Comparing Park National (NYSE:PRK) and CF Bankshares (NASDAQ:CFBK)
National Park (NYSE:PRK – Get a rating) and CF Bankshares (NASDAQ: CFBK – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on their risk strength, institutional ownership, analyst recommendations, earnings, profitability, valuation, and dividends.
Park National pays an annual dividend of $4.16 per share and has a dividend yield of 3.5%. CF Bankshares pays an annual dividend of $0.16 per share and has a dividend yield of 0.8%. Park National pays 45.5% of its profits as a dividend. CF Bankshares pays 6.4% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Park National has increased its dividend for 5 consecutive years. Park National is clearly the best dividend stock, given its higher yield and longer track record of dividend growth.
Risk and Volatility
Park National has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500. In comparison, CF Bankshares has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Park National and CF Bankshares.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|National Park||$475.80 million||4.10||$153.95 million||$9.15||13.12|
|CF Banking Stocks||$63.99 million||1.70||$18.45 million||$2.50||8:30 am|
Park National has higher revenues and profits than CF Bankshares. CF Bankshares trades at a lower price-to-earnings ratio than Park National, indicating that it is currently the more affordable of the two stocks.
This table compares the net margins, return on equity and return on assets of Park National and CF Bankshares.
|Net margins||Return on equity||return on assets|
|CF Banking Stocks||28.49%||13.33%||1.12%|
Institutional and Insider Ownership
60.9% of National Park shares are held by institutional investors. By comparison, 33.2% of CF Bankshares shares are held by institutional investors. 2.5% of Park National’s stock is held by insiders. By comparison, 16.7% of CF Bankshares shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.
This is a breakdown of current ratings and target prices for Park National and CF Bankshares, as reported by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|National Park||0||0||0||0||N / A|
|CF Banking Stocks||0||0||0||0||N / A|
Park National beats CF Bankshares on 12 of the 14 factors compared between the two stocks.
About the national park (Get a rating)
Park National Corporation operates as a bank holding company for Park National Bank which provides commercial and trust banking services in small and medium population areas. The company offers deposits for current, savings and term accounts; trust and wealth management services; cash management services; vault operations; electronic funds transfers; Internet and mobile banking solutions with bill payment service; credit card; and various ancillary banking-related services for individuals. It also provides commercial lending, including industrial and commercial property financing, equipment, inventory and accounts receivable financing, acquisition financing and commercial leasing, as well as for the consumption ; commercial real estate loans including mortgage loans to developers and owners of commercial real estate; consumer loans, such as auto loans and leases; consumer credit services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing and asset management services. As of December 31, 2021, it operated 96 financial services offices and a network of 116 ATMs in 26 counties in Ohio, 1 county in Kentucky, 3 counties in North Carolina and 4 counties in South Carolina. The company was founded in 1908 and is based in Newark, Ohio.
About CF Bankshares (Get a rating)
CF Bankshares Inc. operates as a bank holding company for CFBank, the national association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, money market accounts, and certificates of deposit. It also offers single-family mortgages; commercial real estate loans and multi-family residential mortgage loans; business loans; construction and land loans; and 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. In addition, the Company provides internet and mobile banking, remote deposits and cash management deposit services. As of December 31, 2021, it operated five branches located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan origination office located in Franklin County, Ohio. 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 Worthington, Ohio.
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