May 17, 2022

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Financial Analysis: MVB Financial (NASDAQ:MVBF) vs. C&F Financial (NASDAQ:CFFI)

C&F Financial (NASDAQ:CFFI) and MVB Financial (NASDAQ:MVBF) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, valuation, dividends, institutional ownership, earnings, risk and analyst recommendations.

Volatility and Risk

C&F Financial has a beta of 0.46, indicating that its share price is 54{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} less volatile than the S&P 500. Comparatively, MVB Financial has a beta of 0.83, indicating that its share price is 17{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} less volatile than the S&P 500.

Profitability

This table compares C&F Financial and MVB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
C&F Financial 12.39{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} 10.63{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} 1.03{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}
MVB Financial 16.13{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} 13.29{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} 1.34{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}

Dividends

C&F Financial pays an annual dividend of $1.52 per share and has a dividend yield of 4.9{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}. MVB Financial pays an annual dividend of $0.36 per share and has a dividend yield of 2.1{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}. MVB Financial pays out 16.7{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of its earnings in the form of a dividend. C&F Financial has increased its dividend for 1 consecutive years and MVB Financial has increased its dividend for 2 consecutive years.

Institutional and Insider Ownership

33.2{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of C&F Financial shares are owned by institutional investors. Comparatively, 37.8{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of MVB Financial shares are owned by institutional investors. 5.6{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of C&F Financial shares are owned by company insiders. Comparatively, 17.1{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of MVB Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for C&F Financial and MVB Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
C&F Financial 0 0 0 0 N/A
MVB Financial 0 0 1 0 3.00

MVB Financial has a consensus target price of $17.50, suggesting a potential upside of 0.34{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb}. Given MVB Financial’s higher probable upside, analysts plainly believe MVB Financial is more favorable than C&F Financial.

Earnings & Valuation

This table compares C&F Financial and MVB Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
C&F Financial $127.02 million 0.89 $18.86 million N/A N/A
MVB Financial $146.96 million 1.42 $26.99 million $2.16 8.07

MVB Financial has higher revenue and earnings than C&F Financial.

Summary

MVB Financial beats C&F Financial on 13 of the 15 factors compared between the two stocks.

About C&F Financial

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company’s Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 25 Virginia branches located 1 each in Cartersville, Charlottesville, Chester, Cumberland, Hampton, Mechanicsville, Newport News, Norge, Powhatan, Providence Forge, Quinton, Saluda, Sandston, West Point, and Yorktown; 2 in Williamsburg; 4 in Richmond; and 4 in Midlothian. The company’s Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 2 offices in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company’s Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia; and Nashville, Tennessee. Its Other segment offers brokerage and wealth management services; and insurance products. The company also provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.

About MVB Financial

MVB Financial Corp., through its subsidiaries, provides banking and mortgage products and services to individuals and corporate clients in the Mid-Atlantic region. The company operates through three segments: Commercial and Retail Banking; Mortgage Banking; and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and grants various types of loans, including commercial and commercial real estate loans, residential real estate loans, home equity lines of credit, real estate construction loans, and consumer loans. The company also provides debit cards; cashier’s checks; safe deposit rental facilities; and non-deposit investment services, as well as automated teller machines, and Internet and telephone banking services. The company operates 15 full-service banking branches and 11 mortgage offices. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.

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