C&F Financial Corporation (CFFI) vs FS Bancorp, Inc. (FSBW)

C&F Financial Corporation and FS Bancorp, Inc. are both Banks Regional companies. C&F Financial Corporation and FS Bancorp, Inc. are of similar size ($352.3M and $344.5M). FS Bancorp, Inc. trades at the lower P/E: 9.9× against 11.7×. C&F Financial Corporation grew revenue faster over the last twelve months: 8.41% against 6.61%. C&F Financial Corporation has the higher net margin (15.4% vs 14.6%) and the higher return on invested capital (10.5% vs 4.01%). Both pay a dividend; FS Bancorp, Inc. yields more (2.65% vs 1.75%). Across the 19 metrics below, FS Bancorp, Inc. leads on 10 and C&F Financial Corporation on 9.

Valuation

Metric CFFI FSBW Banks Regional median
P/E 11.67 9.92 12.02
P/S 1.80 1.43 2.36
P/B 1.31 1.01 1.23
Price to free cash flow 8.39 2.46 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.57% 10.08% 8.21%
Free cash flow yield 11.91% 40.59% 9.23%

Profitability

Metric CFFI FSBW Banks Regional median
Gross margin 76.71% 69.57% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.36% 14.62% 18.82%
Free cash flow margin 21.40% 43.75% 17.97%
Return on equity 11.58% 10.64% 10.28%
Return on assets 1.10% 1.03% 1.13%
Return on invested capital 10.49% 4.01% 8.45%

Growth

Metric CFFI FSBW Banks Regional median
Revenue growth (TTM) 8.41% 6.61% 6.37%
EPS growth (last fiscal year) 37.94% (1.61%) 18.85%
Revenue growth, 5-year CAGR 4.20% 8.77% 12.65%
Net income growth, 5-year CAGR 3.94% (3.28%) 9.81%

Health

Metric CFFI FSBW Banks Regional median
Debt to equity 0.00 1.17 0.17
Current ratio 0.92 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFI FSBW Banks Regional median
Dividend yield 1.75% 2.65% 2.49%
Payout ratio 0.20 0.27 0.29

Size

Metric CFFI FSBW Banks Regional median
Market cap 352.26m 344.51m 934.85m

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