C & F Financial vs Home Bancorp
C & F Financial and Home Bancorp are similar in size: $141m and $149m of revenue in their latest fiscal years. C & F Financial grew faster (10.6% against 10.3%). Home Bancorp kept more of each dollar of sales as profit: a net margin of 31.0% against 19.1%.
| Latest fiscal year | C & F FinancialCFFI, 2025 | Home BancorpHBCP, 2025 |
|---|---|---|
| Revenue | $141m | $149m |
| Revenue growth | 10.6% | 10.3% |
| Net income | $26.8m | $46.1m |
| Operating margin | — | — |
| Net margin | 19.1% | 31.0% |
| Return on equity | 11.0% | 11.1% |
| Free cash flow | $22.2m | $44.3m |
| Cash | $79.1m | $142m |
| Total debt | $80.0m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.84 | $1.14 |
| Dividend yield | 1.7% | 2.0% |
| Share buybacks | $943,000 | $14.4m |
| Employees | 575 | 486 |
| Market value | $364m | $483m |
| Price vs our value range | — | — |
| Moat score | 65 (Moderate) | 83 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |