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CF Bankshares Inc. (CFBK) vs National Bankshares, Inc. (NKSH)

CF Bankshares Inc. and National Bankshares, Inc. are both Banks Regional companies. CF Bankshares Inc. and National Bankshares, Inc. are of similar size ($251.1M and $234.1M). CF Bankshares Inc. trades at the lower P/E: 11.9× against 12.4×. National Bankshares, Inc. grew revenue faster over the last twelve months: 5.28% against −0.37%. National Bankshares, Inc. has the higher net margin (23.2% vs 14.8%) and the lower return on invested capital (11.2% vs 25.6%). Both pay a dividend; National Bankshares, Inc. yields more (3.87% vs 1.04%). Across the 19 metrics below, National Bankshares, Inc. leads on 11 and CF Bankshares Inc. on 8.

Valuation

Metric CFBK NKSH Banks Regional median
P/E 11.89 12.39 12.02
P/S 1.76 2.88 2.36
P/B 1.13 1.31 1.23
Price to free cash flow 12.29 13.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.41% 8.07% 8.21%
Free cash flow yield 8.14% 7.33% 9.23%

Profitability

Metric CFBK NKSH Banks Regional median
Gross margin 50.12% 69.15% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 23.22% 18.82%
Free cash flow margin 14.30% 21.07% 17.97%
Return on equity 9.92% 11.25% 10.28%
Return on assets 0.86% 1.12% 1.13%
Return on invested capital 25.60% 11.23% 8.45%

Growth

Metric CFBK NKSH Banks Regional median
Revenue growth (TTM) (0.37%) 5.28% 6.37%
EPS growth (last fiscal year) 30.58% 100.81% 18.85%
Revenue growth, 5-year CAGR 4.23% 10.43% 12.65%
Net income growth, 5-year CAGR (9.06%) (0.31%) 9.81%

Health

Metric CFBK NKSH Banks Regional median
Debt to equity 0.59 0.00 0.17
Current ratio 1.14 0.65 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK NKSH Banks Regional median
Dividend yield 1.04% 3.87% 2.49%
Payout ratio 0.12 0.48 0.29

Size

Metric CFBK NKSH Banks Regional median
Market cap 234.05m 251.07m 934.85m

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