Cf Financial Stock Z Score

CFFI Stock

USD 42.22 0.27 0.64%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out CF Financial Piotroski F Score and CF Financial Valuation analysis.

For more detail on how to invest in CFFI Stock please use our How to Invest in CF Financial guide.

As of now, CF Financial's Total Debt To Capitalization is decreasing as compared to previous years. As of now, CF Financial's Total Other Income Expense Net is increasing as compared to previous years. The CF Financial's current Net Income Applicable To Common Shares is estimated to increase to about 35.2 M, while Depreciation And Amortization is projected to decrease to under 2.6 M.

CF Financial Company Z Score Analysis

CF Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

CFFI Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for CF Financial is extremely important. It helps to project a fair market value of CFFI Stock properly, considering its historical fundamentals such as Z Score. Since CF Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CF Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CF Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Short Term Debt	Long Term Debt	Short Term Investments	Property Plant Equipment	Good Will	Intangible Assets	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.82	-0.34	0.99	0.74	0.99	0.02	0.75	0.61	0.59	-0.35	0.94	0.83	-0.58	0.58	0.86	-0.86	0.51	0.09	-0.67	0.47	0.82	-0.47	-0.41
Total Stockholder Equity	0.82		-0.42	0.77	0.89	0.82	0.08	0.66	0.23	0.42	-0.16	0.75	0.92	-0.61	0.61	0.9	-0.66	0.52	0.39	-0.66	0.4	0.69	-0.01	0.16
Net Debt	-0.34	-0.42		-0.3	-0.04	-0.31	0.29	-0.05	0.06	-0.3	0.46	-0.21	-0.19	-0.14	0.14	-0.65	0.41	-0.37	-0.63	0.33	-0.2	-0.46	0.09	-0.1
Retained Earnings	0.99	0.77	-0.3		0.7	0.97	-0.04	0.67	0.69	0.65	-0.41	0.94	0.78	-0.5	0.51	0.85	-0.87	0.49	-0.02	-0.67	0.5	0.83	-0.46	-0.49
Net Receivables	0.74	0.89	-0.04	0.7		0.77	0.33	0.67	0.31	0.29	0.04	0.73	0.95	-0.68	0.69	0.68	-0.49	0.41	0.13	-0.58	0.32	0.48	0.07	0.1
Total Liab	0.99	0.82	-0.31	0.97	0.77		0.12	0.79	0.58	0.54	-0.27	0.94	0.85	-0.63	0.63	0.84	-0.81	0.47	0.1	-0.68	0.4	0.76	-0.45	-0.39
Total Current Assets	0.02	0.08	0.29	-0.04	0.33	0.12		0.49	-0.15	-0.4	0.74	0.02	0.23	-0.58	0.58	-0.17	0.38	-0.34	0.1	-0.1	-0.52	-0.49	0.22	0.06
Common Stock	0.75	0.66	-0.05	0.67	0.67	0.79	0.49		0.28	0.25	0.3	0.63	0.68	-0.93	0.93	0.49	-0.39	0.13	0.31	-0.5	0.01	0.4	-0.36	-0.22
