CF Bankshares (CFBK) Competitors $24.60 +0.05 (+0.20%) Closing price 08/29/2025 04:00 PM EasternExtended Trading$24.59 -0.01 (-0.04%) As of 08/29/2025 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CFBK vs. XYF, NPB, ALRS, CBNK, TCBX, SHBI, GNTY, BCAL, HONE, and BHBShould you be buying CF Bankshares stock or one of its competitors? The main competitors of CF Bankshares include X Financial (XYF), Northpointe Bancshares (NPB), Alerus Financial (ALRS), Capital Bancorp (CBNK), Third Coast Bancshares (TCBX), Shore Bancshares (SHBI), Guaranty Bancshares (GNTY), California BanCorp (BCAL), HarborOne Bancorp (HONE), and Bar Harbor Bankshares (BHB). These companies are all part of the "banking" industry. CF Bankshares vs. Its Competitors X Financial Northpointe Bancshares Alerus Financial Capital Bancorp Third Coast Bancshares Shore Bancshares Guaranty Bancshares California BanCorp HarborOne Bancorp Bar Harbor Bankshares CF Bankshares (NASDAQ:CFBK) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, valuation, risk, earnings, profitability, media sentiment and institutional ownership. Does the media refer more to CFBK or XYF? In the previous week, CF Bankshares had 1 more articles in the media than X Financial. MarketBeat recorded 2 mentions for CF Bankshares and 1 mentions for X Financial. CF Bankshares' average media sentiment score of 1.75 beat X Financial's score of 0.18 indicating that CF Bankshares is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment CF Bankshares 1 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive X Financial 0 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Is CFBK or XYF a better dividend stock? CF Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%. X Financial pays an annual dividend of $0.48 per share and has a dividend yield of 3.2%. CF Bankshares pays out 11.5% of its earnings in the form of a dividend. X Financial pays out 9.0% 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. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio. Which has more volatility and risk, CFBK or XYF? CF Bankshares has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500. Comparatively, X Financial has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500. Do analysts recommend CFBK or XYF? CF Bankshares presently has a consensus target price of $29.00, suggesting a potential upside of 17.89%. Given CF Bankshares' stronger consensus rating and higher possible upside, equities analysts clearly believe CF Bankshares is more favorable than X Financial.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) 3.00X Financial 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Which has better earnings & valuation, CFBK or XYF? 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCF Bankshares$123.56M1.15$13.39M$2.788.85X Financial$804.43M0.79$210.97M$5.342.85 Is CFBK or XYF 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 CF Bankshares14.20% 10.44% 0.85% X Financial 23.30%25.42%14.98% Do institutionals and insiders believe in CFBK or XYF? 41.1% of CF Bankshares shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 21.0% of CF Bankshares shares are owned by company insiders. Comparatively, 31.6% of X Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term. SummaryCF Bankshares beats X Financial on 10 of the 19 factors compared between the two stocks. Get CF Bankshares News Delivered to You Automatically Sign up to receive the latest news and ratings for CFBK and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding CFBK and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart CFBK vs. The Competition Export to ExcelMetricCF BanksharesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$142M$951.21M$12.58B$9.78BDividend Yield1.30%2.99%5.42%4.04%P/E Ratio8.8516.67228.4626.60Price / Sales1.152.1831.67112.00Price / Cash10.0949.9722.2559.26Price / Book0.801.142.356.58Net Income$13.39M$54.21M$1.01B$265.95M7 Day Performance0.41%0.26%0.24%0.17%1 Month Performance4.24%6.70%3.64%3.90%1 Year Performance13.10%13.66%541.65%19.67% CF Bankshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CFBKCF Bankshares3.4747 of 5 stars$24.60+0.2%$29.00+17.9%+13.1%$142M$123.56M8.85130XYFX Financial2.3269 of 5 stars$12.83-4.8%N/A+207.7%$563.19M$804.43M2.67420NPBNorthpointe Bancshares0.2326 of 5 stars$16.23+0.2%$17.75+9.4%N/A$556.36M$390.45M0.00541News CoverageAnalyst ForecastALRSAlerus Financial4.8108 of 5 stars$21.56-0.2%$25.63+18.9%-0.8%$548.56M$336.51M12.76840News CoveragePositive NewsDividend AnnouncementCBNKCapital Bancorp4.1097 of 5 stars$32.46-0.7%$37.00+14.0%+32.9%$541.95M$244.71M12.16270News CoverageInsider TradeTCBXThird Coast Bancshares2.1678 of 5 stars$38.60+0.2%$40.00+3.6%+55.5%$533.93M$338.98M11.80330News CoveragePositive NewsSHBIShore Bancshares4.1675 of 5 stars$15.92+1.2%$20.00+25.6%+21.1%$525.65M$213.02M9.89450News CoveragePositive NewsGNTYGuaranty Bancshares3.0979 of 5 stars$46.24+1.6%$45.00-2.7%+41.4%$525.15M$123.09M16.82470News CoverageBCALCalifornia BanCorp3.0711 of 5 stars$16.00-0.2%$19.50+21.9%+12.4%$521.26M$184.56M18.39204Positive NewsHONEHarborOne Bancorp3.6428 of 5 stars$12.14+0.9%$13.00+7.1%-2.6%$519.20M$318.33M18.68640News CoveragePositive NewsBHBBar Harbor Bankshares2.1171 of 5 stars$30.82+0.3%$35.00+13.6%N/A$514.17M$147.73M11.95490News Coverage Related Companies and Tools Related Companies X Financial Competitors Northpointe Bancshares Competitors Alerus Financial Competitors Capital Bancorp Competitors Third Coast Bancshares Competitors Shore Bancshares Competitors Guaranty Bancshares Competitors California BanCorp Competitors HarborOne Bancorp Competitors Bar Harbor Bankshares Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CFBK) was last updated on 8/31/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. 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