CF Bankshares (CFBK) Competitors

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

Does the media refer more to UNTY or CFBK?

In the previous week, Unity Bancorp and Unity Bancorp both had 1 articles in the media. CF Bankshares' average media sentiment score of 1.94 beat Unity Bancorp's 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
Unity Bancorp	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	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Does the MarketBeat Community prefer UNTY or CFBK?

Unity Bancorp received 17 more outperform votes than CF Bankshares when rated by MarketBeat users. Likewise, 64.50% of users gave Unity Bancorp an outperform vote while only 63.60% of users gave CF Bankshares an outperform vote.

Company	Underperform	Outperform
Unity Bancorp	Outperform Votes 169 64.50%	Underperform Votes 93 35.50%
CF Bankshares	Outperform Votes 152 63.60%	Underperform Votes 87 36.40%

Do analysts prefer UNTY or CFBK?

Unity Bancorp currently has a consensus price target of $54.50, indicating a potential upside of 27.31%. Given Unity Bancorp's stronger consensus rating and higher possible upside, equities analysts plainly believe Unity Bancorp is more favorable than CF Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
CF Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is UNTY or CFBK a better dividend stock?

Unity Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.3%. CF Bankshares pays an annual dividend of $0.28 per share and has a dividend yield of 1.2%. Unity Bancorp pays out 13.8% of its earnings in the form of a dividend. CF Bankshares pays out 13.6% 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. Unity Bancorp has increased its dividend for 12 consecutive years. Unity Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is UNTY or CFBK more profitable?

Unity Bancorp has a net margin of 25.24% compared to CF Bankshares' net margin of 10.72%. Unity Bancorp's return on equity of 15.08% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Unity Bancorp	25.24%	15.08%	1.59%
CF Bankshares	10.72%	8.25%	0.65%

Which has more volatility and risk, UNTY or CFBK?

Unity Bancorp has a beta of 0.95, meaning that its share price is 5% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.59, meaning that its share price is 41% less volatile than the S&P 500.

Which has preferable valuation & earnings, UNTY or CFBK?

Unity Bancorp has higher revenue and earnings than CF Bankshares. Unity Bancorp is trading at a lower price-to-earnings ratio than CF 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
Unity Bancorp	$105.94M	4.04	$41.45M	$4.06	10.54
CF Bankshares	$50.42M	2.31	$13.39M	$2.06	11.03

Do insiders & institutionals have more ownership in UNTY or CFBK?

42.3% of Unity Bancorp shares are owned by institutional investors. Comparatively, 41.1% of CF Bankshares shares are owned by institutional investors. 28.9% of Unity Bancorp shares are owned by insiders. Comparatively, 19.7% of CF Bankshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Unity Bancorp beats CF Bankshares on 17 of the 20 factors compared between the two stocks.