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X Financial (XYF) Competitors

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$4.95 +0.01 (+0.14%)
Closing price 07/2/2026 03:59 PM Eastern
Extended Trading
$4.94 0.00 (-0.04%)
As of 07/2/2026 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.

XYF vs. CARE, VBNK, IBCP, CWBC, and VEL

Should you buy X Financial stock or one of its competitors? MarketBeat compares X Financial with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with X Financial include Carter Bankshares (CARE), VersaBank (VBNK), Independent Bank (IBCP), Community West Bancshares (CWBC), and Velocity Financial (VEL). These companies are all part of the "banking" industry.

How does X Financial compare to Carter Bankshares?

X Financial (NYSE:XYF) and Carter Bankshares (NASDAQ:CARE) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, media sentiment, dividends, profitability, valuation and earnings.

In the previous week, Carter Bankshares had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Carter Bankshares and 0 mentions for X Financial. X Financial's average media sentiment score of 0.00 equaled Carter Bankshares'average media sentiment score.

Company Overall Sentiment
X Financial Neutral
Carter Bankshares Neutral

Carter Bankshares has a consensus target price of $28.50, suggesting a potential downside of 13.98%. Given Carter Bankshares' stronger consensus rating and higher probable upside, analysts plainly believe Carter Bankshares is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Carter Bankshares
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.9%. Carter Bankshares pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. X Financial pays out 15.7% of its earnings in the form of a dividend. Carter Bankshares pays out 8.2% 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.18$209.43M$3.451.43
Carter Bankshares$254.63M2.89$31M$4.876.80

Carter Bankshares has a net margin of 33.60% compared to X Financial's net margin of 15.06%. X Financial's return on equity of 14.38% beat Carter Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
Carter Bankshares 33.60%7.51%0.68%

X Financial has a beta of 0.41, suggesting that its share price is 59% less volatile than the broader market. Comparatively, Carter Bankshares has a beta of 0.51, suggesting that its share price is 49% less volatile than the broader market.

1.2% of X Financial shares are owned by institutional investors. Comparatively, 41.5% of Carter Bankshares shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 2.4% of Carter Bankshares 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.

Summary

Carter Bankshares beats X Financial on 11 of the 17 factors compared between the two stocks.

How does X Financial compare to VersaBank?

X Financial (NYSE:XYF) and VersaBank (NASDAQ:VBNK) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, dividends, institutional ownership, analyst recommendations, profitability, earnings and media sentiment.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.18$209.43M$3.451.43
VersaBank$217.14M3.25$20.32M$0.6931.74

X Financial has a net margin of 15.06% compared to VersaBank's net margin of 9.34%. X Financial's return on equity of 14.38% beat VersaBank's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
VersaBank 9.34%8.32%0.75%

VersaBank has a consensus target price of $25.00, suggesting a potential upside of 14.16%. Given VersaBank's stronger consensus rating and higher probable upside, analysts clearly believe VersaBank is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
VersaBank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

1.2% of X Financial shares are held by institutional investors. Comparatively, 56.9% of VersaBank shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 5.3% of VersaBank shares are held by company 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.

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.9%. VersaBank pays an annual dividend of $0.07 per share and has a dividend yield of 0.3%. X Financial pays out 15.7% of its earnings in the form of a dividend. VersaBank pays out 10.1% 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.

X Financial has a beta of 0.41, suggesting that its share price is 59% less volatile than the broader market. Comparatively, VersaBank has a beta of 1.04, suggesting that its share price is 4% more volatile than the broader market.

In the previous week, VersaBank had 5 more articles in the media than X Financial. MarketBeat recorded 5 mentions for VersaBank and 0 mentions for X Financial. VersaBank's average media sentiment score of 0.32 beat X Financial's score of 0.00 indicating that VersaBank is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
VersaBank Neutral

Summary

VersaBank beats X Financial on 10 of the 18 factors compared between the two stocks.

How does X Financial compare to Independent Bank?

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

In the previous week, Independent Bank had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Independent Bank and 0 mentions for X Financial. Independent Bank's average media sentiment score of 0.50 beat X Financial's score of 0.00 indicating that Independent Bank is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Independent Bank Positive

1.2% of X Financial shares are held by institutional investors. Comparatively, 79.4% of Independent Bank shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 5.9% of Independent Bank shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Independent Bank has a consensus price target of $37.00, suggesting a potential upside of 2.66%. Given Independent Bank's stronger consensus rating and higher possible upside, analysts clearly believe Independent Bank is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Independent Bank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

Independent Bank has a net margin of 22.02% compared to X Financial's net margin of 15.06%. X Financial's return on equity of 14.38% beat Independent Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
Independent Bank 22.02%14.15%1.27%

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.9%. Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.1%. X Financial pays out 15.7% of its earnings in the form of a dividend. Independent Bank pays out 33.4% 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 raised its dividend for 11 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

X Financial has a beta of 0.41, suggesting that its share price is 59% less volatile than the broader market. Comparatively, Independent Bank has a beta of 0.71, suggesting that its share price is 29% less volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.18$209.43M$3.451.43
Independent Bank$315.38M2.36$68.54M$3.3510.76

Summary

Independent Bank beats X Financial on 11 of the 19 factors compared between the two stocks.

