C&F Financial (CFFI) Competitors

C&F Financial (NASDAQ:CFFI) and Univest Financial (NASDAQ:UVSP) 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, media sentiment, analyst recommendations, risk, dividends, institutional ownership, earnings, community ranking and profitability.

Do insiders & institutionals hold more shares of CFFI or UVSP?

37.2% of C&F Financial shares are held by institutional investors. Comparatively, 75.1% of Univest Financial shares are held by institutional investors. 6.3% of C&F Financial shares are held by company insiders. Comparatively, 2.1% of Univest Financial shares are held by company 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 risk & volatility, CFFI or UVSP?

C&F Financial has a beta of 0.38, meaning that its stock price is 62% less volatile than the S&P 500. Comparatively, Univest Financial has a beta of 0.88, meaning that its stock price is 12% less volatile than the S&P 500.

Does the MarketBeat Community favor CFFI or UVSP?

C&F Financial received 30 more outperform votes than Univest Financial when rated by MarketBeat users. Likewise, 68.21% of users gave C&F Financial an outperform vote while only 50.31% of users gave Univest Financial an outperform vote.

Company	Underperform	Outperform
C&F Financial	Outperform Votes 191 68.21%	Underperform Votes 89 31.79%
Univest Financial	Outperform Votes 161 50.31%	Underperform Votes 159 49.69%

Does the media refer more to CFFI or UVSP?

In the previous week, C&F Financial had 3 more articles in the media than Univest Financial. MarketBeat recorded 4 mentions for C&F Financial and 1 mentions for Univest Financial. Univest Financial's average media sentiment score of 1.56 beat C&F Financial's score of 0.14 indicating that Univest Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
C&F Financial	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Univest Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Is CFFI or UVSP a better dividend stock?

C&F Financial pays an annual dividend of $1.76 per share and has a dividend yield of 2.2%. Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.7%. C&F Financial pays out 31.1% of its earnings in the form of a dividend. Univest Financial pays out 33.7% 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. C&F Financial has raised its dividend for 12 consecutive years.

Do analysts prefer CFFI or UVSP?

Univest Financial has a consensus target price of $28.00, indicating a potential downside of 11.00%. Given Univest Financial's stronger consensus rating and higher probable upside, analysts plainly believe Univest Financial is more favorable than C&F Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
C&F Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Univest Financial	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Which has preferable earnings & valuation, CFFI or UVSP?

Univest Financial has higher revenue and earnings than C&F Financial. Univest Financial is trading at a lower price-to-earnings ratio than C&F 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
C&F Financial	$153.75M	1.65	$23.60M	$5.66	13.85
Univest Financial	$448.55M	2.04	$71.10M	$2.49	12.63

Is CFFI or UVSP more profitable?

Univest Financial has a net margin of 14.90% compared to C&F Financial's net margin of 11.39%. C&F Financial's return on equity of 8.58% beat Univest Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
C&F Financial	11.39%	8.58%	0.76%
Univest Financial	14.90%	8.24%	0.89%

Summary

Univest Financial beats C&F Financial on 11 of the 20 factors compared between the two stocks.