Contrasting Central Federal (CFBK) and WCF Bancorp (WCFB)

Central Federal (NASDAQ:CFBK) and WCF Bancorp (NASDAQ:WCFB) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, valuation, risk, dividends, institutional ownership, analyst recommendations and earnings.

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.3%. Central Federal does not pay a dividend.

Analyst Ratings

This is a summary of recent ratings and price targets for Central Federal and WCF Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Central Federal 0 0 0 0 N/A
WCF Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

19.4% of WCF Bancorp shares are owned by institutional investors. 18.2% of Central Federal shares are owned by insiders. Comparatively, 0.6% of WCF Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Risk & Volatility

Central Federal has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500.

Valuation & Earnings

This table compares Central Federal and WCF Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Central Federal $17.95 million 3.28 $1.34 million N/A N/A
WCF Bancorp $4.44 million 5.10 -$110,000.00 N/A N/A

Central Federal has higher revenue and earnings than WCF Bancorp.

Profitability

This table compares Central Federal and WCF Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Central Federal 10.97% 8.74% 0.67%
WCF Bancorp 0.68% 0.12% 0.03%

Summary

Central Federal beats WCF Bancorp on 7 of the 11 factors compared between the two stocks.

Central Federal Company Profile

Central Federal Corporation operates as the bank holding company for CFBank that provides various financial services in the United States. The company accepts savings, retail and business checking, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, automobile loans, home improvement loans, and loans secured by deposits, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and corporate treasury management services. It operates through four branch offices located in Summit, Columbiana, Hamilton, and Franklin Counties; and an agency office located in Cuyahoga County, Ohio. Central Federal Corporation was founded in 1892 and is based in Worthington, Ohio.

WCF Bancorp Company Profile

WCF Bancorp, Inc. operates as the savings and loan holding company for WCF Financial Bank that various banking products and services. The company accepts deposit accounts, such as statement savings, money market, and NOW accounts; and certificates of deposit. Its loan products include one-to-four family residential real estate loans; non-owner occupied one-to-four family residential real estate loans; commercial real estate loans; and consumer loans comprising new and used automobile loans, home improvement and home equity loans, recreational vehicle loans, and loans secured by certificates of deposits. The company also invests in securities. It operates one full-service branch in Independence, Iowa. WCF Bancorp, Inc. is based in Webster City, Iowa.

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