C&F Financial Corporation (CFFI) vs Timberland Bancorp, Inc. (TSBK)

C&F Financial Corporation and Timberland Bancorp, Inc. are both Banks Regional companies. C&F Financial Corporation and Timberland Bancorp, Inc. are of similar size ($352.9M and $334.0M). Timberland Bancorp, Inc. trades at the lower P/E: 11.4× against 11.4×. C&F Financial Corporation grew revenue faster over the last twelve months: 8.95% against 6.43%. Timberland Bancorp, Inc. has the higher net margin (26.5% vs 14.9%) and the higher return on invested capital (83.9% vs 6.75%). Both pay a dividend; Timberland Bancorp, Inc. yields more (2.55% vs 1.86%). Across the 19 metrics below, Timberland Bancorp, Inc. leads on 11 and C&F Financial Corporation on 8.

Valuation

Metric CFFI TSBK Banks Regional median
P/E 11.39 11.36 11.98
P/S 1.70 2.98 2.34
P/B 1.19 1.30 1.19
Price to free cash flow 8.61 12.22 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.78% 8.81% 8.23%
Free cash flow yield 11.62% 8.18% 9.08%

Profitability

Metric CFFI TSBK Banks Regional median
Gross margin 76.37% 73.10% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.91% 26.46% 18.66%
Free cash flow margin 19.76% 24.42% 21.11%
Return on equity 11.20% 11.89% 10.65%
Return on assets 1.06% 1.57% 1.13%
Return on invested capital 6.75% 83.89% 8.35%

Growth

Metric CFFI TSBK Banks Regional median
Revenue growth (TTM) 8.95% 6.43% 6.98%
EPS growth (last fiscal year) 37.94% 21.93% 18.88%
Revenue growth, 5-year CAGR 4.20% 9.51% 12.38%
Net income growth, 5-year CAGR 3.94% 3.74% 9.71%

Health

Metric CFFI TSBK Banks Regional median
Debt to equity 0.42 0.04 0.22
Current ratio 0.92 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFI TSBK Banks Regional median
Dividend yield 1.86% 2.55% 2.57%
Payout ratio 0.21 0.29 0.30

Size

Metric CFFI TSBK Banks Regional median
Market cap 334.04m 352.86m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack