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Peer Analysis

Data for trailing four quarters

For the definition of a financial field, select the field name below.
Performance Ratios (%)CFNLPeer
Median
Peer
Average
ROAA0.57 (0.93) (2.76) 
ROAE5.53 (11.03) (35.37) 
Net Interest Margin2.91 3.30 3.08 
Efficiency Ratio69.48 76.59 77.24 
Loans / Deposits99.72 89.29 89.53 

Asset Quality Ratios (%)   
NPAs / Assets0.29 5.21 5.94 
NCOs / Avg Loans0.19 1.85 2.13 
Reserves / Loans1.27 2.28 2.36 
Reserves / NPAs327.69 35.10 35.70 

Capital Ratios (%)   
Tier 1 Capital12.97 11.48 10.13 
Tangible Equity / Tangible Assets9.71 7.69 7.25 
Total Equity / Total Assets10.35 8.22 8.42 

Market Ratios   
Price / Earnings (x)25.14 NA NA 
Price / Book (%)130.62 59.05 53.60 
Dividend Yield (%)0.86 0.00 0.18 
Cardinal Financial Corporation's peer group consists of the following: BancTrust Financial Group, Inc. (BTFG), Cadence Financial Corporation (CADE), Fidelity Southern Corporation (LION), FNB Corporation (FNBP), GB&T Bancshares, Inc. (GBTB), Green Bankshares, Inc. (GRNB), Security Bank Corporation (SBKC), StellarOne Corporation (STEL), Superior Bancorp (SUPR), Virginia Commerce Bancorp, Inc. (VCBI)

Cardinal Financial Corporation's financial data is as of 12/31/2009.

Peer financial data is as of 12/31/2009  except for these companies:

FNB Corporation's financial data is as of 12/31/2007.
GB&T Bancshares, Inc.'s financial data is as of 12/31/2007.
Security Bank Corporation's financial data is as of 3/31/2009.

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