CF Bankshares Inc. (CFBK) vs Community Bancorp. (CMTV)

CF Bankshares Inc. and Community Bancorp. are both Banks Regional companies. CF Bankshares Inc. and Community Bancorp. are of similar size ($226.7M and $221.5M). CF Bankshares Inc. trades at the lower P/E: 11.8× against 12.4×. Community Bancorp. grew revenue faster over the last twelve months: 9.39% against −0.37%. Community Bancorp. has the higher net margin (25.6% vs 14.8%) and the lower return on invested capital (12.9% vs 25.6%). Across the 19 metrics below, Community Bancorp. leads on 12 and CF Bankshares Inc. on 7.

Valuation

Metric CFBK CMTV Banks Regional median
P/E 11.82 12.43 12.15
P/S 1.75 3.18 2.37
P/B 1.12 1.89 1.21
Price to free cash flow 12.21 11.37 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.63 3.00 2.27
Earnings yield 8.46% 8.05% 8.11%
Free cash flow yield 8.19% 8.80% 8.98%

Profitability

Metric CFBK CMTV Banks Regional median
Gross margin 50.12% 72.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 25.64% 18.66%
Free cash flow margin 14.30% 27.99% 21.18%
Return on equity 9.92% 16.34% 10.64%
Return on assets 0.86% 1.58% 1.13%
Return on invested capital 25.60% 12.86% 8.33%

Growth

Metric CFBK CMTV Banks Regional median
Revenue growth (TTM) (0.37%) 9.39% 6.61%
EPS growth (last fiscal year) 30.58% 32.02% —
Revenue growth, 5-year CAGR 4.23% 11.55% 12.30%
Net income growth, 5-year CAGR (9.06%) 9.54% 9.71%

Health

Metric CFBK CMTV Banks Regional median
Debt to equity 0.59 0.11 0.22
Current ratio 1.14 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK CMTV Banks Regional median
Dividend yield 1.11% — 3.75%
Payout ratio 0.08 — 0.27

Size

Metric CFBK CMTV Banks Regional median
Market cap 221.45m 226.67m 921.07m

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