C&F Financial (CFFI) Competitors $59.75 +1.91 (+3.30%) Closing price 04:00 PM EasternExtended Trading$59.84 +0.09 (+0.15%) As of 04:05 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CFFI vs. HFWA, FCBC, CPF, MBWM, HTBI, HAFC, CAC, GSBC, HBNC, and EGBNShould you be buying C&F Financial stock or one of its competitors? The main competitors of C&F Financial include Heritage Financial (HFWA), First Community Bankshares (FCBC), Central Pacific Financial (CPF), Mercantile Bank (MBWM), HomeTrust Bancshares (HTBI), Hanmi Financial (HAFC), Camden National (CAC), Great Southern Bancorp (GSBC), Horizon Bancorp (HBNC), and Eagle Bancorp (EGBN). These companies are all part of the "regional banks" industry. C&F Financial vs. Heritage Financial First Community Bankshares Central Pacific Financial Mercantile Bank HomeTrust Bancshares Hanmi Financial Camden National Great Southern Bancorp Horizon Bancorp Eagle Bancorp C&F Financial (NASDAQ:CFFI) and Heritage Financial (NASDAQ:HFWA) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, valuation, profitability, dividends, earnings, community ranking and media sentiment. Do institutionals & insiders believe in CFFI or HFWA? 37.2% of C&F Financial shares are held by institutional investors. Comparatively, 78.3% of Heritage Financial shares are held by institutional investors. 6.3% of C&F Financial shares are held by company insiders. Comparatively, 1.8% of Heritage Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth. Which has more volatility and risk, CFFI or HFWA? C&F Financial has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500. Comparatively, Heritage Financial has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500. Do analysts rate CFFI or HFWA? Heritage Financial has a consensus price target of $25.67, indicating a potential upside of 17.47%. Given Heritage Financial's stronger consensus rating and higher possible upside, analysts plainly believe Heritage Financial is more favorable than C&F Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score C&F Financial 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Heritage Financial 0 Sell rating(s) 2 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.33 Is CFFI or HFWA more profitable? Heritage Financial has a net margin of 13.64% compared to C&F Financial's net margin of 11.67%. C&F Financial's return on equity of 8.97% beat Heritage Financial's return on equity.Company Net Margins Return on Equity Return on Assets C&F Financial11.67% 8.97% 0.79% Heritage Financial 13.64%7.17%0.87% Is CFFI or HFWA a better dividend stock? C&F Financial pays an annual dividend of $1.84 per share and has a dividend yield of 3.1%. Heritage Financial pays an annual dividend of $0.96 per share and has a dividend yield of 4.4%. C&F Financial pays out 30.5% of its earnings in the form of a dividend. Heritage Financial pays out 77.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Heritage Financial has raised its dividend for 14 consecutive years. Heritage Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Does the MarketBeat Community believe in CFFI or HFWA? Heritage Financial received 143 more outperform votes than C&F Financial when rated by MarketBeat users. However, 68.09% of users gave C&F Financial an outperform vote while only 57.96% of users gave Heritage Financial an outperform vote. CompanyUnderperformOutperformC&F FinancialOutperform Votes19268.09% Underperform Votes9031.91% Heritage FinancialOutperform Votes33557.96% Underperform Votes24342.04% Which has better earnings and valuation, CFFI or HFWA? Heritage Financial has higher revenue and earnings than C&F Financial. C&F Financial is trading at a lower price-to-earnings ratio than Heritage Financial, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioC&F Financial$123.69M1.57$19.92M$6.039.91Heritage Financial$216.84M3.43$43.26M$1.2417.62 Does the media prefer CFFI or HFWA? In the previous week, Heritage Financial had 2 more articles in the media than C&F Financial. MarketBeat recorded 5 mentions for Heritage Financial and 3 mentions for C&F Financial. Heritage Financial's average media sentiment score of 1.51 beat C&F Financial's score of 0.50 indicating that Heritage Financial is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment C&F Financial 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive Heritage Financial 5 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive SummaryHeritage Financial beats C&F Financial on 16 of the 21 factors compared between the two stocks. Remove Ads Get C&F Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for CFFI and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart CFFI vs. The Competition Export to ExcelMetricC&F FinancialState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$193.59M$2.87B$10.83B$7.34BDividend Yield3.29%4.10%6.00%4.31%P/E Ratio9.9121.6821.6717.76Price / Sales1.572.9025.1497.68Price / Cash9.2910.6317.6134.64Price / Book0.931.102.563.98Net Income$19.92M$372.21M$1.03B$247.44M7 Day Performance2.33%2.77%2.70%4.43%1 Month Performance-18.60%-6.01%-3.77%-7.73%1 Year Performance69.02%16.22%535.16%1.28% C&F Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CFFIC&F Financial2.47 of 5 stars$59.75+3.3%N/A+67.1%$193.59M$123.69M9.91610Short Interest ↓HFWAHeritage Financial4.2942 of 5 stars$21.34-0.7%$25.67+20.3%+27.0%$725.37M$216.84M17.21830Upcoming EarningsPositive NewsFCBCFirst Community Bankshares2.7971 of 5 stars$36.40+0.5%$38.00+4.4%+20.3%$667.10M$156.22M12.82630Upcoming EarningsNews CoverageCPFCentral Pacific Financial3.5613 of 5 stars$24.17+0.8%N/A+33.0%$655.37M$246.11M12.27780Upcoming EarningsPositive NewsGap DownMBWMMercantile Bank4.0959 of 5 stars$39.84+1.0%$54.67+37.2%+18.1%$646.64M$231.48M8.05670Upcoming EarningsShort Interest ↑HTBIHomeTrust Bancshares2.3706 of 5 stars$36.53-1.8%$42.50+16.4%+53.1%$640.28M$202.13M11.41520Upcoming EarningsAnalyst ForecastHigh Trading VolumeHAFCHanmi Financial4.4425 of 5 stars$20.65+1.1%$25.75+24.7%+47.8%$624.33M$233.50M10.07630Upcoming EarningsHigh Trading VolumeCACCamden National4.2021 of 5 stars$36.35-0.3%$48.33+33.0%+29.2%$613.04M$172.62M10.04620Analyst ForecastShort Interest ↑GSBCGreat Southern Bancorp2.9495 of 5 stars$50.85-1.6%$64.00+25.9%+3.5%$589.76M$219.71M9.671,100Earnings ReportNews CoveragePositive NewsHBNCHorizon Bancorp4.7534 of 5 stars$13.29flat$18.67+40.5%+17.2%$584.96M$187.50M16.61910Upcoming EarningsPositive NewsEGBNEagle Bancorp3.4261 of 5 stars$19.16-1.2%$28.75+50.1%-4.0%$578.71M$308.63M-12.20500Upcoming EarningsNews Coverage Remove Ads Related Companies and Tools Related Companies HFWA Competitors FCBC Competitors CPF Competitors MBWM Competitors HTBI Competitors HAFC Competitors CAC Competitors GSBC Competitors HBNC Competitors EGBN Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CFFI) was last updated on 4/17/2025 by MarketBeat.com Staff From Our Partners[Action Required] Claim Your FREE IRS Loophole GuideThis shouldn't surprise anyone who's been paying attention, but... 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