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Cardinal Financial - Fundamentalanalyse - Jahresbericht / Bilanz / Geschäftsbericht

Cardinal Financial Corp (ISIN: US14149F1093, WKN: 924516) Kursdatum: 21.04.2017 Kurs: 29,040 USD
Beschreibung Daten
Symbol CFNL
Marktkapitalisierung 978.357.632,00 USD
Land Vereinigte Staaten von Amerika
Indizes NASDAQ Comp.
Sektor Banken
Rohdaten nach US GAAP in Millionen USD
Aktiensplits
Internet
Letztes Bilanz Update 15.03.2017

Fundamentaldaten

Fundamental Verhältnisse errechnet am: 21.04.2017
KFCV KCV DIV Rendite GKR EKQ KGV KUV KBV
6,97 6,97 1,65% 1,20 10,74 19,36 5,05 2,16

Firmenbeschreibung

Firmenstrategie

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

           

 

 

 

(b)          

 

 

 

Principles of Consolidation

 

 

 

 

        The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany transactions and balances have been eliminated in consolidation.

 

 

RevenueRecognitionPolicyTextBlock

SegmentReportingDisclosureTextBlock

 

 

 

(22) Segment Reporting

        The Company operates in three business segments: commercial banking, mortgage banking, and wealth management services. As of June 30, 2013, the Company merged the remaining operations of its trust division and Wilson/Bennett Capital Management, Inc., both of which had been included in the wealth management services segment, into CWS. In addition, as of June 30, 2013, the Company merged the operations of Cardinal First Mortgage, LLC into George Mason. Results for the year ended December 31, 2013 include six months of operations of these subsidiaries.

        The commercial banking segment includes both commercial and consumer lending and provides customers with such products as commercial loans, real estate loans, 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 primarily in the origination and acquisition of residential mortgages for sale into the secondary market. The wealth management services segment provides investment and financial advisory services to businesses and individuals, including financial planning, retirement/estate planning, and investment management.

        Information about the reportable segments and reconciliation of this information to the consolidated financial statements at and for the years ended December 31, 2015, 2014, and 2013, follows:

(In thousands)

At and for the Year Ended December 31, 2015:

                                                                                                                                                                                    

 

EarningsPerSharePolicyTextBlock

 

 

 

 

 

 

 
 

 

 
 

Commercial
Banking

 
 

 

 
 

Mortgage
Banking

 
 

 

 
 

Wealth
Management
Services

 
 

 

 
 

Other

 
 

 

 
 

Intersegment
Elimination

 
 

 

 
 

Consolidated

 
 

 

 
 

Net interest income

 
 

 

 
 

$

 
114,674 
 

 

 
 

$

 
2,454 
 

 

 
 

$

 
 

 
 

 

 
 

$

 
(734 
 

)

 
 

$

 
 

 
 

 

 
 

$

 
116,394 
 

 

 
 

Provision for loan losses

 
 

 

 
 

 

 
1,388 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
1,388 
 

 

 
 

Non-interest income

 
 

 

 
 

 

 
5,293 
 

 

 
 

 

 
43,700 
 

 

 
 

 

 
489 
 

 

 
 

 

 
3,210 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
52,692 
 

 

 
 

Non-interest expense

 
 

 

 
 

 

 
59,956 
 

 

 
 

 

 
31,806 
 

 

 
 

 

 
432 
 

 

 
 

 

 
4,104 
 

 

 
 

 

 
 

 
 

 

 
 

 

 
96,298 
 

 

 
 

Provision (benefit) for income taxes

 
 

 

 
 

 

 
19,448 
 

 

 
 

 

 
5,168 
 

 

 
 

 

 
20 
 

 

 
 

 

 
(570 
 

)

 
 

 

 
 

 
 

 

 
 

 

 
24,066 
 

 

 
 

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

Net income (loss)

 
 

 

 
 

$

 
39,175 
 

 

 
 

$

 
9,180 
 

 

 
 

$

 
37 
 

 

 
 

$

 
(1,058 
 

)

 
 

$

 
 

 
 

 

 
 

$

 
47,334 
 

 

 
 

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

​  

 
 

​  

 
 

 
 

Total Assets

 
 

 

 
 

$

 
3,970,432 
 

 

 
 

$

 
427,047 
 

 

 
 

$

 
2,465 
 

 

 
 

$

 
406,981 
 

 

 
 

$

 
(777,004 
 

)

 

 

 
 

 

 
 

 

 
 

           

 
 

(p)          

 
 

Earnings Per Common Share

 

        Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted-average number of shares of common stock outstanding during the periods, including shares which will be issued to settle liabilities of the deferred compensation plans. Diluted earnings per share reflects the impact of dilutive potential common shares that would have been outstanding if common stock equivalents had been issued, as well as any adjustment to income that would result from the assumed issuance. Common stock equivalents that may be issued by the Company relate primarily to outstanding stock options, and the dilutive potential common shares resulting from outstanding stock options are determined using the treasury stock method. Common stock equivalents for diluted earnings per share purposes also includes common shares which may be issued, but are not required to be issued, to settle the Company's obligations under its deferred compensation plans. The effects of anti-dilutive common stock equivalents are excluded from the calculation of diluted earnings per share.