How does X Financial compare to Community West Bancshares?

Community West Bancshares (NASDAQ:CWBC) and X Financial (NYSE:XYF) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, risk, media sentiment, analyst recommendations, earnings, valuation, dividends and institutional ownership.

33.8% of Community West Bancshares shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 9.0% of Community West Bancshares shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Community West Bancshares presently has a consensus target price of $28.17, indicating a potential upside of 4.44%. Given Community West Bancshares' stronger consensus rating and higher probable upside, analysts clearly believe Community West Bancshares is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community West Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, Community West Bancshares had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Community West Bancshares and 0 mentions for X Financial. Community West Bancshares' average media sentiment score of 0.00 equaled X Financial'saverage media sentiment score.

Company Overall Sentiment
Community West Bancshares Neutral
X Financial Neutral

Community West Bancshares has a beta of 0.8, meaning that its stock price is 20% less volatile than the broader market. Comparatively, X Financial has a beta of 0.41, meaning that its stock price is 59% less volatile than the broader market.

Community West Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.8%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.9%. Community West Bancshares pays out 22.2% of its earnings in the form of a dividend. X Financial pays out 15.7% 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. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Community West Bancshares has a net margin of 20.77% compared to X Financial's net margin of 15.06%. X Financial's return on equity of 14.38% beat Community West Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Community West Bancshares20.77% 10.44% 1.15%
X Financial 15.06%14.38%7.93%

X Financial has higher revenue and earnings than Community West Bancshares. X Financial is trading at a lower price-to-earnings ratio than Community West Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Community West Bancshares$196.20M3.73$38.17M$2.1612.49
X Financial$1.09B0.18$209.43M$3.451.43

Summary

Community West Bancshares beats X Financial on 9 of the 17 factors compared between the two stocks.

How does X Financial compare to Velocity Financial?

X Financial (NYSE:XYF) and Velocity Financial (NYSE:VEL) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their media sentiment, analyst recommendations, institutional ownership, dividends, earnings, risk, valuation and profitability.

1.2% of X Financial shares are owned by institutional investors. Comparatively, 97.5% of Velocity Financial shares are owned by institutional investors. 31.6% of X Financial shares are owned by insiders. Comparatively, 4.7% of Velocity Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

In the previous week, Velocity Financial had 2 more articles in the media than X Financial. MarketBeat recorded 2 mentions for Velocity Financial and 0 mentions for X Financial. X Financial's average media sentiment score of 0.00 beat Velocity Financial's score of -1.00 indicating that X Financial is being referred to more favorably in the media.

Company Overall Sentiment
X Financial Neutral
Velocity Financial Negative

Velocity Financial has a net margin of 56.47% compared to X Financial's net margin of 15.06%. Velocity Financial's return on equity of 18.01% beat X Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
Velocity Financial 56.47%18.01%1.66%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.18$209.43M$3.451.43
Velocity Financial$326.57M2.23$105.05M$2.806.63

Velocity Financial has a consensus price target of $22.75, suggesting a potential upside of 22.53%. Given Velocity Financial's stronger consensus rating and higher probable upside, analysts plainly believe Velocity Financial is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Velocity Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

X Financial has a beta of 0.41, suggesting that its stock price is 59% less volatile than the broader market. Comparatively, Velocity Financial has a beta of 0.7, suggesting that its stock price is 30% less volatile than the broader market.

Summary

Velocity Financial beats X Financial on 10 of the 16 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 XYF 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 NYSE 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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XYF vs. The Competition

MetricX FinancialFIN IndustryFinance SectorNYSE Exchange
Market Cap$193.09M$7.16B$14.08B$23.54B
Dividend Yield11.02%4.97%5.67%3.98%
P/E Ratio1.4317.3820.6131.55
Price / Sales0.1810.53140.7322.15
Price / Cash0.8950.1419.4525.36
Price / Book0.173.252.274.81
Net Income$209.43M$303.39M$1.14B$1.07B
7 Day Performance0.06%0.25%0.69%0.56%
1 Month Performance0.24%-3.04%2.10%3.19%
1 Year Performance-73.98%-2.50%12.10%18.29%

X Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
XYF
X Financial
2.2224 of 5 stars
$4.95
+0.1%
N/A-74.0%$193.09M$1.09B1.43420
CARE
Carter Bankshares
2.8216 of 5 stars
$34.02
+2.1%
$28.50
-16.2%
+81.6%$755.92M$254.63M6.99730
VBNK
VersaBank
4.2709 of 5 stars
$23.21
+13.4%
$25.00
+7.7%
+88.9%$747.24M$141.48M33.64100
IBCP
Independent Bank
3.7922 of 5 stars
$36.06
+0.1%
$37.00
+2.6%
+4.2%$743.24M$315.38M10.76920
CWBC
Community West Bancshares
4.0395 of 5 stars
$26.79
+0.1%
$28.17
+5.1%
+27.1%$726.81M$196.20M12.40253

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This page (NYSE:XYF) was last updated on 7/4/2026 by MarketBeat.com Staff.
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