Comparing First of Long Island (NASDAQ:FLIC) and CF Bankshares (NASDAQ:CFBK)

First of Long Island (NASDAQ:FLIC) and CF Bankshares (NASDAQ:CFBK) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, institutional ownership and profitability.

Dividends

First of Long Island pays an annual dividend of $0.84 per share and has a dividend yield of 8.0%. CF Bankshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. First of Long Island pays out 71.8% of its earnings in the form of a dividend. CF Bankshares pays out 9.2% 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 3 consecutive years.

Valuation & Earnings

This table compares First of Long Island and CF Bankshares’ revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First of Long Island	$161.82 million	1.46	$26.24 million	$1.17	8.97
CF Bankshares	$112.31 million	0.83	$16.94 million	$2.61	7.04

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

Profitability

This table compares First of Long Island and CF Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First of Long Island	16.22%	7.13%	0.62%
CF Bankshares	15.08%	11.34%	0.85%

Risk & Volatility

First of Long Island has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. Comparatively, CF Bankshares has a beta of 0.51, indicating that its stock price is 49% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and recommmendations for First of Long Island and CF Bankshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First of Long Island	0	0	0	0	N/A
CF Bankshares	0	0	0	0	N/A

Insider & Institutional Ownership

48.3% of First of Long Island shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 6.3% of First of Long Island shares are held by company insiders. Comparatively, 18.6% of CF Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

First of Long Island beats CF Bankshares on 8 of the 14 factors compared between the two stocks.

About First of Long Island

The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. The company offers business and small business checking, personal checking, negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market, savings, time deposit, and individual retirement accounts. It also provides commercial and residential mortgage, commercial and industrial, small business credit scored, Small Business Administration, construction and land development, consumer, and home equity lines/loans, as well as standby letters of credit; debit or credit cards; and overdraft facilities. In addition, the company offers life insurance, investment management, trust, estate and custody, retail investment, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services. The First of Long Island Corporation was founded in 1927 and is headquartered in Melville, New York.

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.