C & F Financial [CFFI] vs Hawthorn Bancshares [HWBK] Detailed Stock Comparison

C & F Financial Corp.

NASDAQ
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Hawthorn Bancshares Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: C & F Financial Corp. wins in 9 metrics, Hawthorn Bancshares Inc. wins in 10 metrics, with 0 ties. Hawthorn Bancshares Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric C & F Financial Corp. Hawthorn Bancshares Inc. Better
P/E Ratio (TTM) 8.56 9.72 C & F Financial Corp.
Price-to-Book Ratio 0.93 1.32 C & F Financial Corp.
Debt-to-Equity Ratio 0.45 0.89 C & F Financial Corp.
PEG Ratio 0.80 0.27 Hawthorn Bancshares Inc.
Profit Margin (TTM) 20.76% 29.77% Hawthorn Bancshares Inc.
Operating Margin (TTM) 25.03% 29.72% Hawthorn Bancshares Inc.
EBITDA Margin (TTM) 25.03% 29.72% Hawthorn Bancshares Inc.
Return on Equity 11.03% 14.70% Hawthorn Bancshares Inc.
Return on Assets (TTM) 1.01% 1.28% Hawthorn Bancshares Inc.
Free Cash Flow (TTM) $22.16M $22.84M Hawthorn Bancshares Inc.
Dividend Yield 3.10% 2.76% C & F Financial Corp.
1-Year Return 10.84% 27.31% Hawthorn Bancshares Inc.
Price-to-Sales Ratio (TTM) 1.88 2.88 C & F Financial Corp.
Enterprise Value $279.16M $280.61M Hawthorn Bancshares Inc.
EV/Revenue Ratio 2.16 3.51 C & F Financial Corp.
Revenue per Share (TTM) $40 $12 C & F Financial Corp.
Earnings per Share (Diluted) $8.71 $3.43 C & F Financial Corp.
Beta (Stock Volatility) 0.35 0.49 C & F Financial Corp.
Short % of Float 1.33% 1.10% Hawthorn Bancshares Inc.

C & F Financial Corp. vs Hawthorn Bancshares Inc. Stock Performance Analysis

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CFFI
HWBK

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
C & F Financial Corp.-3.68%-1.30%-0.79%-2.20%7.24%3.35%
Hawthorn Bancshares Inc.-3.03%0.00%6.89%7.11%6.67%7.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
C & F Financial Corp.10.84%44.04%42.07%73.90%244.95%87.66%
Hawthorn Bancshares Inc.27.31%105.32%67.08%184.64%479.62%66.47%

Performance & Financial Health Analysis: C & F Financial Corp. vs Hawthorn Bancshares Inc.

MetricCFFIHWBK
Market Information
Market Cap i$245.88M$240.53M
Market Cap CategoryMicro capMicro cap
10 Day Avg. Volume i4,8507,050
90 Day Avg. Volume i5,2408,287
Last Close$70.38$35.20
52 Week Range$57.09 - $80.99$27.07 - $37.30
% from 52W High-13.10%-5.63%
All-Time High$89.90 (Feb 10, 2025)$37.30 (May 08, 2026)
% from All-Time High-21.71%-5.63%
Growth Metrics
Quarterly Revenue Growth0.13%0.09%
Quarterly Earnings Growth0.11%0.35%
Financial Health
Profit Margin (TTM) i0.21%0.30%
Operating Margin (TTM) i0.25%0.30%
Return on Equity (TTM) i0.11%0.15%
Debt to Equity (MRQ) i0.450.89
Cash & Liquidity
Book Value per Share (MRQ)$80.64$25.25
Cash per Share (MRQ)$25.43$15.29
Operating Cash Flow (TTM) i$24.49M$26.92M
Levered Free Cash Flow (TTM) i$26.84M$23.80M
Dividends
Last 12-Month Dividend Yield i3.10%2.76%
Last 12-Month Dividend i$2.32$1.00

Valuation & Enterprise Metrics Analysis: C & F Financial Corp. vs Hawthorn Bancshares Inc.

MetricCFFI (Apr 26, 2026)HWBK (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.569.72
Forward P/E iN/AN/A
PEG Ratio i0.800.27
Price to Sales (TTM) i1.882.88
Price to Book (MRQ) i0.931.32
Market Capitalization
Market Capitalization i$245.88M$240.53M
Enterprise Value i$279.16M$280.61M
Enterprise Value Metrics
Enterprise to Revenue i2.163.51
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.350.49
Book Value per Share (MRQ) i$80.64$25.25

Financial Statements Comparison: C & F Financial Corp. vs Hawthorn Bancshares Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCFFI (2025)HWBK (2025)
Revenue/Sales i136.96M80.31M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i33.07M29.10M
Pre-Tax Income % of Revenue i24.1%36.2%
Income Tax i6.08M5.30M
Income Tax % of Revenue i4.4%6.6%
Net Income (Profit) i26.99M23.80M
Profit Margin i19.7%29.6%

Balance Sheet & Liquidity Metrics

MetricCFFI (2025)HWBK (2025)
Cash & Equivalents i79.13M105.31M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i93.34M155.46M
Long-Term Debt % of Revenue i68.1%193.6%
Total Shareholders Equity i262.35M174.23M
Retained Earnings i268.70M107.86M
Retained Earnings % of Revenue i196.2%134.3%
Property, Plant & Equipment iN/A5.35M

Cash Flow Statement Comparison

MetricCFFI (2025)HWBK (2025)
Operating Cash Flow i20.93M26.81M
Operating Cash Flow % of Revenue i15.3%33.4%
Capital Expenditures i-2.33M-3.96M
Free Cash Flow i22.16M22.84M
FCF Margin i16.2%28.4%
Debt Repayment i-20.00M-40.00M
Common Stock Repurchase i-943,000-2.86M

Short Interest & Institutional Ownership Analysis

MetricCFFIHWBK
Shares Short i40,49158,509
Short Ratio i9.008.37
Short % of Float i1.33%1.10%
Shares Outstanding i3.25M6.90M
Float Shares i3.03M6.21M
% Held by Insiders i6.74%17.94%
% Held by Institutions i41.38%31.23%
% Held by Public i51.88%50.83%

Dividend Analysis & Yield Comparison: C & F Financial Corp. vs Hawthorn Bancshares Inc.

MetricCFFIHWBK
Last 12-Month Dividend i$2.32$1.00
Last 12-Month Dividend Yield i3.10%2.76%
3-Year Avg Annual Dividend i$1.95$0.80
3-Year Avg Dividend Yield i0.73%0.75%
3-Year Total Dividends i$5.84$2.40
Ex-Dividend DateMar 13, 2026Mar 13, 2026