What is Cardinal Financial Financial Strength?
Cardinal Financial has the Financial Strength Rank of 0.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate Cardinal Financial's interest coverage with the available data.
Cardinal Financial's debt to revenue ratio for the quarter that ended in Dec. 2016 was 2.55.
Altman Z-Score does not apply to banks and insurance companies.
Cardinal Financial Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Cardinal Financial's Interest Expense for the
months ended in Dec. 2016 was $-6.1 Mil. Its Operating Income for the
months ended in Dec. 2016 was $15.3 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2016 was $426.7 Mil.
Cardinal Financial's Interest Coverage for the quarter that ended in Dec. 2016 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Cardinal Financial's Debt to Revenue Ratio for the quarter that ended in Dec. 2016 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Cardinal Financial (Cardinal Financial) Business Description
Traded in Other Exchanges
N/A
Address
Cardinal Financial Corporation was incorporated under the laws of Virginia as a financial holding Company on June, 25, 2003. The Company's activities consist of investments in its wholly-owned subsidiaries. The main operating subsidiary of the company is Cardinal Bank. Cardinal Bank offers a range of traditional bank loan and deposit products and services to both its commercial and retail customers. The Company's commercial relationship managers attract small and medium sized businesses as well as government contractors, commercial real estate developers and builders and professionals, such as physicians, accountants and attorneys. The Company operates in three business segments, commercial banking, mortgage banking and wealth management and trust services. The commercial banking segment includes both commercial and consumer lending and provides customers such products as commercial loans, real estate loans, and other business financing and consumer loans. In addition, this segment provides customers with several choices of deposit products, including demand deposit accounts, savings accounts and certificates of deposit. The mortgage banking segment engages mainly in the origination and acquisition of residential mortgages for sale into the secondary market on a efforts basis. The wealth management and trust services segment provides investment and financial advisory services to businesses and individuals, including financial planning, retirement/estate planning, trust, estates, custody, investment management, escrows, and retirement plans. The Company competes as a financial intermediary with other commercial banks, savings and loan associations, savings banks, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, mutual fund groups and other types of financial institutions. The Bank is subject to regulation, supervision and examination by the Bureau of Financial Institutions of the Virginia State Corporation Commission. The Bank and its also are subject to regulation, supervision and examination by the Federal Deposit Insurance Corporation.
Executives
| Mark A Wendel |
officer: EVP/Chief Financial Officer |
C/O FIRST COMMUNITY BANCSHARES, P.O. BOX 989, BLUEFIELD VA 24605-0989 |
| Bernard H Clineburg |
director, officer: Executive Chairman |
CARDINAL FINANCIAL CORP, 8270 GREENSBORO DRIVE STE 500, MCLEAN VA 22102 |
| Barbara B Lang |
director |
8270 GREENSBORO DRIVE, SUITE 500, MCLEAN VA 22102 |
| Steven M Wiltse |
director |
11325 RANDOM HILLS RD, STE 240, FAIRFAX VA 22030 |
| Alan G Merten |
director |
11020 POPES HEAD ROAD, FAIRFAX VA 22030 |
| Kendal E Carson |
officer: President |
514 MARKET STREET, PARKERSBURG WV 26101 |
| Cynthia A Cole |
officer: EVP/Marketing Director |
8270 GREENSBORO DRIVE, SUITE 500, MCLEAN VA 22102 |
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