Which has the lower trailing P/E, CFFI or FSBW?

FSBW has the lower trailing P/E: CFFI trades at 11.04 and FSBW at 10.25. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CFFI or FSBW pay a bigger dividend?

CFFI yields 1.91% and FSBW yields 2.59% based on trailing dividends and the latest price.

Is CFFI or FSBW more profitable?

FSBW runs the higher net margin — CFFI at 15.15% versus FSBW at 18.67%.

How have CFFI and FSBW total returns compared?

Over the past 10 years, CFFI delivered 12.08% and FSBW delivered 14.47% annualized total return. Past performance doesn't predict future results.

C&F Financial Corporation (CFFI) vs FS Bancorp, Inc. (FSBW)

A side-by-side comparison of C&F Financial Corporation and FS Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

CFFI

C&F Financial Corporation

$322M

$99.01Financial ServicesDelayed quote: Oct 6, 2026, 10:04 AM EDT

FSBW

FS Bancorp, Inc.

$330M

$44.50Financial ServicesDelayed quote: Oct 6, 2026, 10:04 AM EDT

Total return — CFFI vs FSBW

growth of $100 · dividends reinvested · last 10y

CFFI +214.1% (+12.1%/yr)FSBW +286.9% (+14.5%/yr)FSBW compounded faster over this window

CFFI FSBW

CFFI vs FSBW: by the numbers

•FSBW is the larger company ($330M vs $322M market cap).
•FSBW trades at the lower trailing earnings multiple (10.25 vs 11.04 P/E), one valuation lens rather than an overall verdict.
•FSBW converts more revenue to profit (18.67% vs 15.15% net margin).
•FSBW pays the higher dividend yield (2.59% vs 1.91%).

Metrics side by side

Valuation

Metric	CFFI	FSBW
P/E ratio	11.04	10.25
Forward P/E	10.51	10.25
PEG ratio	1.71	N/A
P/S ratio	1.68	1.85
P/B ratio	1.16	1.03

Profitability

Metric	CFFI	FSBW
Operating margin	18.82%	14.28%
Net margin	15.15%	18.67%
ROE	10.47%	10.46%

C&F Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

FS Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	CFFI	FSBW
Dividend yield	1.91%	2.59%
Payout ratio	21.18%	26.50%

Growth (annualized)

Metric	CFFI	FSBW
Revenue CAGR (5Y)	4.60%	4.56%
EPS CAGR (5Y)	6.47%	-1.03%
Total return CAGR (5Y)	16.77%	8.32%

Frequently asked

Which has the lower trailing P/E, CFFI or FSBW?: FSBW has the lower trailing P/E: CFFI trades at 11.04 and FSBW at 10.25. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CFFI or FSBW pay a bigger dividend?: CFFI yields 1.91% and FSBW yields 2.59% based on trailing dividends and the latest price.
Is CFFI or FSBW more profitable?: FSBW runs the higher net margin — CFFI at 15.15% versus FSBW at 18.67%.
How have CFFI and FSBW total returns compared?: Over the past 10 years, CFFI delivered 12.08% and FSBW delivered 14.47% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CFFI analysis Full FSBW analysis Interactive comparison tool

Dig into the metrics

C&F Financial P/E ratio FS Bancorp P/E ratio C&F Financial dividend yield FS Bancorp dividend yield C&F Financial ROE FS Bancorp ROE C&F Financial operating margin FS Bancorp operating margin C&F Financial revenue growth FS Bancorp revenue growth

C&F Financial & FS Bancorp appear in these rankings

Highest Dividend Yield Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.