CFBK
CF Bankshares Inc.
Banks - Regional
Market Cap$176M
5Y Perf.+158.1%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
CFBK vs HONE
Revenue, margins, valuation, and 5-year total return — side by side.
HONE
HarborOne Bancorp, Inc.
Banks - Regional
Market Cap$522M
5Y Perf.+51.8%
CFBK vs HONE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CFBK | HONE |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $176M | $522M |
| Revenue (TTM) | $126M | $314M |
| Net Income (TTM) | $17M | $26M |
| Gross Margin | 41.8% | 50.9% |
| Operating Margin | 17.1% | 10.9% |
| Forward P/E | 7.5x | 13.3x |
| Total Debt | $122M | $517M |
| Cash & Equiv. | $259M | $231M |
CFBK vs HONE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CFBK
HONE
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| CF Bankshares Inc. (CFBK) | 100 | 258.1 | +158.1% |
| HarborOne Bancorp, … (HONE) | 100 | 151.8 | +51.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CFBK vs HONE
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. HarborOne Bancorp, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. 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 HONE's 88.3%
- Lower volatility, beta 0.41, Low D/E 66.1%, current ratio 15.31x
Best for: income & stability and long-term compounding
HONE
HarborOne Bancorp, Inc.
The Banking Pick
HONE is the clearest fit if your priority is growth exposure.
- Rev growth 10.7%, EPS growth 78.4%
- 10.7% NII/revenue growth vs CFBK's 3.1%
- 2.6% yield, 5-year raise streak, vs CFBK's 1.1%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HONE | 10.7% NII/revenue growth vs CFBK's 3.1% |
| Value | CFBK | Lower P/E (7.5x vs 13.3x) |
| Quality / Margins | CFBK | Efficiency ratio 0.2% vs HONE's 0.4% (lower = leaner) |
| Stability / Safety | CFBK | Beta 0.41 vs HONE's 1.05, lower leverage |
| Dividends | HONE | 2.6% yield, 5-year raise streak, vs CFBK's 1.1% |
| Momentum (1Y) | CFBK | +16.7% vs HONE's +7.9% |
| Efficiency (ROA) | CFBK | Efficiency ratio 0.2% vs HONE's 0.4% |
CFBK vs HONE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCFBKLAGGINGHONE
HONEHarborOne Bancorp, In…
1leads
CFBKCF Bankshares Inc.
4leads
6 Total Categories
CATEGORYLEADERvs HONEMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CFBK4/5
Valuation MetricsMultiples, price ratios, and targets
CFBK5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CFBK8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CFBK5/5
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
HONE1/1
Income & Cash Flow (Last 12 Months)
CFBK leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HONE is the larger business by revenue, generating $314M annually — 2.5x CFBK's $126M. Profitability is closely matched — net margins range from 13.5% (CFBK) to 8.7% (HONE).
| Metric | CFBKCF Bankshares Inc. | HONEHarborOne Bancorp… |
|---|---|---|
| RevenueTrailing 12 months | $126M | $314M |
| EBITDAEarnings before interest/tax | $22M | $37M |
| Net IncomeAfter-tax profit | $17M | $26M |
| Free Cash FlowCash after capex | $18M | $46M |
| Gross MarginGross profit ÷ Revenue | +41.8% | +50.9% |
| Operating MarginEBIT ÷ Revenue | +17.1% | +10.9% |
| Net MarginNet income ÷ Revenue | +13.5% | +8.7% |
| FCF MarginFCF ÷ Revenue | +14.5% | +0.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +29.4% | +11.1% |
CFBK leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
CFBK leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 10.2x trailing earnings, CFBK trades at a 45% valuation discount to HONE's 18.3x P/E. On an enterprise value basis, CFBK's 1.8x EV/EBITDA is more attractive than HONE's 20.8x.
| Metric | CFBKCF Bankshares Inc. | HONEHarborOne Bancorp… |
|---|---|---|
| Market CapShares × price | $176M | $522M |
| Enterprise ValueMkt cap + debt − cash | $39M | $808M |
| Trailing P/EPrice ÷ TTM EPS | 10.17x | 18.33x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.48x | 13.30x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.23x |
| EV / EBITDAEnterprise value multiple | 1.81x | 20.84x |
| Price / SalesMarket cap ÷ Revenue | 1.40x | 1.66x |
| Price / BookPrice ÷ Book value/share | 0.94x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 9.67x | 200.70x |
CFBK leads this category, winning 5 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 $5 for HONE. CFBK carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to HONE's 0.90x. On the Piotroski fundamental quality scale (0–9), CFBK scores 7/9 vs HONE's 6/9, reflecting strong financial health.
| Metric | CFBKCF Bankshares Inc. | HONEHarborOne Bancorp… |
|---|---|---|
| ROE (TTM)Return on equity | +9.6% | +4.6% |
| ROA (TTM)Return on assets | +0.8% | +0.5% |
| ROICReturn on invested capital | +5.5% | +2.3% |
| ROCEReturn on capital employed | +1.8% | +3.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.66x | 0.90x |
| Net DebtTotal debt minus cash | -$137M | $285M |
| Cash & Equiv.Liquid assets | $259M | $231M |
| Total DebtShort + long-term debt | $122M | $517M |
| Interest CoverageEBIT ÷ Interest expense | 0.33x | 0.24x |
CFBK leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CFBK leads this category, winning 5 of 5 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 $9,418 for HONE. Over the past 12 months, CFBK leads with a +16.7% total return vs HONE's +7.9%. The 3-year compound annual growth rate (CAGR) favors CFBK at 20.9% vs HONE's 16.7% — a key indicator of consistent wealth creation.
