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CFFI vs SPY

Comparison between C & F Financial Corp (CFFI, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed CFFI, delivering a return of +13.4% compared to +11.8%

CFFI vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
CFFI
$254M
Winner
SPY
$784B
Expense Ratio
CFFI
N/A
SPY
0.09%
Max Drawdown
CFFI
75.51%
Winner
SPY
56.47%
Sharpe Ratio
CFFI
0.65
Winner
SPY
1.56
5Y Beta
Winner
CFFI
0.85
SPY
1.00
Industry
CFFI
Banks - Regional
SPY
N/A
P/E Ratio
Winner
CFFI
8.99
SPY
28.29
Forward P/E
Winner
CFFI
5.69
SPY
21.75
PEG Ratio
CFFI
0.30
SPY
N/A
Dividend Yield
CFFI
2.41%
SPY
N/A
5Y Dividends CAGR
Winner
CFFI
8.83%
SPY
5.43%
5Y EPS CAGR
CFFI
4.49%
Winner
SPY
25.98%
Debt to Equity
Winner
CFFI
7.53%
SPY
30.79%
Free Cash Flow Yield
CFFI
4.45%
SPY
N/A
P/S Ratio
Winner
CFFI
1.87
SPY
3.79
P/B Ratio
Winner
CFFI
0.93
SPY
5.67

CFFI vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
CFFI
+6.97%
SPY
+0.48%
3M
CFFI
+9.15%
Winner
SPY
+11.67%
6M
CFFI
+6.47%
Winner
SPY
+9.42%
1Y
CFFI
+22.01%
Winner
SPY
+24.27%
5Y(CAGR)
CFFI
+11.83%
Winner
SPY
+13.36%
10Y(CAGR)
CFFI
+9.36%
Winner
SPY
+15.42%
Max(CAGR)
Winner
CFFI
+8.85%
SPY
+8.49%

CFFI vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCFFISPY
2026+9.93%+8.88%
2025+5.93%+18.00%
2024+6.14%+25.59%
2023+18.14%+26.72%
2022+16.71%-18.64%
2021+42.70%+30.52%
2020-28.42%+17.28%
2019+3.69%+31.09%
2018-4.55%-5.24%
2017+23.46%+20.78%
2016+32.43%+13.59%
2015+1.45%+1.31%
2014-7.69%+14.56%
2013+19.34%+29.00%
2012+49.39%+14.17%
2011+22.57%+0.85%
2010+16.54%+13.14%
2009+22.54%+22.67%
2008-47.67%-36.25%
2007-22.98%+5.32%
2006+6.44%+13.85%
2005-3.42%+5.32%
2004+0.73%+10.75%
2003+61.01%+24.18%
2002+32.76%-22.42%
2001+31.37%-10.13%
2000-16.59%-8.84%
1999-11.59%+8.61%

CFFI vs SPY Drawdown Comparison

The maximum drawdown for CFFI was -72.95%, occurring on Mar 9, 2009. Recovery took 1320 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current CFFI drawdown is -7.97%. The current SPY drawdown is -2.35%.

RankCFFISPY
#1-72.95%
Mar 7, 2007 - May 31, 2012		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-54.43%
Jul 26, 2018 - Oct 17, 2022		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-50.65%
Dec 15, 2023 - Nov 6, 2024		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-47.16%
Jul 23, 2013 - Sep 20, 2017		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-41.33%
Nov 1, 1999 - Oct 1, 2001		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-34.98%
Feb 10, 2025 - Apr 11, 2025		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-28.43%
Oct 1, 2003 - Feb 21, 2007		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-27.58%
Dec 18, 2017 - Jun 22, 2018		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-22.21%
Jul 2, 2012 - May 6, 2013		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-20.60%
Apr 10, 2002 - Dec 12, 2002		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-20.24%
Feb 6, 2023 - Nov 24, 2023		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-15.50%
Jun 18, 2003 - Sep 15, 2003		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-14.76%
Dec 12, 2024 - Feb 5, 2025		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-13.63%
Oct 18, 2022 - Dec 8, 2022		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-11.05%
Oct 2, 2001 - Jan 17, 2002		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between CFFI and SPY is 0.92 which considered as a very strong positive correlation - the stocks move almost identically together.

0.92
-101

Dividend Comparison (1999 - 2026)

CFFI vs SPY dividend yield comparison.

YearCFFISPY
20260.62%0.24%
20252.53%1.07%
20242.47%1.21%
20232.58%1.40%
20222.81%1.65%
20213.09%1.20%
20204.10%1.52%
20192.69%1.75%
20182.65%2.04%
20172.29%1.80%
20162.59%2.03%
20153.13%2.06%
20142.99%1.87%
20132.54%1.81%
20122.77%2.18%
20113.80%2.05%
20104.48%1.80%
20095.58%1.95%
20087.87%3.02%
20074.10%1.85%
20062.92%1.73%
20052.67%1.73%
20042.23%1.82%
20031.81%1.47%
20022.52%1.70%
20012.90%1.25%
20003.66%1.15%
19990.76%0.24%

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