C&F Financial Corporation (CFFI) vs FVCBankcorp, Inc. (FVCB)
A side-by-side comparison of C&F Financial Corporation and FVCBankcorp, 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.
Total return — CFFI vs FVCB
growth of $100 · dividends reinvested · last 10yCFFI vs FVCB: by the numbers
- •CFFI is the larger company ($324M vs $319M market cap).
- •CFFI trades at the lower trailing earnings multiple (11.09 vs 12.48 P/E), one valuation lens rather than an overall verdict.
- •FVCB converts more revenue to profit (27.02% vs 15.15% net margin).
- •FVCB grew revenue faster over the past five years (6.81% vs 4.60% CAGR).
- •CFFI pays the higher dividend yield (1.91% vs 1.47%).
Metrics side by side
Valuation
| Metric | CFFI | FVCB |
|---|---|---|
| P/E ratio | 11.09 | 12.48 |
| Forward P/E | 10.56 | 11.21 |
| PEG ratio | 1.71 | 1.90 |
| P/S ratio | 1.69 | 3.34 |
| P/B ratio | 1.17 | 1.20 |
Profitability
| Metric | CFFI | FVCB |
|---|---|---|
| Operating margin | 18.82% | 23.15% |
| Net margin | 15.15% | 27.02% |
| ROE | 10.47% | 9.74% |
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.
FVCBankcorp, 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 | FVCB |
|---|---|---|
| Dividend yield | 1.91% | 1.47% |
| Payout ratio | 21.18% | 18.31% |
Growth (annualized)
| Metric | CFFI | FVCB |
|---|---|---|
| Revenue CAGR (5Y) | 4.60% | 6.81% |
| EPS CAGR (5Y) | 6.47% | 5.81% |
| Total return CAGR (5Y) | 16.77% | 2.33% |
Frequently asked
- Which has the lower trailing P/E, CFFI or FVCB?
- CFFI has the lower trailing P/E: CFFI trades at 11.09 and FVCB at 12.48. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CFFI or FVCB?
- Over the past five years, FVCB grew revenue faster — CFFI at a 4.60% CAGR versus FVCB at 6.81%.
- Does CFFI or FVCB pay a bigger dividend?
- CFFI yields 1.91% and FVCB yields 1.47% based on trailing dividends and the latest price.
- Is CFFI or FVCB more profitable?
- FVCB runs the higher net margin — CFFI at 15.15% versus FVCB at 27.02%.
- How have CFFI and FVCB total returns compared?
- Over the past 10 years, CFFI delivered 12.08% and FVCB delivered 5.19% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
C&F Financial & FVCBankcorp appear in these rankings
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.