottom 20% of the overall market. CFFI's P/CF of 9.90 does not meet the bottom 20% criterion (below 7.44), and therefore fails this test.


The P/B value of a company should be in the bottom 20% of the overall market. CFFI's P/B is currently 1.14, which does not meet the bottom 20% criterion (below 1.06), and it therefore fails this test.


The P/D ratio for a company should be in the bottom 20% of the overall market (that is the yield should be in the top 20%). CFFI's P/D of 34.48 does not meet the bottom 20% criterion (below 20.75 or yield above 3.7%), and it therefore fails this test.

This methodology maintains that investors should look for as many healthy financial ratios as possible to ascertain the financial strength of the company. These criteria are detailed below. [FAIL]

A prospective company must have a strong Current Ratio (greater than or equal to the average of it's industry [0] or greater than 2). This is one ident ifier of financial strong companies, according to this methodology. CFFI's current ratio is not available. Hence no opinion can be given on this ratio.


A good indicator that a company has the ability to raise its dividend is a low payout ratio. The payout ratio for CFFI is 33.17%, while its historical payout ratio has been 29.10%. Therefore, it fails the payout criterion.


The company should have a high ROE, as this helps to ensure that there are no structural flaws in the company. This methodology feels that the ROE should be greater than the top one third of ROE from among the top 1500 largest cap stocks, which is 16.04%, and would consider anything over 27% to be staggering. The ROE for CFFI of 9.96% is not high enough to pass this criterion.


This methodology looks for pre-tax profit margins of at least 8%, and considers anything over 22% to be phenomenal. CFFI's pre-tax profit margin is 16.89%, thus passing this criterion.


The company in question should have a yield that is high and that can be maintained or increased. CFFI's current yield is not available (or one is not paid) at the present time, while the market yield is 2.61%. Hence, this criterion cannot be evaluated.

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