Accounts Payable	0.61	0.23	0.06	0.69	0.31	0.58	-0.15	0.28		0.62	-0.4	0.59	0.37	-0.18	0.18	0.39	-0.61	0.3	-0.48	-0.24	0.61	0.54	-0.37	-0.78
Short Term Debt	0.59	0.42	-0.3	0.65	0.29	0.54	-0.4	0.25	0.62		-0.32	0.47	0.35	-0.15	0.15	0.57	-0.49	0.14	-0.07	-0.32	0.55	0.77	-0.09	-0.5
Long Term Debt	-0.35	-0.16	0.46	-0.41	0.04	-0.27	0.74	0.3	-0.4	-0.32		-0.39	-0.08	-0.52	0.52	-0.49	0.74	-0.66	0.15	0.3	-0.52	-0.6	0.45	0.25
Short Term Investments	0.94	0.75	-0.21	0.94	0.73	0.94	0.02	0.63	0.59	0.47	-0.39		0.84	-0.51	0.52	0.78	-0.85	0.46	-0.15	-0.55	0.52	0.74	-0.43	-0.4
Property Plant Equipment	0.83	0.92	-0.19	0.78	0.95	0.85	0.23	0.68	0.37	0.35	-0.08	0.84		-0.67	0.67	0.78	-0.63	0.46	0.12	-0.51	0.47	0.59	-0.03	0.03
Good Will	-0.58	-0.61	-0.14	-0.5	-0.68	-0.63	-0.58	-0.93	-0.18	-0.15	-0.52	-0.51	-0.67		-1.0	-0.34	0.19	0.05	-0.2	0.31	-0.02	-0.22	0.09	0.07
Intangible Assets	0.58	0.61	0.14	0.51	0.69	0.63	0.58	0.93	0.18	0.15	0.52	0.52	0.67	-1.0		0.34	-0.19	-0.05	0.2	-0.31	0.02	0.23	-0.09	-0.07
Net Tangible Assets	0.86	0.9	-0.65	0.85	0.68	0.84	-0.17	0.49	0.39	0.57	-0.49	0.78	0.78	-0.34	0.34		-0.83	0.61	0.34	-0.71	0.49	0.83	-0.19	-0.08
Long Term Debt Total	-0.86	-0.66	0.41	-0.87	-0.49	-0.81	0.38	-0.39	-0.61	-0.49	0.74	-0.85	-0.63	0.19	-0.19	-0.83		-0.72	0.02	0.58	-0.62	-0.86	0.58	0.35
Capital Surpluse	0.51	0.52	-0.37	0.49	0.41	0.47	-0.34	0.13	0.3	0.14	-0.66	0.46	0.46	0.05	-0.05	0.61	-0.72		0.22	-0.56	0.38	0.57	-0.38	0.08
Long Term Investments	0.09	0.39	-0.63	-0.02	0.13	0.1	0.1	0.31	-0.48	-0.07	0.15	-0.15	0.12	-0.2	0.2	0.34	0.02	0.22		-0.37	-0.3	0.11	0.06	0.53
Short Long Term Debt	-0.67	-0.66	0.33	-0.67	-0.58	-0.68	-0.1	-0.5	-0.24	-0.32	0.3	-0.55	-0.51	0.31	-0.31	-0.71	0.58	-0.56	-0.37		0.11	-0.54	0.31	0.1
Earning Assets	0.47	0.4	-0.2	0.5	0.32	0.4	-0.52	0.01	0.61	0.55	-0.52	0.52	0.47	-0.02	0.02	0.49	-0.62	0.38	-0.3	0.11		0.67	-0.05	-0.21
Current Deferred Revenue	0.82	0.69	-0.46	0.83	0.48	0.76	-0.49	0.4	0.54	0.77	-0.6	0.74	0.59	-0.22	0.23	0.83	-0.86	0.57	0.11	-0.54	0.67		-0.41	-0.31
Net Invested Capital	-0.47	-0.01	0.09	-0.46	0.07	-0.45	0.22	-0.36	-0.37	-0.09	0.45	-0.43	-0.03	0.09	-0.09	-0.19	0.58	-0.38	0.06	0.31	-0.05	-0.41		0.56
Capital Stock	-0.41	0.16	-0.1	-0.49	0.1	-0.39	0.06	-0.22	-0.78	-0.5	0.25	-0.4	0.03	0.07	-0.07	-0.08	0.35	0.08	0.53	0.1	-0.21	-0.31	0.56

