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X Financial (XYF) Competitors

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$5.03 -0.06 (-1.08%)
Closing price 06/12/2026 03:58 PM Eastern
Extended Trading
$5.03 +0.00 (+0.10%)
As of 06/12/2026 07:02 PM Eastern
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XYF vs. ORRF, SMBK, ALRS, IBCP, and SHBI

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 Orrstown Financial Services (ORRF), SmartFinancial (SMBK), Alerus Financial (ALRS), Independent Bank (IBCP), and Shore Bancshares (SHBI). These companies are all part of the "banking" industry.

How does X Financial compare to Orrstown Financial Services?

Orrstown Financial Services (NASDAQ:ORRF) and X Financial (NYSE:XYF) 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, institutional ownership, dividends, media sentiment, profitability, analyst recommendations, risk and valuation.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Orrstown Financial Services$356.05M2.20$80.86M$4.379.14
X Financial$1.09B0.18$209.43M$3.451.46

In the previous week, Orrstown Financial Services had 2 more articles in the media than X Financial. MarketBeat recorded 2 mentions for Orrstown Financial Services and 0 mentions for X Financial. Orrstown Financial Services' average media sentiment score of 0.63 beat X Financial's score of 0.00 indicating that Orrstown Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Orrstown Financial Services Positive
X Financial Neutral

Orrstown Financial Services currently has a consensus price target of $41.67, indicating a potential upside of 4.32%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, research analysts clearly believe Orrstown Financial Services is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Orrstown Financial Services
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

Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.0%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.7%. Orrstown Financial Services pays out 27.5% 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. Orrstown Financial Services has increased its dividend for 10 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Orrstown Financial Services has a net margin of 23.58% compared to X Financial's net margin of 15.06%. Orrstown Financial Services' return on equity of 14.75% beat X Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Orrstown Financial Services23.58% 14.75% 1.55%
X Financial 15.06%14.38%7.93%

44.3% of Orrstown Financial Services shares are owned by institutional investors. Comparatively, 1.2% of X Financial shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by insiders. Comparatively, 31.6% of X Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Orrstown Financial Services has a beta of 0.7, indicating that its share price is 30% less volatile than the broader market. Comparatively, X Financial has a beta of 0.56, indicating that its share price is 44% less volatile than the broader market.

Summary

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

How does X Financial compare to SmartFinancial?

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

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.7%. SmartFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 0.8%. X Financial pays out 15.7% 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. SmartFinancial has raised its dividend for 3 consecutive years.

SmartFinancial has a consensus price target of $45.88, suggesting a potential upside of 0.90%. Given SmartFinancial's stronger consensus rating and higher possible upside, analysts clearly believe SmartFinancial 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
SmartFinancial
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

X Financial has higher revenue and earnings than SmartFinancial. X Financial 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
X Financial$1.09B0.18$209.43M$3.451.46
SmartFinancial$203.48M3.82$36.14M$3.1214.57

X Financial has a net margin of 15.06% compared to SmartFinancial's net margin of 12.67%. X Financial's return on equity of 14.38% beat SmartFinancial's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
SmartFinancial 12.67%7.33%0.71%

X Financial has a beta of 0.56, indicating that its share price is 44% less volatile than the broader market. Comparatively, SmartFinancial has a beta of 0.72, indicating that its share price is 28% less volatile than the broader market.

1.2% of X Financial shares are held by institutional investors. Comparatively, 58.8% of SmartFinancial shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 6.9% of SmartFinancial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

In the previous week, SmartFinancial had 4 more articles in the media than X Financial. MarketBeat recorded 4 mentions for SmartFinancial and 0 mentions for X Financial. SmartFinancial's average media sentiment score of 0.96 beat X Financial's score of 0.00 indicating that SmartFinancial is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
SmartFinancial Positive

Summary

SmartFinancial beats X Financial on 12 of the 20 factors compared between the two stocks.

How does X Financial compare to Alerus Financial?

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

X Financial has a beta of 0.56, indicating that its share price is 44% less volatile than the broader market. Comparatively, Alerus Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the broader market.

X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.7%. Alerus Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.8%. X Financial pays out 15.7% of its earnings in the form of a dividend. Alerus Financial pays out 81.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Alerus Financial has increased its dividend for 25 consecutive years. X Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

X Financial has a net margin of 15.06% compared to Alerus Financial's net margin of 6.74%. Alerus Financial's return on equity of 14.39% beat X Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
X Financial15.06% 14.38% 7.93%
Alerus Financial 6.74%14.39%1.51%

X Financial has higher revenue and earnings than Alerus Financial. X Financial is trading at a lower price-to-earnings ratio than Alerus 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$3.451.46
Alerus Financial$399.92M1.90$17.44M$1.0329.42

1.2% of X Financial shares are held by institutional investors. Comparatively, 51.3% of Alerus Financial shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 4.3% of Alerus Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Alerus Financial has a consensus price target of $28.38, suggesting a potential downside of 6.35%. Given Alerus Financial's stronger consensus rating and higher probable upside, analysts plainly believe Alerus 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
Alerus Financial
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
2 Strong Buy rating(s)
2.71

In the previous week, Alerus Financial had 1 more articles in the media than X Financial. MarketBeat recorded 1 mentions for Alerus Financial and 0 mentions for X Financial. Alerus Financial's average media sentiment score of 1.87 beat X Financial's score of 0.00 indicating that Alerus Financial is being referred to more favorably in the news media.

