CF Bankshares (CFBK) Competitors

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

Is SHBI or CFBK more profitable?

Shore Bancshares has a net margin of 15.98% compared to CF Bankshares' net margin of 14.20%. Shore Bancshares' return on equity of 10.98% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Shore Bancshares	15.98%	10.98%	0.99%
CF Bankshares	14.20%	10.44%	0.85%

Does the media prefer SHBI or CFBK?

In the previous week, Shore Bancshares had 1 more articles in the media than CF Bankshares. MarketBeat recorded 4 mentions for Shore Bancshares and 3 mentions for CF Bankshares. Shore Bancshares' average media sentiment score of 1.64 beat CF Bankshares' score of 0.95 indicating that Shore Bancshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Shore Bancshares	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
CF Bankshares	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has better valuation and earnings, SHBI or CFBK?

Shore Bancshares has higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than Shore Bancshares, 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
Shore Bancshares	$326.48M	1.73	$43.89M	$1.61	10.47
CF Bankshares	$123.56M	1.15	$13.39M	$2.78	8.87

Do analysts recommend SHBI or CFBK?

Shore Bancshares currently has a consensus price target of $20.00, suggesting a potential upside of 18.62%. CF Bankshares has a consensus price target of $29.00, suggesting a potential upside of 17.60%. Given Shore Bancshares' higher probable upside, equities research analysts clearly believe Shore Bancshares is more favorable than CF Bankshares.

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

Which has more risk & volatility, SHBI or CFBK?

Shore Bancshares has a beta of 1.05, indicating that its stock price is 5% more volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500.

Is SHBI or CFBK a better dividend stock?

Shore Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 2.8%. CF Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%. Shore Bancshares pays out 29.8% 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.

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

59.8% of Shore Bancshares shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 8.6% of Shore Bancshares shares are held by company insiders. Comparatively, 21.0% of CF Bankshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Shore Bancshares beats CF Bankshares on 14 of the 18 factors compared between the two stocks.