CF Bankshares (CFBK) and Its Peers Head to Head Analysis

CF Bankshares (NASDAQ:CFBK) is one of 919 public companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare CF Bankshares to similar companies based on the strength of its analyst recommendations, risk, earnings, profitability, dividends, valuation and institutional ownership.

Profitability

This table compares CF Bankshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CF Bankshares	18.08%	11.92%	1.05%
CF Bankshares Competitors	15.65%	9.44%	0.93%

Analyst Ratings

This is a breakdown of current ratings for CF Bankshares and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CF Bankshares	0	0	2	0	3.00
CF Bankshares Competitors	7483	30220	27802	1478	2.35

CF Bankshares presently has a consensus target price of $40.00, suggesting a potential upside of 14.32%. As a group, “Banks” companies have a potential upside of 16.79%. Given CF Bankshares’ peers higher probable upside, analysts plainly believe CF Bankshares has less favorable growth aspects than its peers.

Dividends

CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.0%. CF Bankshares pays out 10.4% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend. CF Bankshares has raised its dividend for 4 consecutive years.

Risk and Volatility

CF Bankshares has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, CF Bankshares’ peers have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.

Valuation & Earnings

This table compares CF Bankshares and its peers gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
CF Bankshares	$63.01 million	$17.54 million	10.11
CF Bankshares Competitors	$37.93 billion	$2.42 billion	21.06

CF Bankshares’ peers have higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Insider and Institutional Ownership

41.1% of CF Bankshares shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 17.7% of CF Bankshares shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

CF Bankshares peers beat CF Bankshares on 8 of the 15 factors compared.

About CF Bankshares

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; retail banking services and products. In addition, the company offers consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, it provides online internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Columbus, Ohio.