C & F Financial [CFFI] vs U.S. Bancorp [USB] Detailed Stock Comparison

C & F Financial Corp.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric C & F Financial Corp. U.S. Bancorp Better
P/E Ratio (TTM) 8.56 11.92 C & F Financial Corp.
Price-to-Book Ratio 0.93 1.51 C & F Financial Corp.
Debt-to-Equity Ratio 0.45 1.21 C & F Financial Corp.
PEG Ratio 0.80 0.82 C & F Financial Corp.
Profit Margin (TTM) 20.76% 29.29% U.S. Bancorp
Operating Margin (TTM) 25.03% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 25.03% 37.84% U.S. Bancorp
Return on Equity 11.03% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.01% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $22.16M $7.97B U.S. Bancorp
Dividend Yield 3.10% 3.82% U.S. Bancorp
1-Year Return 10.84% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 1.88 3.32 C & F Financial Corp.
Enterprise Value $279.16M $126.46B U.S. Bancorp
EV/Revenue Ratio 2.16 4.75 C & F Financial Corp.
Revenue per Share (TTM) $40 $17 C & F Financial Corp.
Earnings per Share (Diluted) $8.71 $4.77 C & F Financial Corp.
Beta (Stock Volatility) 0.35 1.03 C & F Financial Corp.
Short % of Float 1.33% 0.00% U.S. Bancorp

C & F Financial Corp. vs U.S. Bancorp Stock Performance Analysis

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CFFI
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
C & F Financial Corp.-3.68%-1.30%-0.79%-2.20%7.24%3.35%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
C & F Financial Corp.10.84%44.04%42.07%73.90%244.95%87.66%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: C & F Financial Corp. vs U.S. Bancorp

MetricCFFIUSB
Market Information
Market Cap i$245.88M$88.06B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i4,8509,829,002
90 Day Avg. Volume i5,24010,401,007
Last Close$70.38$53.14
52 Week Range$57.09 - $80.99$42.55 - $61.19
% from 52W High-13.10%-13.16%
All-Time High$89.90 (Feb 10, 2025)$63.57 (Jan 10, 2022)
% from All-Time High-21.71%-16.41%
Growth Metrics
Quarterly Revenue Growth0.13%0.05%
Quarterly Earnings Growth0.11%0.14%
Financial Health
Profit Margin (TTM) i0.21%0.29%
Operating Margin (TTM) i0.25%0.38%
Return on Equity (TTM) i0.11%0.12%
Debt to Equity (MRQ) i0.451.21
Cash & Liquidity
Book Value per Share (MRQ)$80.64$37.54
Cash per Share (MRQ)$25.43$31.14
Operating Cash Flow (TTM) i$24.49M$6.04B
Levered Free Cash Flow (TTM) i$26.84M$7.19B
Dividends
Last 12-Month Dividend Yield i3.10%3.82%
Last 12-Month Dividend i$2.32$2.04

Valuation & Enterprise Metrics Analysis: C & F Financial Corp. vs U.S. Bancorp

MetricCFFI (Apr 26, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.5611.92
Forward P/E iN/A10.09
PEG Ratio i0.800.82
Price to Sales (TTM) i1.883.32
Price to Book (MRQ) i0.931.51
Market Capitalization
Market Capitalization i$245.88M$88.06B
Enterprise Value i$279.16M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.164.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.351.03
Book Value per Share (MRQ) i$80.64$37.54

Financial Statements Comparison: C & F Financial Corp. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCFFI (2025)USB (2025)
Revenue/Sales i136.96M28.54B
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 i33.07M9.52B
Pre-Tax Income % of Revenue i24.1%33.3%
Income Tax i6.08M1.92B
Income Tax % of Revenue i4.4%6.7%
Net Income (Profit) i26.99M7.60B
Profit Margin i19.7%26.6%

Balance Sheet & Liquidity Metrics

MetricCFFI (2025)USB (2025)
Cash & Equivalents i79.13M46.89B
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 i93.34M60.76B
Long-Term Debt % of Revenue i68.1%212.9%
Total Shareholders Equity i262.35M65.65B
Retained Earnings i268.70M80.91B
Retained Earnings % of Revenue i196.2%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricCFFI (2025)USB (2025)
Operating Cash Flow i20.93M6.04B
Operating Cash Flow % of Revenue i15.3%21.2%
Capital Expenditures i-2.33MN/A
Free Cash Flow i22.16M7.97B
FCF Margin i16.2%27.9%
Debt Repayment i-20.00M-9.05B
Common Stock Repurchase i-943,000-489.00M

Short Interest & Institutional Ownership Analysis

MetricCFFIUSB
Shares Short i40,49127,002
Short Ratio i9.000.00
Short % of Float i1.33%0.00%
Shares Outstanding i3.25M1.56B
Float Shares i3.03M1.55B
% Held by Insiders i6.74%0.14%
% Held by Institutions i41.38%83.55%
% Held by Public i51.88%16.31%

Dividend Analysis & Yield Comparison: C & F Financial Corp. vs U.S. Bancorp

MetricCFFIUSB
Last 12-Month Dividend i$2.32$2.04
Last 12-Month Dividend Yield i3.10%3.82%
3-Year Avg Annual Dividend i$1.95$1.98
3-Year Avg Dividend Yield i0.73%1.19%
3-Year Total Dividends i$5.84$5.95
Ex-Dividend DateMar 13, 2026Dec 31, 2025