CFBK
CF Bankshares Inc.
Banks - Regional
Market Cap$176M
5Y Perf.+158.1%
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Stock Comparison
CFBK vs FFIC
Revenue, margins, valuation, and 5-year total return — side by side.
FFIC
Flushing Financial Corporation
Banks - Regional
Market Cap$544M
5Y Perf.+41.5%
CFBK vs FFIC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CFBK | FFIC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $176M | $544M |
| Revenue (TTM) | $126M | $453M |
| Net Income (TTM) | $17M | $19M |
| Gross Margin | 41.8% | 41.9% |
| Operating Margin | 17.1% | 7.6% |
| Forward P/E | 7.5x | 11.4x |
| Total Debt | $122M | $592M |
| Cash & Equiv. | $259M | $126M |
CFBK vs FFIC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CFBK
FFIC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| CF Bankshares Inc. (CFBK) | 100 | 258.1 | +158.1% |
| Flushing Financial … (FFIC) | 100 | 141.5 | +41.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CFBK vs FFIC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CFBK leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Flushing Financial Corporation is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
CFBK
CF Bankshares Inc.
The Banking Pick
CFBK carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 5 yrs, beta 0.41, yield 1.1%
- 291.5% 10Y total return vs FFIC's 25.2%
- Lower volatility, beta 0.41, Low D/E 66.1%, current ratio 15.31x
Best for: income & stability and long-term compounding
FFIC
Flushing Financial Corporation
The Banking Pick
FFIC is the clearest fit if your priority is growth exposure.
- Rev growth 11.1%, EPS growth 151.4%
- 11.1% NII/revenue growth vs CFBK's 3.1%
- +36.7% vs CFBK's +16.7%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FFIC | 11.1% NII/revenue growth vs CFBK's 3.1% |
| Value | CFBK | Lower P/E (7.5x vs 11.4x) |
| Quality / Margins | CFBK | Efficiency ratio 0.2% vs FFIC's 0.3% (lower = leaner) |
| Stability / Safety | CFBK | Beta 0.41 vs FFIC's 1.08, lower leverage |
| Dividends | CFBK | 1.1% yield, 5-year raise streak, vs FFIC's 5.5% |
| Momentum (1Y) | FFIC | +36.7% vs CFBK's +16.7% |
| Efficiency (ROA) | CFBK | Efficiency ratio 0.2% vs FFIC's 0.3% |
CFBK vs FFIC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCFBKLAGGINGFFIC
FFICFlushing Financial Co…
0leads
CFBKCF Bankshares Inc.
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6 Total Categories
CATEGORYLEADERvs FFICMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CFBK3/5
Valuation MetricsMultiples, price ratios, and targets
CFBK4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CFBK8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CFBK leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FFIC is the larger business by revenue, generating $453M annually — 3.6x CFBK's $126M. CFBK is the more profitable business, keeping 13.5% of every revenue dollar as net income compared to FFIC's 4.2%.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| RevenueTrailing 12 months | $126M | $453M |
| EBITDAEarnings before interest/tax | $22M | $40M |
| Net IncomeAfter-tax profit | $17M | $19M |
| Free Cash FlowCash after capex | $18M | $56M |
| Gross MarginGross profit ÷ Revenue | +41.8% | +41.9% |
| Operating MarginEBIT ÷ Revenue | +17.1% | +7.6% |
| Net MarginNet income ÷ Revenue | +13.5% | +4.2% |
| FCF MarginFCF ÷ Revenue | +14.5% | +12.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +29.4% | +107.5% |
CFBK leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
CFBK leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.2x trailing earnings, CFBK trades at a 66% valuation discount to FFIC's 29.7x P/E. On an enterprise value basis, CFBK's 1.8x EV/EBITDA is more attractive than FFIC's 25.3x.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| Market CapShares × price | $176M | $544M |
| Enterprise ValueMkt cap + debt − cash | $39M | $1.0B |
| Trailing P/EPrice ÷ TTM EPS | 10.17x | 29.72x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.48x | 11.38x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 1.81x | 25.34x |
| Price / SalesMarket cap ÷ Revenue | 1.40x | 1.20x |
| Price / BookPrice ÷ Book value/share | 0.94x | 0.78x |
| Price / FCFMarket cap ÷ FCF | 9.67x | 9.75x |
CFBK leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CFBK leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
CFBK delivers a 9.6% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $3 for FFIC. CFBK carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to FFIC's 0.84x. On the Piotroski fundamental quality scale (0–9), FFIC scores 8/9 vs CFBK's 7/9, reflecting strong financial health.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +9.6% | +2.7% |
| ROA (TTM)Return on assets | +0.8% | +0.2% |
| ROICReturn on invested capital | +5.5% | +1.7% |
| ROCEReturn on capital employed | +1.8% | +0.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 0.66x | 0.84x |
| Net DebtTotal debt minus cash | -$137M | $466M |
| Cash & Equiv.Liquid assets | $259M | $126M |
| Total DebtShort + long-term debt | $122M | $592M |
| Interest CoverageEBIT ÷ Interest expense | 0.33x | 0.14x |
CFBK leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — CFBK and FFIC each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CFBK five years ago would be worth $14,264 today (with dividends reinvested), compared to $8,476 for FFIC. Over the past 12 months, FFIC leads with a +36.7% total return vs CFBK's +16.7%. The 3-year compound annual growth rate (CAGR) favors FFIC at 23.0% vs CFBK's 20.9% — a key indicator of consistent wealth creation.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +12.3% | +8.9% |
| 1-Year ReturnPast 12 months | +16.7% | +36.7% |
| 3-Year ReturnCumulative with dividends | +76.8% | +86.3% |
| 5-Year ReturnCumulative with dividends | +42.6% | -15.2% |
| 10-Year ReturnCumulative with dividends | +291.5% | +25.2% |
| CAGR (3Y)Annualised 3-year return | +20.9% | +23.0% |
Evenly matched — CFBK and FFIC each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CFBK and FFIC each lead in 1 of 2 comparable metrics.
