C & F Financial [CFFI] vs PNC Financial [PNC] Detailed Stock Comparison

C & F Financial Corp.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: C & F Financial Corp. wins in 8 metrics, PNC Financial Services Group, Inc. wins in 11 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric C & F Financial Corp. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 8.56 12.56 C & F Financial Corp.
Price-to-Book Ratio 0.93 1.39 C & F Financial Corp.
Debt-to-Equity Ratio 0.45 1.12 C & F Financial Corp.
PEG Ratio 0.80 11.84 C & F Financial Corp.
Profit Margin (TTM) 20.76% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 25.03% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 25.03% 35.28% PNC Financial Services Group, Inc.
Return on Equity 11.03% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.01% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $22.16M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.10% 3.02% C & F Financial Corp.
1-Year Return 10.84% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 1.88 3.35 C & F Financial Corp.
Enterprise Value $279.16M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 2.16 6.11 C & F Financial Corp.
Revenue per Share (TTM) $40 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $8.71 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.35 1.07 C & F Financial Corp.
Short % of Float 1.33% 1.26% PNC Financial Services Group, Inc.

C & F Financial Corp. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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CFFI
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
C & F Financial Corp.-1.79%-1.30%-0.79%-2.20%7.24%3.35%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
C & F Financial Corp.10.84%44.04%42.07%73.90%244.95%87.66%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

Performance & Financial Health Analysis: C & F Financial Corp. vs PNC Financial Services Group, Inc.

MetricCFFIPNC
Market Information
Market Cap i$245.88M$70.31B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i4,8501,904,080
90 Day Avg. Volume i5,2401,960,760
Last Close$71.76$218.27
52 Week Range$57.09 - $80.99$172.73 - $243.94
% from 52W High-11.40%-10.52%
All-Time High$89.90 (Feb 10, 2025)$243.94 (Feb 06, 2026)
% from All-Time High-20.18%-10.52%
Growth Metrics
Quarterly Revenue Growth0.13%0.05%
Quarterly Earnings Growth0.11%0.11%
Financial Health
Profit Margin (TTM) i0.21%0.29%
Operating Margin (TTM) i0.25%0.35%
Return on Equity (TTM) i0.11%0.11%
Debt to Equity (MRQ) i0.451.12
Cash & Liquidity
Book Value per Share (MRQ)$80.64$127.98
Cash per Share (MRQ)$25.43$27.54
Operating Cash Flow (TTM) i$24.49M$5.61B
Levered Free Cash Flow (TTM) i$26.84M$5.50B
Dividends
Last 12-Month Dividend Yield i3.10%3.02%
Last 12-Month Dividend i$2.32$6.70

Valuation & Enterprise Metrics Analysis: C & F Financial Corp. vs PNC Financial Services Group, Inc.

MetricCFFI (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i8.5612.56
Forward P/E iN/A11.84
PEG Ratio i0.8011.84
Price to Sales (TTM) i1.883.35
Price to Book (MRQ) i0.931.39
Market Capitalization
Market Capitalization i$245.88M$70.31B
Enterprise Value i$279.16M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i2.166.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.351.07
Book Value per Share (MRQ) i$80.64$127.98

Financial Statements Comparison: C & F Financial Corp. vs PNC Financial Services Group, 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)PNC (2024)
Revenue/Sales i136.96M20.81B
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 i33.07M7.24B
Pre-Tax Income % of Revenue i24.1%34.8%
Income Tax i6.08M1.29B
Income Tax % of Revenue i4.4%6.2%
Net Income (Profit) i26.99M5.95B
Profit Margin i19.7%28.6%

Balance Sheet & Liquidity Metrics

MetricCFFI (2025)PNC (2024)
Cash & Equivalents i79.13M46.25B
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 i93.34M61.67B
Long-Term Debt % of Revenue i68.1%296.4%
Total Shareholders Equity i262.35M54.47B
Retained Earnings i268.70M59.28B
Retained Earnings % of Revenue i196.2%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricCFFI (2025)PNC (2024)
Operating Cash Flow i20.93M7.96B
Operating Cash Flow % of Revenue i15.3%38.3%
Capital Expenditures i-2.33MN/A
Free Cash Flow i22.16M7.88B
FCF Margin i16.2%37.9%
Debt Repayment i-20.00M-23.75B
Common Stock Repurchase i-943,000-1.19B

Short Interest & Institutional Ownership Analysis

MetricCFFIPNC
Shares Short i40,4914.98M
Short Ratio i9.002.41
Short % of Float i1.33%1.26%
Shares Outstanding i3.25M395.94M
Float Shares i3.03M392.38M
% Held by Insiders i6.74%0.38%
% Held by Institutions i41.38%85.29%
% Held by Public i51.88%14.33%

Dividend Analysis & Yield Comparison: C & F Financial Corp. vs PNC Financial Services Group, Inc.

MetricCFFIPNC
Last 12-Month Dividend i$2.32$6.70
Last 12-Month Dividend Yield i3.10%3.02%
3-Year Avg Annual Dividend i$1.95$6.40
3-Year Avg Dividend Yield i0.73%1.00%
3-Year Total Dividends i$5.84$19.20
Ex-Dividend DateMar 13, 2026Jan 20, 2026