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CF Bankshares (CFBK) Competitors

CF Bankshares logo
$27.35 -0.42 (-1.51%)
Closing price 05/5/2026 04:00 PM Eastern
Extended Trading
$27.41 +0.06 (+0.22%)
As of 05/5/2026 04:10 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 Massive. Learn more.

CFBK vs. ORRF, SMBK, SPFI, IBCP, and BETR

Should you be buying CF Bankshares stock or one of its competitors? The main competitors of CF Bankshares include Orrstown Financial Services (ORRF), SmartFinancial (SMBK), South Plains Financial (SPFI), Independent Bank (IBCP), and Better Home & Finance (BETR). These companies are all part of the "banking" industry.

How does CF Bankshares compare to Orrstown Financial Services?

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

Orrstown Financial Services has a net margin of 23.58% compared to CF Bankshares' net margin of 13.82%. Orrstown Financial Services' return on equity of 14.96% beat CF Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
CF Bankshares13.82% 9.76% 0.82%
Orrstown Financial Services 23.58%14.96%1.56%

CF Bankshares has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Orrstown Financial Services has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500.

CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.3%. Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. CF Bankshares pays out 13.4% of its earnings in the form of a dividend. Orrstown Financial Services pays out 27.5% 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 and Orrstown Financial Services has raised its dividend for 10 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

CF Bankshares currently has a consensus price target of $34.00, indicating a potential upside of 24.31%. Orrstown Financial Services has a consensus price target of $42.00, indicating a potential upside of 13.82%. Given CF Bankshares' higher probable upside, equities analysts plainly believe CF Bankshares is more favorable than Orrstown Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

In the previous week, CF Bankshares had 1 more articles in the media than Orrstown Financial Services. MarketBeat recorded 5 mentions for CF Bankshares and 4 mentions for Orrstown Financial Services. Orrstown Financial Services' average media sentiment score of 0.21 beat CF Bankshares' score of -0.33 indicating that Orrstown Financial Services 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

41.1% of CF Bankshares shares are owned by institutional investors. Comparatively, 44.3% of Orrstown Financial Services shares are owned by institutional investors. 21.0% of CF Bankshares shares are owned by company insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Orrstown Financial Services has higher revenue and earnings than CF Bankshares. Orrstown Financial Services 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 Ratio
CF Bankshares$125.92M1.39$17.54M$2.6910.17
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44

Summary

Orrstown Financial Services beats CF Bankshares on 14 of the 19 factors compared between the two stocks.

How does CF Bankshares compare to SmartFinancial?

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

CF Bankshares has a net margin of 13.82% compared to SmartFinancial's net margin of 12.67%. CF Bankshares' return on equity of 9.76% beat SmartFinancial's return on equity.

Company Net Margins Return on Equity Return on Assets
CF Bankshares13.82% 9.76% 0.82%
SmartFinancial 12.67%7.33%0.71%

CF Bankshares has a beta of 0.43, suggesting that its share price is 57% less volatile than the S&P 500. Comparatively, SmartFinancial has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.

CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.3%. SmartFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 0.9%. CF Bankshares pays out 13.4% of its earnings in the form of a dividend. SmartFinancial 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 and SmartFinancial has raised its dividend for 3 consecutive years. CF Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

CF Bankshares currently has a consensus price target of $34.00, indicating a potential upside of 24.31%. SmartFinancial has a consensus price target of $45.88, indicating a potential upside of 9.23%. Given CF Bankshares' stronger consensus rating and higher probable upside, equities research analysts clearly believe CF Bankshares is more favorable than SmartFinancial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
SmartFinancial
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

In the previous week, SmartFinancial had 2 more articles in the media than CF Bankshares. MarketBeat recorded 7 mentions for SmartFinancial and 5 mentions for CF Bankshares. SmartFinancial's average media sentiment score of 0.99 beat CF Bankshares' score of -0.33 indicating that SmartFinancial 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
SmartFinancial
3 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

41.1% of CF Bankshares shares are held by institutional investors. Comparatively, 58.8% of SmartFinancial shares are held by institutional investors. 21.0% of CF Bankshares shares are held by company insiders. Comparatively, 6.9% of SmartFinancial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
CF Bankshares$125.92M1.39$17.54M$2.6910.17
SmartFinancial$203.48M3.53$36.14M$3.1213.46

Summary

SmartFinancial beats CF Bankshares on 11 of the 20 factors compared between the two stocks.

How does CF Bankshares compare to South Plains Financial?

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

In the previous week, CF Bankshares and CF Bankshares both had 5 articles in the media. South Plains Financial's average media sentiment score of 0.04 beat CF Bankshares' score of -0.33 indicating that South Plains Financial 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
South Plains Financial
0 Very Positive mention(s)
3 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
CF Bankshares$125.92M1.39$17.54M$2.6910.17
South Plains Financial$296.89M2.23$58.47M$3.5711.35

CF Bankshares currently has a consensus price target of $34.00, indicating a potential upside of 24.31%. South Plains Financial has a consensus price target of $46.25, indicating a potential upside of 14.17%. Given CF Bankshares' higher probable upside, equities research analysts clearly believe CF Bankshares is more favorable than South Plains Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
South Plains Financial
0 Sell rating(s)
1 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.83

CF Bankshares has a beta of 0.43, suggesting that its share price is 57% less volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500.

41.1% of CF Bankshares shares are held by institutional investors. Comparatively, 55.0% of South Plains Financial shares are held by institutional investors. 21.0% of CF Bankshares shares are held by company insiders. Comparatively, 24.3% of South Plains Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.3%. South Plains Financial pays an annual dividend of $0.68 per share and has a dividend yield of 1.7%. CF Bankshares pays out 13.4% of its earnings in the form of a dividend. South Plains Financial pays out 19.0% 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 raised its dividend for 4 consecutive years and South Plains Financial has raised its dividend for 5 consecutive years. South Plains Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

South Plains Financial has a net margin of 20.22% compared to CF Bankshares' net margin of 13.82%. South Plains Financial's return on equity of 12.78% beat CF Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
CF Bankshares13.82% 9.76% 0.82%
South Plains Financial 20.22%12.78%1.37%

Summary

South Plains Financial beats CF Bankshares on 16 of the 18 factors compared between the two stocks.

How does CF Bankshares compare to Independent Bank?

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

In the previous week, CF Bankshares had 3 more articles in the media than Independent Bank. MarketBeat recorded 5 mentions for CF Bankshares and 2 mentions for Independent Bank. Independent Bank's average media sentiment score of 0.92 beat CF Bankshares' score of -0.33 indicating that Independent Bank is being referred to more favorably in the media.

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

Independent Bank has higher revenue and earnings than CF Bankshares. Independent Bank 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 Ratio
Independent Bank$315.38M2.19$68.54M$3.3510.01
CF Bankshares$125.92M1.39$17.54M$2.6910.17

Independent Bank presently has a consensus price target of $37.00, indicating a potential upside of 10.38%. CF Bankshares has a consensus price target of $34.00, indicating a potential upside of 24.31%. Given CF Bankshares' stronger consensus rating and higher possible upside, analysts plainly believe CF Bankshares is more favorable than Independent Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Independent Bank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

Independent Bank has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.43, meaning that its share price is 57% less volatile than the S&P 500.

79.4% of Independent Bank shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 5.9% of Independent Bank shares are held by insiders. Comparatively, 21.0% of CF Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.3%. CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.3%. Independent Bank pays out 33.4% of its earnings in the form of a dividend. CF Bankshares pays out 13.4% 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. Independent Bank has increased its dividend for 11 consecutive years and CF Bankshares has increased its dividend for 4 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Independent Bank has a net margin of 22.02% compared to CF Bankshares' net margin of 13.82%. Independent Bank's return on equity of 14.32% beat CF Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Independent Bank22.02% 14.32% 1.28%
CF Bankshares 13.82%9.76%0.82%

Summary

Independent Bank beats CF Bankshares on 12 of the 19 factors compared between the two stocks.

How does CF Bankshares compare to Better Home & Finance?

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

Better Home & Finance currently has a consensus target price of $46.50, suggesting a potential upside of 9.59%. CF Bankshares has a consensus target price of $34.00, suggesting a potential upside of 24.31%. Given CF Bankshares' stronger consensus rating and higher possible upside, analysts plainly believe CF Bankshares is more favorable than Better Home & Finance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Better Home & Finance
1 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.50
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

In the previous week, Better Home & Finance had 2 more articles in the media than CF Bankshares. MarketBeat recorded 7 mentions for Better Home & Finance and 5 mentions for CF Bankshares. Better Home & Finance's average media sentiment score of 0.68 beat CF Bankshares' score of -0.33 indicating that Better Home & Finance is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Better Home & Finance
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
CF Bankshares
1 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Better Home & Finance has a beta of 1.83, meaning that its stock price is 83% more volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.

CF Bankshares has lower revenue, but higher earnings than Better Home & Finance. Better Home & Finance 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 Ratio
Better Home & Finance$164.87M4.23-$165.87M-$10.81N/A
CF Bankshares$125.92M1.39$17.54M$2.6910.17

CF Bankshares has a net margin of 13.82% compared to Better Home & Finance's net margin of -100.61%. CF Bankshares' return on equity of 9.76% beat Better Home & Finance's return on equity.

Company Net Margins Return on Equity Return on Assets
Better Home & Finance-100.61% -1,075.07% -11.22%
CF Bankshares 13.82%9.76%0.82%

20.9% of Better Home & Finance shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 23.6% of Better Home & Finance 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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

CF Bankshares beats Better Home & Finance on 10 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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CFBK vs. The Competition

MetricCF BanksharesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$178.36M$1.09B$13.34B$11.76B
Dividend Yield1.30%2.73%5.80%5.26%
P/E Ratio10.1716.8923.2727.07
Price / Sales1.392.29181.7473.43
Price / Cash11.0823.5620.2453.90
Price / Book0.941.173.436.69
Net Income$17.54M$75.56M$1.11B$332.64M
7 Day Performance-6.72%1.08%0.84%3.07%
1 Month Performance-4.24%3.56%4.12%7.80%
1 Year Performance15.89%25.10%13.82%41.57%

CF Bankshares Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CFBK
CF Bankshares
4.88 of 5 stars
$27.35
-1.5%
$34.00
+24.3%
+14.5%$178.36M$125.92M10.17130
ORRF
Orrstown Financial Services
3.8773 of 5 stars
$37.40
+0.6%
$42.00
+12.3%
+22.3%$733.79M$253.79M8.56430
SMBK
SmartFinancial
4.5065 of 5 stars
$42.85
+1.6%
$45.88
+7.1%
+37.2%$732.70M$203.48M20.02550
SPFI
South Plains Financial
4.291 of 5 stars
$43.85
+1.4%
$46.75
+6.6%
+19.7%$716.51M$296.89M12.75680
IBCP
Independent Bank
4.2109 of 5 stars
$34.18
+2.0%
$37.00
+8.3%
+7.0%$703.77M$315.38M10.20920

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This page (NASDAQ:CFBK) was last updated on 5/6/2026 by MarketBeat.com Staff.
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