CF Bankshares vs Virginia National Bankshares
CFBK and VABK 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 VABK compare
Virginia National Bankshares is the larger company, worth 1.3 times as much as CF Bankshares ($292M against $230M).
On earnings, CF Bankshares is cheaper: it trades at 10.2× trailing earnings, against 11.8× for Virginia National Bankshares.
Virginia National Bankshares grew revenue faster over the last twelve months (13.3% versus 7.8% for CF Bankshares).
Virginia National Bankshares keeps more of each dollar of sales as profit, with a net margin of 39.0% compared with 35.6% at CF Bankshares.
Both pay dividends: CF Bankshares yields 1.0% and Virginia National Bankshares 2.7%.
CF Bankshares scores higher on the StockData Score (15 against 14 for Virginia National 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 | VABK |
|---|---|---|
| Size and price | ||
| Market cap | $230M | $292M |
| Share price | $35.39 | $53.89 |
| Change, 1 year | 56.9% | 34.0% |
| Change, 5 years | 68.1% | 44.9% |
| Beta (5Y) | 0.54 | 0.45 |
| Employees | 98 | 140 |
| StockData Score | ||
| Total score | 15 (better) | 14 |
| Valuation score | 3 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 10.2× (better) | 11.8× |
| P/S | 3.6× (better) | 4.6× |
| P/B | 1.2× (better) | 1.5× |
| P/FCF | 10.9× (better) | 12.9× |
| FCF yield | 9.2% (better) | 7.7% |
| Fair value | $34.64 | $49.06 |
| Margin of safety | −2.2% (better) | −9.8% |
| Growth | ||
| Revenue growth (TTM) | 7.8% | 13.3% (better) |
| Revenue growth, 5Y average | −7.0% | 13.6% (better) |
| Net income growth (TTM) | 40.0% (better) | 38.6% |
| EPS growth (TTM) | 39.0% (better) | 38.2% |
| EPS growth, 5Y average | −9.7% | 3.8% (better) |
| Profitability | ||
| Net margin | 35.6% | 39.0% (better) |
| FCF margin | 33.0% | 35.6% (better) |
| Return on equity | 12.0% | 13.6% (better) |
| Financial health | ||
| Debt / equity | – | 0.10 |
| Altman Z-score | 0.17 | 0.25 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.0% | 2.7% (better) |
| Payout ratio | 10.0% | – |
| Years of dividend growth | 5 (better) | 1 |
| Dividend growth, 5Y average | 58.5% (better) | 3.3% |
| Shareholder yield | 1.0% | 2.7% (better) |
| Ownership | ||
| Held by institutions | 56.0% | 51.3% |
| Held by insiders | 28.0% | 12.2% |
| Insider net buying, 12 months | $48.7K | – |
| Short interest, % of float | 2.3% | 0.79% |
Go deeper
- CFBK stock overview
- CFBK income statement
- CFBK valuation and score
- VABK stock overview
- VABK income statement
- VABK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.