Columbia Financial (NASDAQ:CLBK – Get Free Report) and CF Bankshares (NASDAQ:CFBK – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, valuation and earnings.
Insider & Institutional Ownership
12.7% of Columbia Financial shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 3.5% of Columbia Financial shares are held by company insiders. Comparatively, 17.7% of CF Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Analyst Ratings
This is a summary of recent ratings for Columbia Financial and CF Bankshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Columbia Financial | 0 | 1 | 3 | 0 | 2.75 |
| CF Bankshares | 0 | 1 | 2 | 0 | 2.67 |
Valuation and Earnings
This table compares Columbia Financial and CF Bankshares”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Columbia Financial | $267.05 million | 11.81 | $51.77 million | $0.34 | 34.41 |
| CF Bankshares | $61.81 million | 3.71 | $17.54 million | $2.91 | 12.27 |
Columbia Financial has higher revenue and earnings than CF Bankshares. CF Bankshares is trading at a lower price-to-earnings ratio than Columbia Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Columbia Financial and CF Bankshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Columbia Financial | 11.19% | 5.29% | 0.56% |
| CF Bankshares | 15.10% | 10.10% | 0.88% |
Risk and Volatility
Columbia Financial has a beta of 0.24, indicating that its share price is 76% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500.
Dividends
Columbia Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.0%. Columbia Financial pays out 58.8% of its earnings in the form of a dividend. CF Bankshares pays out 12.4% 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. CF Bankshares has raised its dividend for 4 consecutive years.
Summary
CF Bankshares beats Columbia Financial on 9 of the 17 factors compared between the two stocks.
About Columbia Financial
Columbia Financial, Inc., a bank holding company, provides various financial services to businesses and consumers in the United States. Its deposit products include checking, interest-earning checking products and municipal, savings and club deposits, and money market accounts, as well as certificates of deposit. The company also provides various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans, such as automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, it offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey; and branch offices in Freehold, New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
About CF Bankshares
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; retail banking services and products. In addition, the company offers consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, it provides online internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Columbus, Ohio.
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