CF Bankshares vs OptimumBank
CFBK and OPHC 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 OPHC compare
CF Bankshares and OptimumBank are about the same size, with market caps of $230M and $217M.
OptimumBank grew revenue faster over the last twelve months (41.9% versus 7.8% for CF Bankshares).
OptimumBank keeps more of each dollar of sales as profit, with a net margin of 35.7% compared with 35.6% at CF Bankshares.
CF Bankshares pays a dividend yielding 1.0%; OptimumBank does not pay one.
CF Bankshares scores higher on the StockData Score (15 against 10 for OptimumBank), 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 | OPHC |
|---|---|---|
| Size and price | ||
| Market cap | $230M | $217M |
| Share price | $35.39 | $9.03 |
| Change, 1 year | 56.9% | 119% |
| Change, 5 years | 68.1% | 83.2% |
| Beta (5Y) | 0.54 | 0.46 |
| Employees | 98 | 98 |
| StockData Score | ||
| Total score | 15 (better) | 10 |
| Valuation score | 3 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 4 |
| Health score | 3 | 3 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 10.2× | – |
| P/S | 3.6× | 3.3× (better) |
| P/B | 1.2× (better) | 1.5× |
| P/FCF | 10.9× | 7.1× (better) |
| FCF yield | 9.2% | 14.1% (better) |
| Fair value | $34.64 | – |
| Margin of safety | −2.2% | – |
| Growth | ||
| Revenue growth (TTM) | 7.8% | 41.9% (better) |
| Revenue growth, 5Y average | −7.0% | 56.3% (better) |
| Net income growth (TTM) | 40.0% | 48.2% (better) |
| EPS growth (TTM) | 39.0% | – |
| EPS growth, 5Y average | −9.7% | – |
| Profitability | ||
| Net margin | 35.6% | 35.7% (better) |
| FCF margin | 33.0% | 46.8% (better) |
| Return on equity | 12.0% | 17.5% (better) |
| Financial health | ||
| Altman Z-score | 0.17 (better) | 0.16 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.0% | – |
| Payout ratio | 10.0% | – |
| Years of dividend growth | 5 | – |
| Dividend growth, 5Y average | 58.5% | – |
| Buyback yield | – | −4.3% |
| Shareholder yield | 1.0% (better) | −4.3% |
| Ownership | ||
| Held by institutions | 56.0% | 9.8% |
| Held by insiders | 28.0% | 8.1% |
| Insider net buying, 12 months | $48.7K (better) | −$186K |
| Short interest, % of float | 2.3% | 0.45% |
Go deeper
- CFBK stock overview
- CFBK income statement
- CFBK valuation and score
- OPHC stock overview
- OPHC income statement
- OPHC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.