C&F Financial (CFFI) vs Waterstone Financial (WSBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
C&F Financial (CFFI) has outperformed Waterstone Financial (WSBF) over the past year, gaining 56.5% versus a gain of 30.2%. Over five years, CFFI leads with a +99.2% price change compared with -4.1% for WSBF. Waterstone Financial is the larger company by market cap ($352.0 million vs $330.1 million), about 1.1 times the size.
On valuation, C&F Financial trades at a lower forward P/E (10.2x vs 19.4x for Waterstone Financial). Waterstone Financial offers the higher dividend yield (3.27% vs 1.85%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFFI | WSBF |
|---|---|---|
| Share price | $101.51 | $19.58 |
| Market cap | $330.08M | $351.99M |
| 1-day change | -0.49% | +0.62% |
| YTD return | +40.53% | +18.31% |
| 1-year return | +56.51% | +30.19% |
| 5-year return | +99.24% | -4.07% |
| P/E ratio (TTM) | 11.33 | 11.32 |
| Forward P/E | 10.16 | 19.39 |
| EPS (TTM) | $8.96 | $1.73 |
| Dividend yield | 1.85% | 3.27% |
| Annual dividend | $1.88 | $0.64 |
| 52-week high | $103.52 | $21.66 |
| 52-week low | $65.43 | $14.52 |
| Distance from 52-week high | -1.94% | -9.60% |
| Analyst consensus | strong_buy | — |
| Avg. price target upside | +13.29% | — |
| Average volume | 49.41K | 75.76K |
| Shares outstanding | 3.25M | 17.98M |
| Employees | 575 | 593 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CFFI has outperformed WSBF by 26.3 percentage points over the past year.
- Waterstone Financial offers a meaningfully higher dividend yield (3.27% vs 1.85%).
About C&F Financial
CFFI stock →C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance.
Financial Services · Banks - Regional · 575 employees
About Waterstone Financial
WSBF stock →Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States.
Financial Services · Banks - Regional · 593 employees
CFFI vs WSBF FAQ
Which is bigger, C&F Financial or Waterstone Financial?
Waterstone Financial (WSBF) is larger, with a market capitalization of $351.99M compared with $330.08M for C&F Financial (CFFI).
Which stock has performed better over the past year, CFFI or WSBF?
CFFI returned +56.51% over the past 12 months, compared with +30.19% for WSBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFFI or WSBF?
WSBF has the lower trailing P/E at 11.3, versus 11.3 for CFFI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, C&F Financial or Waterstone Financial?
Waterstone Financial has the higher yield at 3.27%, compared with 1.85% for C&F Financial.
Are C&F Financial and Waterstone Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.