Financial Contrast: Cib Marine Bancshares (OTCMKTS:CIBH) vs. CF Bankshares (NASDAQ:CFBK)

Cib Marine Bancshares (OTCMKTS:CIBH) and CF Bankshares (NASDAQ:CFBK) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, institutional ownership, valuation, profitability, earnings, analyst recommendations and dividends.

Institutional and Insider Ownership

41.1% of CF Bankshares shares are held by institutional investors. 21.0% 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 stock is poised for long-term growth.

Earnings & Valuation

This table compares Cib Marine Bancshares and CF Bankshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cib Marine Bancshares	$50.14 million	1.11	$1.56 million	$1.12	35.71
CF Bankshares	$125.92 million	1.57	$17.54 million	$2.69	11.52

CF Bankshares has higher revenue and earnings than Cib Marine Bancshares. CF Bankshares is trading at a lower price-to-earnings ratio than Cib Marine Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Cib Marine Bancshares and CF Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cib Marine Bancshares	N/A	N/A	N/A
CF Bankshares	13.82%	9.87%	0.82%

Risk & Volatility

Cib Marine Bancshares has a beta of 0.27, indicating that its stock price is 73% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Cib Marine Bancshares and CF Bankshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cib Marine Bancshares	0	0	0	0	0.00
CF Bankshares	0	2	1	0	2.33

CF Bankshares has a consensus target price of $29.00, suggesting a potential downside of 6.42%. Given CF Bankshares’ stronger consensus rating and higher probable upside, analysts clearly believe CF Bankshares is more favorable than Cib Marine Bancshares.

Summary

CF Bankshares beats Cib Marine Bancshares on 13 of the 14 factors compared between the two stocks.

About Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.

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.