Company Overall Sentiment
X Financial Neutral
Alerus Financial Very Positive

Summary

Alerus Financial beats X Financial on 12 of the 20 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 compare the two companies based on the strength of their dividends, profitability, valuation, institutional ownership, risk, earnings, media sentiment and analyst recommendations.

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 10.7%. Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.2%. 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 0.56, indicating that its stock price is 44% less volatile than the broader market. Comparatively, Independent Bank has a beta of 0.71, indicating that its stock price is 29% less volatile than the broader market.

In the previous week, Independent Bank had 3 more articles in the media than X Financial. MarketBeat recorded 3 mentions for Independent Bank and 0 mentions for X Financial. Independent Bank's average media sentiment score of 1.02 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 endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Independent Bank has a consensus target price of $37.00, suggesting a potential upside of 4.28%. Given Independent Bank's stronger consensus rating and higher probable 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

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$3.451.46
Independent Bank$315.38M2.32$68.54M$3.3510.59

Summary

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

How does X Financial compare to Shore Bancshares?

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

59.8% of Shore Bancshares shares are held by institutional investors. Comparatively, 1.2% of X Financial shares are held by institutional investors. 8.7% of Shore Bancshares 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, large money managers and hedge funds believe a company is poised for long-term growth.

Shore Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 2.5%. X Financial pays an annual dividend of $0.54 per share and has a dividend yield of 10.7%. Shore Bancshares pays out 29.8% 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.

Shore Bancshares has a beta of 0.84, indicating that its stock price is 16% less volatile than the broader market. Comparatively, X Financial has a beta of 0.56, indicating that its stock price is 44% less volatile than the broader market.

Shore Bancshares has a net margin of 18.20% compared to X Financial's net margin of 15.06%. X Financial's return on equity of 14.38% beat Shore Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Shore Bancshares18.20% 11.84% 1.12%
X Financial 15.06%14.38%7.93%

In the previous week, Shore Bancshares had 2 more articles in the media than X Financial. MarketBeat recorded 2 mentions for Shore Bancshares and 0 mentions for X Financial. Shore Bancshares' average media sentiment score of 1.02 beat X Financial's score of 0.00 indicating that Shore Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
Shore Bancshares Positive
X Financial Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Shore Bancshares$342.72M2.23$59.51M$1.8812.13
X Financial$1.09B0.18$209.43M$3.451.46

Shore Bancshares currently has a consensus price target of $21.33, indicating a potential downside of 6.47%. Given Shore Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Shore Bancshares is more favorable than X Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Shore Bancshares
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.00
X Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Summary

Shore Bancshares beats X Financial on 11 of the 19 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$198.56M$6.92B$13.70B$23.15B
Dividend Yield10.72%5.93%5.78%4.08%
P/E Ratio1.4617.4220.1531.33
Price / Sales0.1811.65140.3120.48
Price / Cash0.9256.6219.5724.24
Price / Book0.183.422.244.68
Net Income$209.43M$300.94M$1.14B$1.07B
7 Day Performance6.01%1.86%1.45%2.11%
1 Month Performance9.91%-2.77%1.88%2.32%
1 Year Performance-72.46%12.77%12.76%24.12%

X Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
XYF
X Financial
1.6547 of 5 stars
$5.03
-1.1%
N/A-74.1%$198.56M$1.09B1.46420
ORRF
Orrstown Financial Services
3.1431 of 5 stars
$38.38
+1.4%
$41.67
+8.6%
+28.9%$755.37M$252.65M8.80430
SMBK
SmartFinancial
3.7879 of 5 stars
$43.38
+2.2%
$45.88
+5.8%
+40.9%$742.28M$203.48M20.29550
ALRS
Alerus Financial
2.7818 of 5 stars
$29.32
+0.7%
$28.38
-3.2%
+40.5%$734.83M$399.92M28.39840
IBCP
Independent Bank
3.92 of 5 stars
$35.21
+1.3%
$37.00
+5.1%
+13.0%$726.05M$315.38M10.52920

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This page (NYSE:XYF) was last updated on 6/13/2026 by MarketBeat.com Staff.
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