CF Bankshares (CFBK) Competitors

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

Does the MarketBeat Community prefer SHBI or CFBK?

Shore Bancshares received 35 more outperform votes than CF Bankshares when rated by MarketBeat users. However, 63.60% of users gave CF Bankshares an outperform vote while only 56.84% of users gave Shore Bancshares an outperform vote.

Company	Underperform	Outperform
Shore Bancshares	Outperform Votes 187 56.84%	Underperform Votes 142 43.16%
CF Bankshares	Outperform Votes 152 63.60%	Underperform Votes 87 36.40%

Do analysts rate SHBI or CFBK?

Shore Bancshares presently has a consensus price target of $20.00, indicating a potential upside of 60.13%. Given Shore Bancshares' stronger consensus rating and higher possible upside, research analysts plainly believe Shore Bancshares is more favorable than CF Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Shore Bancshares	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
CF Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is SHBI or CFBK more profitable?

Shore Bancshares has a net margin of 13.44% compared to CF Bankshares' net margin of 10.72%. Shore Bancshares' return on equity of 10.40% beat CF Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Shore Bancshares	13.44%	10.40%	0.93%
CF Bankshares	10.72%	8.25%	0.65%

Do institutionals & insiders believe in SHBI or CFBK?

59.8% of Shore Bancshares shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 8.6% of Shore Bancshares shares are held by insiders. Comparatively, 19.7% of CF Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Which has stronger valuation and earnings, SHBI or CFBK?

Shore Bancshares has higher revenue and earnings than CF Bankshares. Shore Bancshares 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
Shore Bancshares	$201.70M	2.07	$43.89M	$1.33	9.39
CF Bankshares	$50.42M	2.15	$13.39M	$2.06	10.24

Which has more volatility & risk, SHBI or CFBK?

Shore Bancshares has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500.

Does the media favor SHBI or CFBK?

In the previous week, CF Bankshares had 2 more articles in the media than Shore Bancshares. MarketBeat recorded 5 mentions for CF Bankshares and 3 mentions for Shore Bancshares. Shore Bancshares' average media sentiment score of 1.76 beat CF Bankshares' score of 0.54 indicating that Shore Bancshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Shore Bancshares	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
CF Bankshares	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is SHBI or CFBK a better dividend stock?

Shore Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 3.8%. CF Bankshares pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. Shore Bancshares pays out 36.1% 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.

Summary

Shore Bancshares beats CF Bankshares on 13 of the 20 factors compared between the two stocks.