C&F Financial (CFFI) and Randolph Bancorp (RNDB) Head to Head Comparison

C&F Financial (NASDAQ:CFFI) and Randolph Bancorp (NASDAQ:RNDB) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.

Volatility and Risk

C&F Financial has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500. Comparatively, Randolph Bancorp has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500.

Profitability

This table compares C&F Financial and Randolph Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
C&F Financial 15.23% 12.32% 1.19%
Randolph Bancorp -11.21% -375.23% -53.70%

Earnings & Valuation

This table compares C&F Financial and Randolph Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
C&F Financial $118.31 million 1.44 $18.02 million N/A N/A
Randolph Bancorp $29.90 million 2.94 -$2.12 million N/A N/A

C&F Financial has higher revenue and earnings than Randolph Bancorp.

Analyst Ratings

This is a breakdown of recent recommendations for C&F Financial and Randolph Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
C&F Financial 0 0 0 0 N/A
Randolph Bancorp 1 0 0 0 1.00

Dividends

C&F Financial pays an annual dividend of $1.48 per share and has a dividend yield of 3.0%. Randolph Bancorp does not pay a dividend. C&F Financial has increased its dividend for 7 consecutive years.

Insider and Institutional Ownership

35.4% of C&F Financial shares are owned by institutional investors. Comparatively, 34.4% of Randolph Bancorp shares are owned by institutional investors. 6.2% of C&F Financial shares are owned by company insiders. Comparatively, 7.7% of Randolph Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

C&F Financial beats Randolph Bancorp on 9 of the 11 factors compared between the two stocks.

About C&F Financial

C&F Financial Corporation operates as a holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking segment offers various banking services, such as checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 25 Virginia branches located 1 each in Cartersville, Chester, Cumberland, Hampton, Mechanicsville, Newport News, Norge, Powhatan, Providence Forge, Quinton, Saluda, Sandston, West Point, and Yorktown; 2 in Williamsburg; 4 in Richmond; and 4 in Midlothian. Its Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. This segment offers mortgage loan origination services through 11 offices in Virginia, 2 offices in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia; and Nashville, Tennessee. Its Other segment offers brokerage and wealth management services; and insurance products. The company also provides title insurance services. C&F Financial Corporation was founded in 1927 and is based in West Point, Virginia.

About Randolph Bancorp

Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. The company accepts checking, NOW, money market, and savings accounts, as well as certificate of deposits and IRAs. It also offers one- to four-family residential mortgage, commercial real estate, commercial and industrial, construction, and consumer loans; home equity loans and lines of credit; and investment securities. In addition, the company provides remote deposit capture products for business customers to meet their online banking needs. As of February 27, 2018, it operated six retail branch locations and loan operations centers in Andover and North Attleboro, Massachusetts; and five loan production offices in eastern Massachusetts. The company was founded in 1851 and is based in Stoughton, Massachusetts. Randolph Bancorp, Inc. is a subsidiary of Randolph Bancorp (MHC).

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