BOK Financial (NASDAQ:BOKF) vs. CF Bankshares (NASDAQ:CFBK) Head-To-Head Survey

CF Bankshares (NASDAQ:CFBK) and BOK Financial (NASDAQ:BOKF) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, dividends, risk and earnings.

Volatility & Risk

CF Bankshares has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500. Comparatively, BOK Financial has a beta of 1.2, suggesting that its stock price is 20% more volatile than the S&P 500.

Profitability

This table compares CF Bankshares and BOK Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CF Bankshares	10.63%	8.20%	0.64%
BOK Financial	13.78%	9.67%	1.02%

Analyst Recommendations

This is a breakdown of current ratings and price targets for CF Bankshares and BOK Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CF Bankshares	0	0	0	0	0.00
BOK Financial	0	6	4	0	2.40

BOK Financial has a consensus target price of $114.40, suggesting a potential upside of 1.25%. Given BOK Financial’s stronger consensus rating and higher probable upside, analysts clearly believe BOK Financial is more favorable than CF Bankshares.

Earnings and Valuation

This table compares CF Bankshares and BOK Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CF Bankshares	$112.31 million	1.04	$16.94 million	$2.03	11.26
BOK Financial	$3.13 billion	2.31	$530.75 million	$7.27	15.54

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

Insider and Institutional Ownership

41.1% of CF Bankshares shares are held by institutional investors. Comparatively, 34.4% of BOK Financial shares are held by institutional investors. 19.7% of CF Bankshares shares are held by company insiders. Comparatively, 59.7% of BOK Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Dividends

CF Bankshares pays an annual dividend of $0.28 per share and has a dividend yield of 1.2%. BOK Financial pays an annual dividend of $2.28 per share and has a dividend yield of 2.0%. CF Bankshares pays out 13.8% of its earnings in the form of a dividend. BOK Financial pays out 31.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BOK Financial has raised its dividend for 20 consecutive years. BOK Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

BOK Financial beats CF Bankshares on 15 of the 17 factors compared between the two stocks.

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.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.