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

CFFI has the lower trailing P/E: CFFI trades at 11.28 and TWFG at 68.35. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CFFI or TWFG pay a bigger dividend?

CFFI pays a dividend (1.91% yield), while TWFG has no payments in the available dividend history.

Is CFFI or TWFG more profitable?

CFFI runs the higher net margin — CFFI at 15.15% versus TWFG at 3.09%.

C&F Financial Corporation (CFFI) vs TWFG, Inc. Common Stock (TWFG)

A side-by-side comparison of C&F Financial Corporation and TWFG, Inc. Common Stock 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

$329M

$101.19Financial ServicesDelayed quote: Oct 6, 2026, 3:10 PM EDT

TWFG

TWFG, Inc. Common Stock

$327M

$25.18Financial ServicesDelayed quote: Oct 6, 2026, 3:05 PM EDT

Total return — CFFI vs TWFG

growth of $100 · dividends reinvested · last 2y

CFFI +112.5% (+45.8%/yr)TWFG +12.4% (+6.0%/yr)CFFI compounded faster over this window

CFFI TWFG

CFFI vs TWFG: by the numbers

•CFFI is the larger company ($329M vs $327M market cap).
•CFFI trades at the lower trailing earnings multiple (11.28 vs 68.35 P/E), one valuation lens rather than an overall verdict.
•CFFI converts more revenue to profit (15.15% vs 3.09% net margin).
•CFFI pays a dividend (1.91% yield), while TWFG has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	CFFI	TWFG
P/E ratio	11.28	68.35
Forward P/E	10.74	21.60
PEG ratio	1.74	N/A
P/S ratio	1.71	1.15
P/B ratio	1.19	7.09
EV / EBITDA	N/A	3.69
FCF yield	N/A	13.75%

Profitability

Metric	CFFI	TWFG
Gross margin	N/A	27.35%
Operating margin	18.82%	16.34%
Net margin	15.15%	3.09%
ROE	10.47%	19.06%
ROIC	N/A	14.73%

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.

Dividends

Metric	CFFI	TWFG
Dividend yield	1.91%	N/A
Payout ratio	21.18%	N/A

Growth (annualized)

Metric	CFFI	TWFG
Revenue CAGR (5Y)	4.60%	N/A
EPS CAGR (5Y)	6.47%	N/A
Total return CAGR (5Y)	16.77%	N/A

Frequently asked

Which has the lower trailing P/E, CFFI or TWFG?: CFFI has the lower trailing P/E: CFFI trades at 11.28 and TWFG at 68.35. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CFFI or TWFG pay a bigger dividend?: CFFI pays a dividend (1.91% yield), while TWFG has no payments in the available dividend history.
Is CFFI or TWFG more profitable?: CFFI runs the higher net margin — CFFI at 15.15% versus TWFG at 3.09%.

Go deeper

Full CFFI analysis Full TWFG analysis Interactive comparison tool

Dig into the metrics

C&F Financial P/E ratio TWFG, Inc. Common Stock P/E ratio C&F Financial dividend yield C&F Financial ROE TWFG, Inc. Common Stock ROE C&F Financial operating margin TWFG, Inc. Common Stock operating margin C&F Financial revenue growth TWFG, Inc. Common Stock revenue growth TWFG, Inc. Common Stock free cash flow

C&F Financial & TWFG, Inc. Common Stock appear in these rankings

Highest FCF Yield 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.