CF Bankshares vs First Bancorp
CFBK and FNLC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFBK and FNLC compare
First Bancorp is the larger company, worth 1.8 times as much as CF Bankshares ($418M against $230M).
On earnings, CF Bankshares is cheaper: it trades at 10.2× trailing earnings, against 10.5× for First Bancorp.
First Bancorp grew revenue faster over the last twelve months (14.8% versus 7.8% for CF Bankshares).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 37.8% compared with 35.6% at CF Bankshares.
Both pay dividends: CF Bankshares yields 1.0% and First Bancorp 4.1%.
First Bancorp scores higher on the StockData Score (17 against 15 for CF Bankshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFBK | FNLC |
|---|---|---|
| Size and price | ||
| Market cap | $230M | $418M |
| Share price | $35.39 | $37.03 |
| Change, 1 year | 56.9% | 44.9% |
| Change, 5 years | 68.1% | 21.2% |
| Beta (5Y) | 0.54 | 0.50 |
| Employees | 98 | 283 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 3 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 4 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 5 (better) |
| Valuation | ||
| P/E | 10.2× (better) | 10.5× |
| P/S | 3.6× (better) | 4.0× |
| P/B | 1.2× (better) | 1.4× |
| P/FCF | 10.9× (better) | 12.8× |
| FCF yield | 9.2% (better) | 7.8% |
| Fair value | $34.64 | $34.63 |
| Margin of safety | −2.2% (better) | −6.9% |
| Growth | ||
| Revenue growth (TTM) | 7.8% | 14.8% (better) |
| Revenue growth, 5Y average | −7.0% | 4.0% (better) |
| Net income growth (TTM) | 40.0% (better) | 25.1% |
| EPS growth (TTM) | 39.0% (better) | 24.5% |
| EPS growth, 5Y average | −9.7% | 4.4% (better) |
| Profitability | ||
| Net margin | 35.6% | 37.8% (better) |
| FCF margin | 33.0% (better) | 31.2% |
| Return on equity | 12.0% | 14.0% (better) |
| Financial health | ||
| Debt / equity | – | 0.26 |
| Altman Z-score | 0.17 | 0.23 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.0% | 4.1% (better) |
| Payout ratio | 10.0% | 42.6% |
| Years of dividend growth | 5 | 8 (better) |
| Dividend growth, 5Y average | 58.5% (better) | 3.6% |
| Buyback yield | – | −0.16% |
| Shareholder yield | 1.0% | 3.9% (better) |
| Ownership | ||
| Held by institutions | 56.0% | 45.6% |
| Held by insiders | 28.0% | 4.9% |
| Insider net buying, 12 months | $48.7K (better) | −$140K |
| Short interest, % of float | 2.3% | 1.4% |
Go deeper
- CFBK stock overview
- CFBK income statement
- CFBK valuation and score
- FNLC stock overview
- FNLC income statement
- FNLC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.