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict CF Financial

In accordance with the company's disclosures, CF Financial has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

CFFI Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses CF Financial's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of CF Financial could also be used in its relative valuation, which is a method of valuing CF Financial by comparing valuation metrics of similar companies.

CF Financial is currently under evaluation in z score category among related companies.

CF Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of CF Financial from analyzing CF Financial's financial statements. These drivers represent accounts that assess CF Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of CF Financial's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	190.9M	135.4M	184.5M	204.9M	232.7M	244.3M
Enterprise Value	186.7M	124.9M	7.2M	270.4M	269.9M	136.8M

CF Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CF Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CF Financial's managers, analysts, and investors.

Environmental

Governance

Social

CF Financial Institutional Holders

Institutional Holdings refers to the ownership stake in CF Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of CF Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CF Financial's value.

		Shares
Bb&t Corp.	2023-12-31	30.1 K
Raymond James Finl Svs Advisors, Inc.	2023-12-31	20 K
Wells Fargo & Co	2023-12-31	18.8 K
John G Ullman & Associates Inc	2024-03-31	17.6 K
First Manhattan Co. Llc	2023-12-31	16.3 K
Oakmont Partners, Llc	2023-12-31	13 K
Bank Of New York Mellon Corp	2023-12-31	11.8 K
O'shaughnessy Asset Management Llc	2023-12-31	11.1 K
Empowered Funds, Llc	2023-12-31	11.1 K
Blackrock Inc	2023-12-31	191.2 K
Dimensional Fund Advisors, Inc.	2023-12-31	186.4 K

CFFI Fundamentals

	Return On Equity	0.0985
	Return On Asset	0.0084
	Profit Margin	0.18 %
	Operating Margin	0.15 %
	Current Valuation	212.76 M
	Shares Outstanding	3.36 M
	Shares Owned By Insiders	7.00 %
	Shares Owned By Institutions	37.97 %
	Number Of Shares Shorted	100.16 K
	Price To Earning	8.00 X
	Price To Book	0.62 X
	Price To Sales	1.13 X
	Revenue	153.75 M
	Gross Profit	119 M
	EBITDA	4.05 M
	Net Income	23.6 M
	Cash And Equivalents	144.47 M
	Cash Per Share	41.04 X
	Total Debt	112.42 M
	Debt To Equity	9.72 %
	Book Value Per Share	64.24 X
	Cash Flow From Operations	32.23 M
	Short Ratio	5.87 X
	Earnings Per Share	6.07 X
	Target Price	34.0
	Number Of Employees	594
	Beta	0.4
	Market Capitalization	143.28 M
	Total Asset	2.45 B
	Retained Earnings	233.76 M
	Annual Yield	0.04 %
	Five Year Return	3.14 %
	Net Asset	2.45 B
	Last Dividend Paid	1.76

About CF Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze CF Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CF Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CF Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with CF Financial

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CF Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CF Financial will appreciate offsetting losses from the drop in the long position's value.

Moving against CFFI Stock

0.8	DB	Deutsche Bank AG	Pair Corr
0.73	TECTP	Tectonic Financial	Pair Corr
0.66	CFG-PD	Citizens Financial	Pair Corr

The ability to find closely correlated positions to CF Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace CF Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back CF Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling CF Financial to buy it.

The correlation of CF Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as CF Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if CF Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for CF Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

When determining whether CF Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of CF Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Cf Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Cf Financial Stock:

How To Invest In CFFI

Details

Is CFFI Stock a good investment?

Details

What is CF Financial's Net Worth?

Details

Largest Banks - Regional Companies

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Largest Financial Services Companies

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Check out CF Financial Piotroski F Score and CF Financial Valuation analysis.

For more detail on how to invest in CFFI Stock please use our How to Invest in CF Financial guide.

Note that the CF Financial information on this page should be used as a complementary analysis to other CF Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.

Complementary Tools for CFFI Stock analysis

When running CF Financial's price analysis, check to measure CF Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CF Financial is operating at the current time. Most of CF Financial's value examination focuses on studying past and present price action to predict the probability of CF Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CF Financial's price. Additionally, you may evaluate how the addition of CF Financial to your portfolios can decrease your overall portfolio volatility.

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Is CF Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CF Financial. If investors know CFFI will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about CF Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.46)

Dividend Share

1.76

Earnings Share

6.07

Revenue Per Share

34.131

Quarterly Revenue Growth

(0.11)

The market value of CF Financial is measured differently than its book value, which is the value of CFFI that is recorded on the company's balance sheet. Investors also form their own opinion of CF Financial's value that differs from its market value or its book value, called intrinsic value, which is CF Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because CF Financial's market value can be influenced by many factors that don't directly affect CF Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between CF Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if CF Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, CF Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Cf Financial Stock Z Score

CF Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

CFFI Z Score Driver Correlations

CFFI Z Score Peer Comparison

CF Financial Current Valuation Drivers

CF Financial ESG Sustainability

CF Financial Institutional Holders

CFFI Fundamentals

About CF Financial Fundamental Analysis

Pair Trading with CF Financial

Moving against CFFI Stock

Complementary Tools for CFFI Stock analysis

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