CFFI vs. PWOD, OVLY, CHMG, BMRC, CZNC, WTBA, BSRR, EBTC, MOFG, and CCNE
Should you be buying C&F Financial stock or one of its competitors? The main competitors of C&F Financial include Penns Woods Bancorp (PWOD), Oak Valley Bancorp (OVLY), Chemung Financial (CHMG), Bank of Marin Bancorp (BMRC), Citizens & Northern (CZNC), West Bancorporation (WTBA), Sierra Bancorp (BSRR), Enterprise Bancorp (EBTC), MidWestOne Financial Group (MOFG), and CNB Financial (CCNE). These companies are all part of the "state commercial banks" industry.
Penns Woods Bancorp (NASDAQ:PWOD) and C&F Financial (NASDAQ:CFFI) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, media sentiment, dividends, valuation, earnings, profitability, community ranking and analyst recommendations.
Penns Woods Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 6.9%. C&F Financial pays an annual dividend of $1.76 per share and has a dividend yield of 4.1%. Penns Woods Bancorp pays out 58.7% of its earnings in the form of a dividend. C&F Financial pays out 29.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. C&F Financial has increased its dividend for 12 consecutive years.
C&F Financial has higher revenue and earnings than Penns Woods Bancorp. C&F Financial is trading at a lower price-to-earnings ratio than Penns Woods Bancorp, indicating that it is currently the more affordable of the two stocks.
27.9% of Penns Woods Bancorp shares are owned by institutional investors. Comparatively, 37.2% of C&F Financial shares are owned by institutional investors. 4.0% of Penns Woods Bancorp shares are owned by insiders. Comparatively, 6.3% of C&F Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Penns Woods Bancorp has a net margin of 14.79% compared to Penns Woods Bancorp's net margin of 13.29%. Penns Woods Bancorp's return on equity of 10.01% beat C&F Financial's return on equity.
C&F Financial received 107 more outperform votes than Penns Woods Bancorp when rated by MarketBeat users. Likewise, 68.59% of users gave C&F Financial an outperform vote while only 44.86% of users gave Penns Woods Bancorp an outperform vote.
In the previous week, Penns Woods Bancorp had 7 more articles in the media than C&F Financial. MarketBeat recorded 10 mentions for Penns Woods Bancorp and 3 mentions for C&F Financial. C&F Financial's average media sentiment score of 1.39 beat Penns Woods Bancorp's score of 0.97 indicating that Penns Woods Bancorp is being referred to more favorably in the media.
Penns Woods Bancorp has a beta of 0.47, suggesting that its stock price is 53% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.39, suggesting that its stock price is 61% less volatile than the S&P 500.
Summary
C&F Financial beats Penns Woods Bancorp on 11 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CFFI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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.
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