C&F Financial (CFFI) Competitors

Southside Bancshares (NASDAQ:SBSI) and C&F Financial (NASDAQ:CFFI) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, institutional ownership, profitability, media sentiment, risk and dividends.

Which has more volatility and risk, SBSI or CFFI?

Southside Bancshares has a beta of 0.7, meaning that its stock price is 30% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500.

Do institutionals and insiders hold more shares of SBSI or CFFI?

55.7% of Southside Bancshares shares are held by institutional investors. Comparatively, 37.2% of C&F Financial shares are held by institutional investors. 6.0% of Southside Bancshares shares are held by company insiders. Comparatively, 6.3% of C&F Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Do analysts recommend SBSI or CFFI?

Southside Bancshares presently has a consensus price target of $35.00, indicating a potential upside of 14.94%. Given Southside Bancshares' stronger consensus rating and higher probable upside, analysts clearly believe Southside Bancshares is more favorable than C&F Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southside Bancshares	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
C&F Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is SBSI or CFFI more profitable?

Southside Bancshares has a net margin of 19.40% compared to C&F Financial's net margin of 13.67%. Southside Bancshares' return on equity of 11.10% beat C&F Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Southside Bancshares	19.40%	11.10%	1.06%
C&F Financial	13.67%	10.52%	0.94%

Is SBSI or CFFI a better dividend stock?

Southside Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 4.7%. C&F Financial pays an annual dividend of $1.84 per share and has a dividend yield of 2.6%. Southside Bancshares pays out 51.1% of its earnings in the form of a dividend. C&F Financial pays out 24.4% 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. Southside Bancshares has increased its dividend for 30 consecutive years and C&F Financial has increased its dividend for 1 consecutive years. Southside Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has stronger valuation & earnings, SBSI or CFFI?

Southside Bancshares has higher revenue and earnings than C&F Financial. C&F Financial is trading at a lower price-to-earnings ratio than Southside Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Southside Bancshares	$260.02M	3.52	$88.49M	$2.82	10.80
C&F Financial	$170.13M	1.34	$19.83M	$7.55	9.29

Does the media prefer SBSI or CFFI?

In the previous week, Southside Bancshares had 3 more articles in the media than C&F Financial. MarketBeat recorded 4 mentions for Southside Bancshares and 1 mentions for C&F Financial. Southside Bancshares' average media sentiment score of 1.73 beat C&F Financial's score of 1.28 indicating that Southside Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
Southside Bancshares	Very Positive
C&F Financial	Positive

Summary

Southside Bancshares beats C&F Financial on 15 of the 18 factors compared between the two stocks.