CF Bankshares (CFBK) Competitors

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

Is ACNB or CFBK more profitable?

ACNB has a net margin of 24.09% compared to CF Bankshares' net margin of 10.72%. ACNB's return on equity of 10.91% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
ACNB	24.09%	10.91%	1.31%
CF Bankshares	10.72%	8.25%	0.65%

Does the MarketBeat Community prefer ACNB or CFBK?

ACNB received 8 more outperform votes than CF Bankshares when rated by MarketBeat users. However, 63.60% of users gave CF Bankshares an outperform vote while only 61.54% of users gave ACNB an outperform vote.

Company	Underperform	Outperform
ACNB	Outperform Votes 160 61.54%	Underperform Votes 100 38.46%
CF Bankshares	Outperform Votes 152 63.60%	Underperform Votes 87 36.40%

Do institutionals and insiders believe in ACNB or CFBK?

32.3% of ACNB shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 3.5% of ACNB shares are held by company insiders. Comparatively, 19.7% of CF Bankshares shares are held 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.

Do analysts prefer ACNB or CFBK?

ACNB currently has a consensus price target of $48.40, suggesting a potential upside of 15.40%. Given ACNB's stronger consensus rating and higher possible upside, research analysts plainly believe ACNB is more favorable than CF Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACNB	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00
CF Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media favor ACNB or CFBK?

In the previous week, ACNB had 6 more articles in the media than CF Bankshares. MarketBeat recorded 9 mentions for ACNB and 3 mentions for CF Bankshares. CF Bankshares' average media sentiment score of 1.18 beat ACNB's score of 0.49 indicating that CF Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
ACNB	1 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
CF Bankshares	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, ACNB or CFBK?

ACNB has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.

Which has higher earnings and valuation, ACNB or CFBK?

ACNB has higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than ACNB, 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
ACNB	$116.36M	3.80	$31.85M	$2.90	14.46
CF Bankshares	$50.42M	2.34	$13.39M	$2.06	11.16

Is ACNB or CFBK a better dividend stock?

ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 3.2%. CF Bankshares pays an annual dividend of $0.28 per share and has a dividend yield of 1.2%. ACNB pays out 46.9% of its earnings in the form of a dividend. CF Bankshares pays out 13.6% 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.

Summary

ACNB beats CF Bankshares on 15 of the 20 factors compared between the two stocks.