Capital Bank Financial Corp. : CBF-US: Dividend Analysis : November 09th, 2016 (record date) : By the numbers : January 10, 2017

Our analysis is based on comparing Capital Bank Financial Corp. with the following peers – Wells Fargo & Company, SunTrust Banks, Inc., First Horizon National Corporation, First Community Bancshares, Inc., BB&T Corporation, Regions Financial Corporation, Synovus Financial Corp., First Citizens BancShares, Inc. Class A, Bank of America Corporation and Pinnacle Financial Partners, Inc. (WFC-US, STI-US, FHN-US, FCBC-US, BBT-US, RF-US, SNV-US, FCNCA-US, BAC-US and PNFP-US).

Dividend Yield
Dividend Quality Score

Dividend Quality Overview

  • Over the last twelve months (prior to September 30, 2016), CBF-US paid a medium quality dividend, which represents a yield of 1.05% at the current price.
  • Only one dividend was paid over the last five years — it was also of medium quality.
  • The ending cash balance, with a dividend coverage of 5.10x, provides a substantial cushion in case of a significant reduction of cash flows in the future.
Dividend Quality Score Vs Dividend Yield

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High Score;High Yield, High Score;Low Yield, Low Score;Low Yield, Low Score;High Yield

Dividend Coverage

Over the last twelve months (prior to September 30, 2016), CBF-US paid a medium quality dividend.

The source of the company’s cash to support the dividend paid over the last twelve months is operating cash flow (coverage of 1.38x), investing cash flow (coverage of -24.38x), issuance cash flow (coverage of 28.03x) and twelve-month prior cash (coverage of 4.66x), for a total dividend coverage of 6.10x.

CBF-US‘s issuance cash flow includes outflows from net debt repayment (coverage of -10.78x) and net share buybacks (coverage of -2.33x). Thus, the total coverage including share buybacks is 8.43x, which reflects our assumption that the cash paid for share buybacks is discretionary and could instead be used to pay dividends.

Dividend Coverage by Cash Flow (TTM)

These coverage ratio factors imply that the firm’s net cash inflow from issuance was required (in addition to operating and investment cash) to pay the dividend, which suggests a medium dividend quality.

Dividend History

Item 2011-12-31 2012-12-31 2013-12-31 2014-12-31 2015-12-31 Latest
Dividend Yield (%) N/A 0 0 0 0.32 1.11
Dividend Payout (%) N/A 0 0 0 8.47 28.99

A complete list of metrics and analysis is available on the company page.

Company Profile

Capital Bank Financial Corp. operates as a bank holding company for Capital Bank. Its objective is to create a regional banking franchise in the southeastern region of the U. S. through organic growth and acquisitions of other banks, including failed, underperforming and undercapitalized banks. The company offers a wide range of commercial and consumer loans and deposits, as well as ancillary financial services. Capital Bank Financial was founded by Christopher G. Marshall, Kenneth A. Posner, R. Bruce Singletary, and R. Eugene Taylor on November 30, 2009 and is headquartered in Charlotte, NC.


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