C & F Financial vs Waterstone Financial
C & F Financial and Waterstone Financial are similar in size: $141m and $142m of revenue in their latest fiscal years. C & F Financial grew faster (10.6% against 4.8%). C & F Financial kept more of each dollar of sales as profit: a net margin of 19.1% against 18.6%.
| Latest fiscal year | C & F FinancialCFFI, 2025 | Waterstone FinancialWSBF, 2025 |
|---|---|---|
| Revenue | $141m | $142m |
| Revenue growth | 10.6% | 4.8% |
| Net income | $26.8m | $26.4m |
| Operating margin | — | — |
| Net margin | 19.1% | 18.6% |
| Return on equity | 11.0% | 7.7% |
| Free cash flow | $22.2m | $23.0m |
| Cash | $79.1m | — |
| Total debt | $80.0m | $412m |
| Debt to equity | — | — |
| Dividend per share | $1.84 | $0.60 |
| Dividend yield | 1.7% | 3.0% |
| Share buybacks | $943,000 | $16.2m |
| Employees | 575 | 593 |
| Market value | $364m | $359m |
| Price vs our value range | — | — |
| Moat score | 65 (Moderate) | 81 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 12 sales |