C&F Financial (CFFI) Competitors

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

Does the MarketBeat Community believe in UVSP or CFFI?

C&F Financial received 32 more outperform votes than Univest Financial when rated by MarketBeat users. Likewise, 67.96% of users gave C&F Financial an outperform vote while only 50.16% of users gave Univest Financial an outperform vote.

Company	Underperform	Outperform
Univest Financial	Outperform Votes 161 50.16%	Underperform Votes 160 49.84%
C&F Financial	Outperform Votes 193 67.96%	Underperform Votes 91 32.04%

Is UVSP or CFFI a better dividend stock?

Univest Financial pays an annual dividend of $0.88 per share and has a dividend yield of 3.0%. C&F Financial pays an annual dividend of $1.84 per share and has a dividend yield of 2.8%. Univest Financial pays out 33.0% of its earnings in the form of a dividend. C&F Financial pays out 27.5% 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. Univest Financial has raised its dividend for 1 consecutive years and C&F Financial has raised its dividend for 1 consecutive years.

Which has better earnings and valuation, UVSP or CFFI?

Univest Financial has higher revenue and earnings than C&F Financial. C&F Financial is trading at a lower price-to-earnings ratio than Univest Financial, 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
Univest Financial	$301.36M	2.85	$75.93M	$2.67	11.15
C&F Financial	$125.53M	1.67	$19.92M	$6.68	9.70

Is UVSP or CFFI more profitable?

Univest Financial has a net margin of 15.17% compared to C&F Financial's net margin of 11.67%. C&F Financial's return on equity of 8.97% beat Univest Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Univest Financial	15.17%	8.51%	0.92%
C&F Financial	11.67%	8.97%	0.79%

Do institutionals & insiders have more ownership in UVSP or CFFI?

75.1% of Univest Financial shares are held by institutional investors. Comparatively, 37.2% of C&F Financial shares are held by institutional investors. 1.7% of Univest Financial shares are held by insiders. Comparatively, 6.3% of C&F Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Which has more volatility and risk, UVSP or CFFI?

Univest Financial has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500. Comparatively, C&F Financial has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500.

Does the media favor UVSP or CFFI?

In the previous week, Univest Financial had 2 more articles in the media than C&F Financial. MarketBeat recorded 4 mentions for Univest Financial and 2 mentions for C&F Financial. Univest Financial's average media sentiment score of 1.66 beat C&F Financial's score of 1.42 indicating that Univest Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Univest Financial	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
C&F Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate UVSP or CFFI?

Univest Financial presently has a consensus price target of $29.00, suggesting a potential downside of 2.59%. Given Univest Financial's stronger consensus rating and higher probable upside, equities analysts plainly believe Univest Financial is more favorable than C&F Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Univest Financial	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

Summary

Univest Financial beats C&F Financial on 13 of the 19 factors compared between the two stocks.