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CF Bankshares Inc. (CFBK) vs GBank Financial Holdings Inc. (GBFH)

CF Bankshares Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. CF Bankshares Inc. and GBank Financial Holdings Inc. are of similar size ($234.1M and $224.3M). CF Bankshares Inc. trades at the lower P/E: 10.0× against 12.3×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against −0.93%. CF Bankshares Inc. has the higher net margin (17.7% vs 15.4%) and the lower return on invested capital (0.00% vs 23.9%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 9 and CF Bankshares Inc. on 7.

Valuation

Metric CFBK GBFH Banks Regional median
P/E 10.02 12.29 11.87
P/S 1.79 1.92 2.35
P/B 1.12 1.33 1.23
Price to free cash flow 10.62 7.39 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.98% 8.14% 8.34%
Free cash flow yield 9.41% 13.54% 9.37%

Profitability

Metric CFBK GBFH Banks Regional median
Gross margin 51.17% 68.90% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.71% 15.44% 18.99%
Free cash flow margin 16.87% 25.93% 18.19%
Return on equity 11.66% 11.39% 10.45%
Return on assets 1.02% 1.39% 1.15%
Return on invested capital 0.00% 23.93% 8.54%

Growth

Metric CFBK GBFH Banks Regional median
Revenue growth (TTM) (0.93%) 19.95% 6.56%
EPS growth (last fiscal year) 30.58% 5.11% 18.85%
Revenue growth, 5-year CAGR 4.23% — 12.65%
Net income growth, 5-year CAGR (9.06%) — 9.81%

Health

Metric CFBK GBFH Banks Regional median
Debt to equity 0.57 0.18 0.14
Current ratio 0.00 1.02 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK GBFH Banks Regional median
Dividend yield 1.03% — 2.51%
Payout ratio 0.10 — 0.30

Size

Metric CFBK GBFH Banks Regional median
Market cap 234.05m 224.33m 915.17m

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