C & F Financial vs Citizens & Northern
C & F Financial and Citizens & Northern are similar in size: $141m and $123m of revenue in their latest fiscal years. Citizens & Northern grew faster (13.3% against 10.6%). Citizens & Northern kept more of each dollar of sales as profit: a net margin of 19.1% against 19.1%.
| Latest fiscal year | C & F FinancialCFFI, 2025 | Citizens & NorthernCZNC, 2025 |
|---|---|---|
| Revenue | $141m | $123m |
| Revenue growth | 10.6% | 13.3% |
| Net income | $26.8m | $23.4m |
| Operating margin | — | — |
| Net margin | 19.1% | 19.1% |
| Return on equity | 11.0% | 7.6% |
| Free cash flow | $22.2m | $30.1m |
| Cash | $79.1m | $46.1m |
| Total debt | $80.0m | $28.6m |
| Debt to equity | — | — |
| Dividend per share | $1.84 | — |
| Dividend yield | 1.7% | 3.5% |
| Share buybacks | $943,000 | — |
| Employees | 575 | 460 |
| Market value | $364m | $502m |
| Price vs our value range | — | — |
| Moat score | 65 (Moderate) | 71 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |