Princeton Bancorp, Inc. (BPRN) vs C&F Financial Corporation (CFFI)

Princeton Bancorp, Inc. and C&F Financial Corporation are both Banks Regional companies. Princeton Bancorp, Inc. and C&F Financial Corporation are of similar size ($306.0M and $294.3M). C&F Financial Corporation trades at the lower P/E: 10.4× against 11.4×. C&F Financial Corporation grew revenue faster over the last twelve months: 8.95% against −2.79%. Princeton Bancorp, Inc. has the higher net margin (19.0% vs 14.9%) and the higher return on invested capital (9.78% vs 6.75%). Both pay a dividend; Princeton Bancorp, Inc. yields more (3.81% vs 3.42%). Across the 20 metrics below, Princeton Bancorp, Inc. leads on 11 and C&F Financial Corporation on 9.

Valuation

Metric BPRN CFFI Banks Regional median
P/E 11.39 10.45 12.15
P/S 2.17 1.56 2.37
P/B 1.06 1.09 1.21
Price to free cash flow 12.65 7.89 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.69 1.85 2.27
Earnings yield 8.78% 9.57% 8.11%
Free cash flow yield 7.91% 12.67% 8.98%

Profitability

Metric BPRN CFFI Banks Regional median
Gross margin 63.21% 76.37% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.99% 14.91% 18.66%
Free cash flow margin 17.17% 19.76% 21.18%
Return on equity 9.54% 11.20% 10.64%
Return on assets 2.30% 1.06% 1.13%
Return on invested capital 9.78% 6.75% 8.33%

Growth

Metric BPRN CFFI Banks Regional median
Revenue growth (TTM) (2.79%) 8.95% 6.61%
EPS growth (last fiscal year) 74.84% 37.94% —
Revenue growth, 5-year CAGR 15.90% 4.20% 12.30%
Net income growth, 5-year CAGR 6.15% 3.94% 9.71%

Health

Metric BPRN CFFI Banks Regional median
Debt to equity 0.00 0.42 0.22
Current ratio 0.94 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPRN CFFI Banks Regional median
Dividend yield 3.81% 3.42% 3.75%
Payout ratio 0.26 0.20 0.27

Size

Metric BPRN CFFI Banks Regional median
Market cap 294.26m 306.02m 921.07m

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