Profitability
This table compares Commonwealth Business Bank and M&F Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Commonwealth Business Bank | 15.52% | N/A | N/A |
| M&F Bancorp | N/A | N/A | N/A |
Risk and Volatility
Commonwealth Business Bank has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500. Comparatively, M&F Bancorp has a beta of -0.55, indicating that its stock price is 155% less volatile than the S&P 500.
Dividends
Commonwealth Business Bank pays an annual dividend of $0.50 per share and has a dividend yield of 4.4%. M&F Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. Commonwealth Business Bank pays out 27.9% of its earnings in the form of a dividend. M&F Bancorp pays out 18.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Commonwealth Business Bank | $120.93 million | 0.98 | $22.43 million | $1.79 | 6.28 |
| M&F Bancorp | $29.72 million | 1.64 | $4.30 million | $1.30 | 19.35 |
Commonwealth Business Bank has higher revenue and earnings than M&F Bancorp. Commonwealth Business Bank is trading at a lower price-to-earnings ratio than M&F Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Commonwealth Business Bank beats M&F Bancorp on 6 of the 9 factors compared between the two stocks.
About Commonwealth Business Bank
CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and certification of deposit accounts; SBA lending; business lines of credit; business term loans; business and commercial property loans; construction loans; and credit cards. The company also provides treasury management, and mobile and online banking services, as well as title and escrow services. In addition, it engages in investing activities; and offers trade finance services, including commercial letters of credit, standby letters of credit, and documentary collection services. The company offers its services through full-service and limited-service branches in Southern California, Dallas, Texas and Honolulu, and Hawaii; and loan production offices in the states of Colorado, Georgia, Texas, and Washington. CBB Bancorp, Inc. was founded in 2005 and is headquartered in Los Angeles, California.
About M&F Bancorp
M&F Bancorp, Inc. operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers deposit products, including demand deposits; checking, savings, and money market accounts, as well as certificates of deposit. The company provides loans for commercial and residential real estate, and construction; and consumer and other loans; as well as ATM services. M&F Bancorp, Inc. was founded in 1907 and is headquartered in Durham, North Carolina.
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