C&F Financial Corporation (CFFI) vs CoastalSouth Bancshares, Inc. (COSO)

C&F Financial Corporation and CoastalSouth Bancshares, Inc. are both Banks Regional companies. C&F Financial Corporation and CoastalSouth Bancshares, Inc. are of similar size ($317.6M and $306.0M). C&F Financial Corporation trades at the lower P/E: 10.4× against 11.5×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs 14.9%) and the higher return on invested capital (6.97% vs 6.75%). Across the 16 metrics below, CoastalSouth Bancshares, Inc. leads on 9 and C&F Financial Corporation on 7.

Valuation

Metric CFFI COSO Banks Regional median
P/E 10.45 11.52 12.15
P/S 1.56 2.27 2.37
P/B 1.09 1.18 1.21
Price to free cash flow 7.89 4.76 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.85 2.56 2.27
Earnings yield 9.57% 8.68% 8.11%
Free cash flow yield 12.67% 21.01% 8.98%

Profitability

Metric CFFI COSO Banks Regional median
Gross margin 76.37% 62.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.91% 19.59% 18.66%
Free cash flow margin 19.76% 47.72% 21.18%
Return on equity 11.20% 11.50% 10.64%
Return on assets 1.06% 1.19% 1.13%
Return on invested capital 6.75% 6.97% 8.33%

Growth

Metric CFFI COSO Banks Regional median
Revenue growth (TTM) 8.95% — 6.61%
EPS growth (last fiscal year) 37.94% 3.26% —
Revenue growth, 5-year CAGR 4.20% — 12.30%
Net income growth, 5-year CAGR 3.94% — 9.71%

Health

Metric CFFI COSO Banks Regional median
Debt to equity 0.42 0.28 0.22
Current ratio 0.92 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CFFI COSO Banks Regional median
Market cap 306.02m 317.63m 921.07m

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