CF Bankshares (CFBK) Competitors

Bar Harbor Bankshares (NYSE:BHB) and CF Bankshares (NASDAQ:CFBK) are both small-cap banking companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, risk, dividends, media sentiment, profitability, valuation, earnings and institutional ownership.

Which has more volatility & risk, BHB or CFBK?

Bar Harbor Bankshares has a beta of 0.65, indicating that its stock price is 35% less 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 BHB or CFBK a better dividend stock?

Bar Harbor Bankshares pays an annual dividend of $1.28 per share and has a dividend yield of 4.5%. CF Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 1.4%. Bar Harbor Bankshares pays out 49.6% of its earnings in the form of a dividend. CF Bankshares pays out 14.1% 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. Bar Harbor Bankshares has raised its dividend for 22 consecutive years and CF Bankshares has raised its dividend for 4 consecutive years. Bar Harbor Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media prefer BHB or CFBK?

In the previous week, Bar Harbor Bankshares and Bar Harbor Bankshares both had 1 articles in the media. CF Bankshares' average media sentiment score of 0.05 beat Bar Harbor Bankshares' score of 0.00 indicating that CF Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bar Harbor Bankshares	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
CF Bankshares	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do insiders & institutionals believe in BHB or CFBK?

54.5% of Bar Harbor Bankshares shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 2.6% of Bar Harbor Bankshares 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 is poised for long-term growth.

Do analysts rate BHB or CFBK?

Bar Harbor Bankshares presently has a consensus price target of $34.00, suggesting a potential upside of 18.72%. CF Bankshares has a consensus price target of $29.00, suggesting a potential upside of 23.40%. Given CF Bankshares' stronger consensus rating and higher possible upside, analysts plainly believe CF Bankshares is more favorable than Bar Harbor Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bar Harbor Bankshares	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
CF Bankshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has stronger earnings & valuation, BHB or CFBK?

Bar Harbor Bankshares has higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than Bar Harbor Bankshares, 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
Bar Harbor Bankshares	$147.99M	2.96	$39.52M	$2.58	11.10
CF Bankshares	$123.56M	0.99	$13.39M	$2.27	10.35

Is BHB or CFBK more profitable?

CF Bankshares has a net margin of 11.67% compared to Bar Harbor Bankshares' net margin of 0.00%. CF Bankshares' return on equity of 8.71% beat Bar Harbor Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bar Harbor Bankshares	N/A	N/A	N/A
CF Bankshares	11.67%	8.71%	0.70%

Summary

Bar Harbor Bankshares and CF Bankshares tied by winning 9 of the 18 factors compared between the two stocks.