C&F Financial Corporation (CFFI) vs John Marshall Bancorp, Inc. (JMSB)
A side-by-side comparison of C&F Financial Corporation and John Marshall 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.
Total return — CFFI vs JMSB
growth of $100 · dividends reinvested · last 10yCFFI vs JMSB: by the numbers
- •JMSB is the larger company ($326M vs $324M market cap).
- •CFFI trades at the lower trailing earnings multiple (11.10 vs 13.37 P/E), one valuation lens rather than an overall verdict.
- •JMSB converts more revenue to profit (20.46% vs 15.15% net margin).
- •JMSB grew revenue faster over the past five years (13.00% vs 4.60% CAGR).
- •CFFI pays the higher dividend yield (1.91% vs 1.22%).
Metrics side by side
Valuation
| Metric | CFFI | JMSB |
|---|---|---|
| P/E ratio | 11.10 | 13.37 |
| Forward P/E | 10.57 | 12.14 |
| PEG ratio | 1.72 | 6.72 |
| P/S ratio | 1.69 | 2.73 |
| P/B ratio | 1.17 | 1.19 |
Profitability
| Metric | CFFI | JMSB |
|---|---|---|
| Operating margin | 18.82% | 26.13% |
| Net margin | 15.15% | 20.46% |
| ROE | 10.47% | 8.93% |
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.
John Marshall 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 | JMSB |
|---|---|---|
| Dividend yield | 1.91% | 1.22% |
| Payout ratio | 21.18% | 16.18% |
Growth (annualized)
| Metric | CFFI | JMSB |
|---|---|---|
| Revenue CAGR (5Y) | 4.60% | 13.00% |
| EPS CAGR (5Y) | 6.47% | 1.83% |
| Total return CAGR (5Y) | 16.77% | 6.16% |
Frequently asked
- Which has the lower trailing P/E, CFFI or JMSB?
- CFFI has the lower trailing P/E: CFFI trades at 11.10 and JMSB at 13.37. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CFFI or JMSB?
- Over the past five years, JMSB grew revenue faster — CFFI at a 4.60% CAGR versus JMSB at 13.00%.
- Does CFFI or JMSB pay a bigger dividend?
- CFFI yields 1.91% and JMSB yields 1.22% based on trailing dividends and the latest price.
- Is CFFI or JMSB more profitable?
- JMSB runs the higher net margin — CFFI at 15.15% versus JMSB at 20.46%.
- How have CFFI and JMSB total returns compared?
- Over the past 10 years, CFFI delivered 12.08% and JMSB delivered 5.74% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
C&F Financial & John Marshall Bancorp 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.