CFFI PEER ANALYSIS

C&F Financial Corporation — metric-by-metric comparison with peers and the industry median

CFFIC&F Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CFFIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CFFI	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
P/E	9.52	—	15.65	—	2.96●	9.16	12.88
P/B	1.01	31,504.34	3.99	294,240.03	0.71●	1.41	1.29
EV/EBITDA	-1.48	418,782.20	-9.21●	3,913,015.14	2.21	-8.43	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFFI	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Current Ratio	1.35●	—	—	—	—	0.25	0.31
Debt/Equity	38.9%	0.0%●	0.0%●	0.0%●	0.0%●	17.0%	38.0%
NetDebt/EBITDA	-8.44	-28.33	-20.34	-28.34●	-0.47	-14.68	-0.58

Profitability
Metric	CFFI	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Net Margin	14.9%	28.1%	24.7%	28.1%	54.9%●	20.1%	20.6%
ROE	11.3%	20.2%	28.9%●	20.2%	27.4%	14.9%	10.9%
ROA	1.0%	1.8%	1.1%	1.8%	3.7%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFFI	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	29.4%	71.8%●	—	71.7%	-1.3%	16.0%	19.4%
Div. Yield	2.2%	—	—	—	—	4.8%●	2.5%
Payout	21.4%	—	—	—	—	—	31.4%

Valuation
Metric	CFFI	BPRN	ATLO	OVLY	LCNB	NWFL	Ind. Median
P/E	9.52●	13.63	12.23	11.78	11.01	11.48	12.88
P/B	1.01	0.97	1.27	1.37	0.92●	1.04	1.29
EV/EBITDA	-1.48	1.88	-13.94●	—	12.01	4.50	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CFFI	BPRN	ATLO	OVLY	LCNB	NWFL	Ind. Median
Current Ratio	1.35	0.12	53.78●	0.09	1.20	0.10	0.31
Debt/Equity	38.9%	7.8%●	26.5%	—	40.2%	31.1%	38.0%
NetDebt/EBITDA	-8.44	-7.78	-23.31●	—	3.10	-4.09	-0.58

Profitability
Metric	CFFI	BPRN	ATLO	OVLY	LCNB	NWFL	Ind. Median
Net Margin	14.9%	14.2%	21.6%	26.7%●	18.5%	19.1%	20.6%
ROE	11.3%	7.2%	11.0%	12.3%●	8.6%	10.2%	10.9%
ROA	1.0%	0.9%	1.0%	1.2%●	1.0%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CFFI	BPRN	ATLO	OVLY	LCNB	NWFL	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	29.4%	72.6%	89.7%	-2.4%	41.8%	2,080.7%●	19.4%
Div. Yield	2.2%	3.3%	2.1%	2.0%	4.8%●	3.9%	2.5%
Payout	21.4%	46.6%	34.6%	23.7%	54.5%	47.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.