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X Financial (XYF) Competitors

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$4.78 0.00 (0.00%)
Closing price 07/24/2026 03:58 PM Eastern
Extended Trading
$4.78 +0.00 (+0.10%)
As of 07/24/2026 07:34 PM Eastern
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XYF vs. CARE, CWBC, PFIS, BCAL, 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), Community West Bancshares (CWBC), Peoples Financial Services (PFIS), California BanCorp (BCAL), 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 better stock? We will compare the two businesses based on the strength of their earnings, dividends, analyst recommendations, valuation, profitability, risk, institutional ownership and media sentiment.

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 11.3%. 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 6.9% 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 stock price is 59% less volatile than the broader market. Comparatively, Carter Bankshares has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market.

1.2% of X Financial shares are held by institutional investors. Comparatively, 41.5% of Carter Bankshares shares are held by institutional investors. 31.6% of X Financial shares are held by company insiders. Comparatively, 2.4% of Carter Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Carter Bankshares has a consensus target price of $28.50, suggesting a potential downside of 16.20%. 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

Carter Bankshares has a net margin of 36.79% 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 36.79%7.85%0.72%

In the previous week, Carter Bankshares had 7 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Carter Bankshares and 0 mentions for X Financial. Carter Bankshares' average media sentiment score of 0.18 beat X Financial's score of 0.00 indicating that Carter Bankshares is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Carter Bankshares Neutral

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$1.09B0.17$209.43M$3.451.39
Carter Bankshares$254.63M2.97$31M$5.815.85

Summary

Carter Bankshares beats X Financial on 12 of the 18 factors compared between the two stocks.

How does X Financial compare to Community West Bancshares?

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

In the previous week, Community West Bancshares had 7 more articles in the media than X Financial. MarketBeat recorded 7 mentions for Community West Bancshares and 0 mentions for X Financial. Community West Bancshares' average media sentiment score of 0.80 beat X Financial's score of 0.00 indicating that Community West Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Community West Bancshares Positive

Community West Bancshares has a net margin of 16.86% 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
X Financial15.06% 14.38% 7.93%
Community West Bancshares 16.86%11.35%1.27%

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

Community West Bancshares has a consensus price target of $28.17, suggesting a potential upside of 12.67%. Given Community West Bancshares' stronger consensus rating and higher possible 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
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Community West Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

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
X Financial$1.09B0.17$209.43M$3.451.39
Community West Bancshares$196.20M3.46$38.17M$1.8513.51

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

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 11.3%. Community West Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.9%. X Financial pays out 15.7% of its earnings in the form of a dividend. Community West Bancshares pays out 25.9% 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.

Summary

Community West Bancshares beats X Financial on 10 of the 18 factors compared between the two stocks.

How does X Financial compare to Peoples Financial Services?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
X Financial$1.09B0.17$209.43M$3.451.39
Peoples Financial Services$283.67M2.45$59.19M$9.037.69

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 11.3%. Peoples Financial Services pays an annual dividend of $2.50 per share and has a dividend yield of 3.6%. X Financial pays out 15.7% of its earnings in the form of a dividend. Peoples Financial Services pays out 27.7% 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. Peoples Financial Services has raised its dividend for 8 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, indicating that its stock price is 59% less volatile than the broader market. Comparatively, Peoples Financial Services has a beta of 0.76, indicating that its stock price is 24% less volatile than the broader market.

1.2% of X Financial shares are owned by institutional investors. Comparatively, 31.7% of Peoples Financial Services shares are owned by institutional investors. 31.6% of X Financial shares are owned by company insiders. Comparatively, 8.2% of Peoples Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

In the previous week, Peoples Financial Services had 4 more articles in the media than X Financial. MarketBeat recorded 4 mentions for Peoples Financial Services and 0 mentions for X Financial. Peoples Financial Services' average media sentiment score of 1.24 beat X Financial's score of 0.00 indicating that Peoples Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Peoples Financial Services Positive

Peoples Financial Services has a net margin of 21.29% compared to X Financial's net margin of 15.06%. Peoples Financial Services' return on equity of 18.06% beat X Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
Peoples Financial Services 21.29%18.06%1.76%

Peoples Financial Services has a consensus target price of $58.50, suggesting a potential downside of 15.75%. Given Peoples Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe Peoples Financial Services 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
Peoples Financial Services
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

Summary

Peoples Financial Services beats X Financial on 13 of the 19 factors compared between the two stocks.

How does X Financial compare to California BanCorp?

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

California BanCorp has a beta of 0.93, suggesting that its share price is 7% less volatile than the broader market. Comparatively, X Financial has a beta of 0.41, suggesting that its share price is 59% less volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
California BanCorp$237.07M2.85$63.06M$1.8311.49
X Financial$1.09B0.17$209.43M$3.451.39

California BanCorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 11.3%. California BanCorp pays out 21.9% 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.

California BanCorp has a net margin of 25.68% compared to X Financial's net margin of 15.06%. X Financial's return on equity of 14.38% beat California BanCorp's return on equity.

Company Net Margins Return on Equity Return on Assets
California BanCorp25.68% 10.59% 1.49%
X Financial 15.06%14.38%7.93%

55.4% of California BanCorp shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 8.1% of California BanCorp shares are held by insiders. Comparatively, 31.6% of X Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

California BanCorp currently has a consensus price target of $20.67, indicating a potential downside of 1.68%. Given California BanCorp's stronger consensus rating and higher possible upside, equities research analysts clearly believe California BanCorp is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California BanCorp
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
2 Strong Buy rating(s)
3.40
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, California BanCorp had 3 more articles in the media than X Financial. MarketBeat recorded 3 mentions for California BanCorp and 0 mentions for X Financial. California BanCorp's average media sentiment score of 0.62 beat X Financial's score of 0.00 indicating that California BanCorp is being referred to more favorably in the media.

Company Overall Sentiment
California BanCorp Positive
X Financial Neutral

Summary

California BanCorp beats X Financial on 11 of the 19 factors compared between the two stocks.

How does X Financial compare to Velocity Financial?

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

Velocity Financial presently has a consensus target price of $22.75, indicating a potential upside of 30.61%. Given Velocity Financial's stronger consensus rating and higher possible upside, equities research analysts clearly believe Velocity Financial is more favorable than X Financial.

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

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
Velocity Financial$185.78M3.68$105.05M$2.806.22
X Financial$1.09B0.17$209.43M$3.451.39

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

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

Company Overall Sentiment
Velocity Financial Neutral
X Financial Neutral

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

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
Velocity Financial56.47% 18.01% 1.66%
X Financial 15.06%14.38%7.93%

Summary

Velocity Financial beats X Financial on 10 of the 15 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$187.22M$7.15B$14.47B$23.58B
Dividend Yield11.37%5.11%5.71%4.21%
P/E Ratio1.3917.2020.6630.98
Price / Sales0.1711.3644.6919.98
Price / Cash0.8748.8319.2732.09
Price / Book0.173.262.254.73
Net Income$209.43M$308.48M$1.14B$1.07B
7 Day Performance3.20%-1.02%-0.48%-0.45%
1 Month Performance-3.32%-4.13%0.41%-0.41%
1 Year Performance-66.65%-6.51%12.27%14.19%

X Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
XYF
X Financial
1.8654 of 5 stars
$4.78
flat
N/A-66.7%$187.22M$1.09B1.39420
CARE
Carter Bankshares
3.5336 of 5 stars
$33.29
+0.8%
$28.50
-14.4%
+87.9%$739.70M$254.63M6.84730
CWBC
Community West Bancshares
4.6016 of 5 stars
$27.18
+0.1%
$28.17
+3.6%
+23.0%$737.39M$196.20M12.58253
PFIS
Peoples Financial Services
2.8906 of 5 stars
$69.07
+0.8%
$58.50
-15.3%
+39.2%$691.46M$192.40M7.65400
BCAL
California BanCorp
3.5013 of 5 stars
$21.20
+0.4%
$20.67
-2.5%
+31.0%$682.00M$237.07M11.58204

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This page (NYSE:XYF) was last updated on 7/26/2026 by MarketBeat.com Staff.
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