Community First Bancshares (NASDAQ:CFBI) and BankFinancial (NASDAQ:BFIN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, profitability, risk, institutional ownership, analyst recommendations, earnings and dividends.
Earnings & Valuation
This table compares Community First Bancshares and BankFinancial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community First Bancshares||$13.68 million||6.48||N/A||N/A||N/A|
|BankFinancial||$62.59 million||4.30||$9.00 million||$0.63||24.52|
Volatility and Risk
Community First Bancshares has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500. Comparatively, BankFinancial has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500.
This is a summary of current ratings and price targets for Community First Bancshares and BankFinancial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community First Bancshares||0||0||0||0||N/A|
Insider and Institutional Ownership
1.7% of Community First Bancshares shares are held by institutional investors. Comparatively, 65.1% of BankFinancial shares are held by institutional investors. 1.4% of Community First Bancshares shares are held by company insiders. Comparatively, 15.2% of BankFinancial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
This table compares Community First Bancshares and BankFinancial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community First Bancshares||1.35%||0.27%||0.07%|
BankFinancial pays an annual dividend of $0.40 per share and has a dividend yield of 2.6%. Community First Bancshares does not pay a dividend. BankFinancial pays out 63.5% of its earnings in the form of a dividend. BankFinancial has increased its dividend for 4 consecutive years.
BankFinancial beats Community First Bancshares on 9 of the 13 factors compared between the two stocks.
About Community First Bancshares
Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through a main office and two branch offices in Covington, Georgia; and a loan production office in Bogart, Georgia. The company was founded in 1928 and is based in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.
BankFinancial Corporation operates as the holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois. The company accepts various deposit products, such as savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. It also offers multi-family and nonresidential real estate, construction and land, and commercial loans, as well as commercial leases; consumer loans; and one-to-four family residential mortgage loans, including home equity loans and lines of credit. In addition, the company provides various financial products and services, such as cash management, fund transfer, bill payment and other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency. Further, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. It operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.
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