Comparing Banco Comercial Portugues (OTCMKTS:BPCGY) & CF Bankshares (NASDAQ:CFBK)

Banco Comercial Portugues (OTCMKTS:BPCGY) and CF Bankshares (NASDAQ:CFBK) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, institutional ownership, analyst recommendations, risk, valuation and profitability.

Institutional and Insider Ownership

41.1% of CF Bankshares shares are held by institutional investors. 17.7% of CF Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Banco Comercial Portugues and CF Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banco Comercial Portugues	N/A	N/A	N/A
CF Bankshares	18.08%	11.76%	1.04%

Valuation and Earnings

This table compares Banco Comercial Portugues and CF Bankshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banco Comercial Portugues	$5.82 billion	3.24	$980.79 million	$0.91	13.98
CF Bankshares	$63.01 million	3.76	$17.54 million	$3.46	10.23

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

Analyst Ratings

This is a summary of recent ratings and recommmendations for Banco Comercial Portugues and CF Bankshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banco Comercial Portugues	0	1	0	1	3.00
CF Bankshares	0	0	2	0	3.00

CF Bankshares has a consensus price target of $40.00, indicating a potential upside of 13.03%. Given CF Bankshares’ higher possible upside, analysts clearly believe CF Bankshares is more favorable than Banco Comercial Portugues.

Risk & Volatility

Banco Comercial Portugues has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500.

Dividends

Banco Comercial Portugues pays an annual dividend of $0.18 per share and has a dividend yield of 1.4%. CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.0%. Banco Comercial Portugues pays out 19.8% of its earnings in the form of a dividend. CF Bankshares pays out 10.4% 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. CF Bankshares has raised its dividend for 4 consecutive years.

Summary

CF Bankshares beats Banco Comercial Portugues on 12 of the 17 factors compared between the two stocks.

About Banco Comercial Portugues

Banco Comercial Português, commonly known as Millennium bcp, is a Portuguese banking group serving individuals, businesses and institutional clients. Its services include deposit accounts, consumer and mortgage lending, payment cards, money transfers, investment and wealth management, and corporate and investment banking. Founded in 1985, the group operates primarily in Portugal. Its international activities include Poland, where it operates through Bank Millennium, and Mozambique, where it has a stake in Banco Comercial e de Investimentos.

About CF Bankshares

CF Bankshares Inc. is a bank holding company for CFBank, a nationally chartered community bank headquartered in Columbus, Ohio. The bank serves customers in Ohio markets through its branch network and digital banking services. CFBank provides commercial, small-business, consumer and mortgage banking. Its offerings include business and real estate loans, deposit accounts, treasury management services, and residential mortgage products. The bank focuses on individuals, professionals, entrepreneurs and businesses, with services designed to support both everyday banking needs and commercial financing.