Risk & Volatility
CFBK is the less volatile stock with a 0.41 beta — it tends to amplify market swings less than FFIC's 1.08 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FFIC currently trades 90.2% from its 52-week high vs CFBK's 79.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.41x | 1.08x |
| 52-Week HighHighest price in past year | $34.34 | $17.79 |
| 52-Week LowLowest price in past year | $22.10 | $11.13 |
| % of 52W HighCurrent price vs 52-week peak | +79.7% | +90.2% |
| RSI (14)Momentum oscillator 0–100 | 27.6 | 54.3 |
| Avg Volume (50D)Average daily shares traded | 38K | 205K |
Evenly matched — CFBK and FFIC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CFBK and FFIC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CFBK as "Buy" and FFIC as "Hold". Consensus price targets imply 6.0% upside for CFBK (target: $29) vs 4.4% for FFIC (target: $17). For income investors, FFIC offers the higher dividend yield at 5.47% vs CFBK's 1.12%.
| Metric | CFBKCF Bankshares Inc. | FFICFlushing Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $29.00 | $16.75 |
| # AnalystsCovering analysts | 1 | 10 |
| Dividend YieldAnnual dividend ÷ price | +1.1% | +5.5% |
| Dividend StreakConsecutive years of raises | 5 | 1 |
| Dividend / ShareAnnual DPS | $0.31 | $0.88 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +0.1% |
Evenly matched — CFBK and FFIC each lead in 1 of 2 comparable metrics.
Key Takeaway
CFBK leads in 3 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 3 categories are tied.
Best OverallCF Bankshares Inc. (CFBK)Leads 3 of 6 categories
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CFBK vs FFIC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CFBK or FFIC a better buy right now?
For growth investors, Flushing Financial Corporation (FFIC) is the stronger pick with 11.
1% revenue growth year-over-year, versus 3. 1% for CF Bankshares Inc. (CFBK). CF Bankshares Inc. (CFBK) offers the better valuation at 10. 2x trailing P/E (7. 5x forward), making it the more compelling value choice. Analysts rate CF Bankshares Inc. (CFBK) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CFBK or FFIC?
On trailing P/E, CF Bankshares Inc.
(CFBK) is the cheapest at 10. 2x versus Flushing Financial Corporation at 29. 7x. On forward P/E, CF Bankshares Inc. is actually cheaper at 7. 5x.
03Which is the better long-term investment — CFBK or FFIC?
Over the past 5 years, CF Bankshares Inc.
(CFBK) delivered a total return of +42. 6%, compared to -15. 2% for Flushing Financial Corporation (FFIC). Over 10 years, the gap is even starker: CFBK returned +291. 5% versus FFIC's +25. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CFBK or FFIC?
By beta (market sensitivity over 5 years), CF Bankshares Inc.
(CFBK) is the lower-risk stock at 0. 41β versus Flushing Financial Corporation's 1. 08β — meaning FFIC is approximately 163% more volatile than CFBK relative to the S&P 500. On balance sheet safety, CF Bankshares Inc. (CFBK) carries a lower debt/equity ratio of 66% versus 84% for Flushing Financial Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — CFBK or FFIC?
By revenue growth (latest reported year), Flushing Financial Corporation (FFIC) is pulling ahead at 11.
1% versus 3. 1% for CF Bankshares Inc. (CFBK). On earnings-per-share growth, the picture is similar: Flushing Financial Corporation grew EPS 151. 4% year-over-year, compared to 30. 6% for CF Bankshares Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CFBK or FFIC?
CF Bankshares Inc.
(CFBK) is the more profitable company, earning 13. 5% net margin versus 4. 2% for Flushing Financial Corporation — meaning it keeps 13. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CFBK leads at 17. 1% versus 7. 6% for FFIC. At the gross margin level — before operating expenses — FFIC leads at 41. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CFBK or FFIC more undervalued right now?
On forward earnings alone, CF Bankshares Inc.
(CFBK) trades at 7. 5x forward P/E versus 11. 4x for Flushing Financial Corporation — 3. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CFBK: 6. 0% to $29. 00.
08Which pays a better dividend — CFBK or FFIC?
All stocks in this comparison pay dividends.
Flushing Financial Corporation (FFIC) offers the highest yield at 5. 5%, versus 1. 1% for CF Bankshares Inc. (CFBK).
09Is CFBK or FFIC better for a retirement portfolio?
For long-horizon retirement investors, CF Bankshares Inc.
(CFBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 41), 1. 1% yield, +291. 5% 10Y return). Both have compounded well over 10 years (CFBK: +291. 5%, FFIC: +25. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CFBK and FFIC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CFBK is a small-cap deep-value stock; FFIC is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CFBK: 3.1% · FFIC: 11.1%)Net Margin>
%
(CFBK: 13.5% · FFIC: 4.2%)P/E Ratio<
x
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