CF Bankshares (CFBK) Competitors

X Financial (NYSE:XYF) and CF Bankshares (NASDAQ:CFBK) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, media sentiment, profitability, analyst recommendations, risk, institutional ownership and dividends.

Does the media refer more to XYF or CFBK?

In the previous week, CF Bankshares had 4 more articles in the media than X Financial. MarketBeat recorded 5 mentions for CF Bankshares and 1 mentions for X Financial. CF Bankshares' average media sentiment score of 0.32 beat X Financial's score of 0.00 indicating that CF Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
X Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
CF Bankshares	0 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts rate XYF or CFBK?

CF Bankshares has a consensus target price of $29.00, suggesting a potential upside of 19.59%. Given CF Bankshares' higher probable upside, analysts clearly believe CF Bankshares is more favorable than X Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
CF Bankshares	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more risk and volatility, XYF or CFBK?

X Financial has a beta of 0.12, suggesting that its stock price is 88% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.45, suggesting that its stock price is 55% less volatile than the S&P 500.

Which has better valuation & earnings, XYF or CFBK?

X Financial has higher revenue and earnings than CF Bankshares. X Financial is trading at a lower price-to-earnings ratio than CF Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$804.43M	0.74	$210.97M	$5.34	2.66
CF Bankshares	$123.56M	1.13	$13.39M	$2.78	8.72

Do insiders and institutionals hold more shares of XYF or CFBK?

1.2% of X Financial shares are owned by institutional investors. Comparatively, 41.1% of CF Bankshares shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 21.0% of CF Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Is XYF or CFBK a better dividend stock?

X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.4%. CF Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%. X Financial pays out 9.0% of its earnings in the form of a dividend. CF Bankshares pays out 11.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CF Bankshares has raised its dividend for 4 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Is XYF or CFBK more profitable?

X Financial has a net margin of 23.30% compared to CF Bankshares' net margin of 14.20%. X Financial's return on equity of 25.42% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	23.30%	25.42%	14.98%
CF Bankshares	14.20%	10.44%	0.85%

Summary

X Financial and CF Bankshares tied by winning 9 of the 18 factors compared between the two stocks.