C&F Financial Corporation (CFFI) vs First Western Financial, Inc. (MYFW)

C&F Financial Corporation and First Western Financial, Inc. are both Banks Regional companies. C&F Financial Corporation and First Western Financial, Inc. are of similar size ($306.0M and $298.6M). C&F Financial Corporation trades at the lower P/E: 10.4× against 16.1×. First Western Financial, Inc. grew revenue faster over the last twelve months: 8.99% against 8.95%. C&F Financial Corporation has the higher net margin (14.9% vs 9.50%) and the lower return on invested capital (6.75% vs 7.99%). Across the 19 metrics below, C&F Financial Corporation leads on 10 and First Western Financial, Inc. on 9.

Valuation

Metric CFFI MYFW Banks Regional median
P/E 10.45 16.07 12.15
P/S 1.56 1.54 2.37
P/B 1.09 1.06 1.21
Price to free cash flow 7.89 11.53 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.85 1.05 2.27
Earnings yield 9.57% 6.22% 8.11%
Free cash flow yield 12.67% 8.67% 8.98%

Profitability

Metric CFFI MYFW Banks Regional median
Gross margin 76.37% 56.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.91% 9.50% 18.66%
Free cash flow margin 19.76% 13.32% 21.18%
Return on equity 11.20% 6.84% 10.64%
Return on assets 1.06% 0.59% 1.13%
Return on invested capital 6.75% 7.99% 8.33%

Growth

Metric CFFI MYFW Banks Regional median
Revenue growth (TTM) 8.95% 8.99% 6.61%
EPS growth (last fiscal year) 37.94% 55.17% —
Revenue growth, 5-year CAGR 4.20% 12.26% 12.30%
Net income growth, 5-year CAGR 3.94% (11.68%) 9.71%

Health

Metric CFFI MYFW Banks Regional median
Debt to equity 0.42 0.29 0.22
Current ratio 0.92 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFI MYFW Banks Regional median
Dividend yield 3.42% — 3.75%
Payout ratio 0.20 0.00 0.27

Size

Metric CFFI MYFW Banks Regional median
Market cap 306.02m 298.62m 921.07m

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