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C&F Financial Corporation (CFFI) vs Primis Financial Corp. (FRST)

C&F Financial Corporation and Primis Financial Corp. are both Banks Regional companies. C&F Financial Corporation and Primis Financial Corp. are of similar size ($363.6M and $352.3M). Primis Financial Corp. trades at the lower P/E: 6.8× against 11.7×. Primis Financial Corp. grew revenue faster over the last twelve months: 13.2% against 8.41%. Primis Financial Corp. has the higher net margin (17.0% vs 15.4%) and the higher return on invested capital (13.0% vs 10.5%). Only C&F Financial Corporation pays a dividend (1.75%). Across the 18 metrics below, Primis Financial Corp. leads on 13 and C&F Financial Corporation on 5.

Valuation

Metric CFFI FRST Banks Regional median
P/E 11.67 6.79 12.02
P/S 1.80 1.16 2.36
P/B 1.31 0.84 1.23
Price to free cash flow 8.39 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.57% 14.73% 8.21%
Free cash flow yield 11.91% (11.55%) 9.23%

Profitability

Metric CFFI FRST Banks Regional median
Gross margin 76.71% 71.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.36% 16.99% 18.82%
Free cash flow margin 21.40% (13.40%) 17.97%
Return on equity 11.58% 13.11% 10.28%
Return on assets 1.10% 1.29% 1.13%
Return on invested capital 10.49% 13.03% 8.45%

Growth

Metric CFFI FRST Banks Regional median
Revenue growth (TTM) 8.41% 13.18% 6.37%
EPS growth (last fiscal year) 37.94% 477.27% 18.85%
Revenue growth, 5-year CAGR 4.20% 18.77% 12.65%
Net income growth, 5-year CAGR 3.94% 21.74% 9.81%

Health

Metric CFFI FRST Banks Regional median
Debt to equity 0.00 0.16 0.17
Current ratio 0.92 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFI FRST Banks Regional median
Dividend yield 1.75% 0.00% 2.49%
Payout ratio 0.20 0.00 0.29

Size

Metric CFFI FRST Banks Regional median
Market cap 352.26m 363.55m 934.85m

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