CF Bankshares (CFBK) Competitors

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

Is CFBK or UNTY more profitable?

Unity Bancorp has a net margin of 28.72% compared to CF Bankshares' net margin of 14.20%. Unity Bancorp's return on equity of 15.66% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
CF Bankshares	14.20%	10.58%	0.86%
Unity Bancorp	28.72%	15.66%	1.72%

Do analysts recommend CFBK or UNTY?

CF Bankshares currently has a consensus price target of $29.00, indicating a potential upside of 20.98%. Unity Bancorp has a consensus price target of $56.50, indicating a potential upside of 19.88%. Given CF Bankshares' higher possible upside, analysts clearly believe CF Bankshares is more favorable than Unity Bancorp.

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

Which has better earnings and valuation, CFBK or UNTY?

Unity Bancorp has higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than Unity Bancorp, 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
CF Bankshares	$55.53M	2.25	$13.39M	$2.78	8.62
Unity Bancorp	$164.21M	2.88	$41.45M	$4.94	9.54

Which has more volatility and risk, CFBK or UNTY?

CF Bankshares has a beta of 0.42, suggesting that its stock price is 58% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500.

Does the media refer more to CFBK or UNTY?

In the previous week, CF Bankshares had 3 more articles in the media than Unity Bancorp. MarketBeat recorded 4 mentions for CF Bankshares and 1 mentions for Unity Bancorp. Unity Bancorp's average media sentiment score of 1.27 beat CF Bankshares' score of 0.83 indicating that Unity Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
CF Bankshares	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Unity Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is CFBK or UNTY a better dividend stock?

CF Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%. Unity Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.2%. CF Bankshares pays out 11.5% of its earnings in the form of a dividend. Unity Bancorp pays out 11.3% 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 increased its dividend for 4 consecutive years and Unity Bancorp has increased its dividend for 12 consecutive years.

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

41.1% of CF Bankshares shares are held by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are held by institutional investors. 21.0% of CF Bankshares shares are held by insiders. Comparatively, 29.7% of Unity Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Unity Bancorp beats CF Bankshares on 15 of the 18 factors compared between the two stocks.