Analyzing Poage Bankshares (PBSK) & Central Federal (CFBK)

Poage Bankshares (NASDAQ:PBSK) and Central Federal (NASDAQ:CFBK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, profitability, valuation, risk, analyst recommendations and institutional ownership.

Earnings and Valuation

This table compares Poage Bankshares and Central Federal’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Poage Bankshares $21.68 million 4.09 -$2.86 million N/A N/A
Central Federal $17.95 million 3.34 $1.34 million N/A N/A

Central Federal has lower revenue, but higher earnings than Poage Bankshares.

Dividends

Poage Bankshares pays an annual dividend of $0.24 per share and has a dividend yield of 0.9%. Central Federal does not pay a dividend.

Profitability

This table compares Poage Bankshares and Central Federal’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Poage Bankshares -11.01% -3.99% -0.55%
Central Federal 10.97% 8.74% 0.67%

Insider and Institutional Ownership

32.0% of Poage Bankshares shares are owned by institutional investors. Comparatively, 24.0% of Central Federal shares are owned by institutional investors. 11.1% of Poage Bankshares shares are owned by insiders. Comparatively, 18.2% of Central Federal shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Poage Bankshares and Central Federal, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Poage Bankshares 0 0 0 0 N/A
Central Federal 0 0 0 0 N/A

Risk & Volatility

Poage Bankshares has a beta of 0.24, meaning that its share price is 76% less volatile than the S&P 500. Comparatively, Central Federal has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500.

Summary

Central Federal beats Poage Bankshares on 6 of the 10 factors compared between the two stocks.

About Poage Bankshares

Poage Bankshares, Inc. operates as a savings and loan holding company for Town Square Bank that provides financial services to individuals, families, and businesses. The company accepts various deposit products, including savings accounts, NOW and demand accounts, business checking accounts, certificates of deposits, money market accounts, and retirement accounts. It also offers one-to-four family residential mortgage loans; commercial and multi-family real estate loans; commercial and industrial loans; consumer loans comprising new and used automobile and truck loans, recreational vehicle loans, and personal loans; home equity loans and lines of credit; commercial business loans; and construction and land loans. In addition, Poage Bankshares, Inc. purchases investment securities comprising mortgage-backed securities. Further, the company operates automated teller machines; and offers debit cards, and online and mobile banking services. It operates nine offices in northeastern Kentucky; and a loan production office in Cincinnati, Ohio. The company was founded in 1889 and is headquartered in Ashland, Kentucky.

About Central Federal

Central Federal Corporation operates as the bank holding company for CFBank that provides various financial services in the United States. The company accepts savings, retail and business checking, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, automobile loans, home improvement loans, and loans secured by deposits, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and corporate treasury management services. It operates through four branch offices located in Summit, Columbiana, Hamilton, and Franklin Counties; and an agency office located in Cuyahoga County, Ohio. Central Federal Corporation was founded in 1892 and is based in Worthington, Ohio.

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