| Metric | CFBKCF Bankshares Inc. | HONEHarborOne Bancorp… |
|---|---|---|
| YTD ReturnYear-to-date | +12.3% | — |
| 1-Year ReturnPast 12 months | +16.7% | +7.9% |
| 3-Year ReturnCumulative with dividends | +76.8% | +58.9% |
| 5-Year ReturnCumulative with dividends | +42.6% | -5.8% |
| 10-Year ReturnCumulative with dividends | +291.5% | +88.3% |
| CAGR (3Y)Annualised 3-year return | +20.9% | +16.7% |
CFBK leads this category, winning 5 of 5 comparable metrics.
Risk & Volatility
Evenly matched — CFBK and HONE 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 HONE's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HONE currently trades 84.7% 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. | HONEHarborOne Bancorp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.41x | 1.05x |
| 52-Week HighHighest price in past year | $34.34 | $14.29 |
| 52-Week LowLowest price in past year | $22.10 | $10.57 |
| % of 52W HighCurrent price vs 52-week peak | +79.7% | +84.7% |
| RSI (14)Momentum oscillator 0–100 | 27.6 | 32.5 |
| Avg Volume (50D)Average daily shares traded | 38K | 0 |
Evenly matched — CFBK and HONE each lead in 1 of 2 comparable metrics.
Analyst Outlook
HONE leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates CFBK as "Buy" and HONE as "Hold". Consensus price targets imply 15.7% upside for HONE (target: $14) vs 6.0% for CFBK (target: $29). For income investors, HONE offers the higher dividend yield at 2.61% vs CFBK's 1.12%.
| Metric | CFBKCF Bankshares Inc. | HONEHarborOne Bancorp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $29.00 | $14.00 |
| # AnalystsCovering analysts | 1 | 6 |
| Dividend YieldAnnual dividend ÷ price | +1.1% | +2.6% |
| Dividend StreakConsecutive years of raises | 5 | 5 |
| Dividend / ShareAnnual DPS | $0.31 | $0.32 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +4.1% |
HONE leads this category, winning 1 of 1 comparable metric.
Key Takeaway
CFBK leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). HONE leads in 1 (Analyst Outlook). 1 tied.
Best OverallCF Bankshares Inc. (CFBK)Leads 4 of 6 categories
Loading custom metrics...
CFBK vs HONE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CFBK or HONE a better buy right now?
For growth investors, HarborOne Bancorp, Inc.
(HONE) is the stronger pick with 10. 7% 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 HONE?
On trailing P/E, CF Bankshares Inc.
(CFBK) is the cheapest at 10. 2x versus HarborOne Bancorp, Inc. at 18. 3x. On forward P/E, CF Bankshares Inc. is actually cheaper at 7. 5x.
03Which is the better long-term investment — CFBK or HONE?
Over the past 5 years, CF Bankshares Inc.
(CFBK) delivered a total return of +42. 6%, compared to -5. 8% for HarborOne Bancorp, Inc. (HONE). Over 10 years, the gap is even starker: CFBK returned +291. 5% versus HONE's +88. 3%. 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 HONE?
By beta (market sensitivity over 5 years), CF Bankshares Inc.
(CFBK) is the lower-risk stock at 0. 41β versus HarborOne Bancorp, Inc. 's 1. 05β — meaning HONE is approximately 155% 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 90% for HarborOne Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CFBK or HONE?
By revenue growth (latest reported year), HarborOne Bancorp, Inc.
(HONE) is pulling ahead at 10. 7% versus 3. 1% for CF Bankshares Inc. (CFBK). On earnings-per-share growth, the picture is similar: HarborOne Bancorp, Inc. grew EPS 78. 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 HONE?
CF Bankshares Inc.
(CFBK) is the more profitable company, earning 13. 5% net margin versus 8. 7% for HarborOne Bancorp, Inc. — 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 10. 9% for HONE. At the gross margin level — before operating expenses — HONE leads at 50. 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 HONE more undervalued right now?
On forward earnings alone, CF Bankshares Inc.
(CFBK) trades at 7. 5x forward P/E versus 13. 3x for HarborOne Bancorp, Inc. — 5. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HONE: 15. 7% to $14. 00.
08Which pays a better dividend — CFBK or HONE?
All stocks in this comparison pay dividends.
HarborOne Bancorp, Inc. (HONE) offers the highest yield at 2. 6%, versus 1. 1% for CF Bankshares Inc. (CFBK).
09Is CFBK or HONE 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%, HONE: +88. 3%), 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 HONE?
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; HONE is a small-cap quality compounder 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(CFBK: 3.1% · HONE: 10.7%)Net Margin>
%
(CFBK: 13.5% · HONE: 8.7%)P/E Ratio<
x
(CFBK: 10.2x · HONE: 18.3x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.