Chain Bridge Bancorp, Inc. (CBNA) vs C&F Financial Corporation (CFFI)

Chain Bridge Bancorp, Inc. and C&F Financial Corporation are both Banks Regional companies. Chain Bridge Bancorp, Inc. and C&F Financial Corporation are of similar size ($311.3M and $306.0M). C&F Financial Corporation trades at the lower P/E: 10.4× against 11.8×. Chain Bridge Bancorp, Inc. grew revenue faster over the last twelve months: 14.4% against 8.95%. Chain Bridge Bancorp, Inc. has the higher net margin (38.6% vs 14.9%) and the lower return on invested capital (0.00% vs 6.75%). Across the 17 metrics below, C&F Financial Corporation leads on 9 and Chain Bridge Bancorp, Inc. on 8.

Valuation

Metric CBNA CFFI Banks Regional median
P/E 11.76 10.45 12.15
P/S 4.55 1.56 2.37
P/B 1.71 1.09 1.21
Price to free cash flow 18.78 7.89 10.80
EV/EBITDA n/m n/m —
EV/Sales (7.38) 1.85 2.27
Earnings yield 8.50% 9.57% 8.11%
Free cash flow yield 5.32% 12.67% 8.98%

Profitability

Metric CBNA CFFI Banks Regional median
Gross margin 94.59% 76.37% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 38.64% 14.91% 18.66%
Free cash flow margin 24.21% 19.76% 21.18%
Return on equity 15.64% 11.20% 10.64%
Return on assets 1.46% 1.06% 1.13%
Return on invested capital 0.00% 6.75% 8.33%

Growth

Metric CBNA CFFI Banks Regional median
Revenue growth (TTM) 14.44% 8.95% 6.61%
EPS growth (last fiscal year) (26.14%) 37.94% —
Revenue growth, 5-year CAGR — 4.20% 12.30%
Net income growth, 5-year CAGR — 3.94% 9.71%

Health

Metric CBNA CFFI Banks Regional median
Debt to equity 0.00 0.42 0.22
Current ratio 0.55 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNA CFFI Banks Regional median
Dividend yield — 3.42% 3.75%
Payout ratio — 0.20 0.27

Size

Metric CBNA CFFI Banks Regional median
Market cap 311.33m 306.02m 921.07m

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