CF Bankshares vs National Bankshares
CF Bankshares and National Bankshares are similar in size: $61.0m and $55.6m of revenue in their latest fiscal years. National Bankshares grew faster (22.5% against 17.6%). CF Bankshares kept more of each dollar of sales as profit: a net margin of 28.8% against 28.5%.
| Latest fiscal year | CF BanksharesCFBK, 2025 | National BanksharesNKSH, 2025 |
|---|---|---|
| Revenue | $61.0m | $55.6m |
| Revenue growth | 17.6% | 22.5% |
| Net income | $17.5m | $15.8m |
| Operating margin | — | — |
| Net margin | 28.8% | 28.5% |
| Return on equity | 9.9% | 9.3% |
| Free cash flow | $18.2m | $15.2m |
| Cash | $259m | $59.3m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.30 | $1.51 |
| Dividend yield | 1.0% | — |
| Share buybacks | $1.3m | — |
| Employees | 98 | 243 |
| Market value | $224m | $255m |
| Price vs our value range | — | — |
| Moat score | 68 (Moderate) | 80 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 0 sales |