CFBK vs XYF

Comparison between CF Bankshares Inc (CFBK, Company) and X Financial (XYF, Company).

Both CFBK and XYF are from the Financial Services sector.

5-Year PerformanceCFBK has outperformed XYF, delivering a return of +11.4% compared to -2.5%

CFBK vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CFBK(COMPANY)	XYF(COMPANY)
Market Cap	$190M	$190M
Max Drawdown	98.67%	95.82%
Sharpe Ratio	1.06	-1.57
5Y Beta	0.59	0.75
Industry	Banks - Regional	Credit Services
P/E Ratio	11.27	0.91
Forward P/E	7.86	N/A
PEG Ratio	0.37	0.15
Dividend Yield	1.07%	11.50%
5Y Dividends CAGR	46.87%	N/A
5Y EPS CAGR	13.56%	16.91%
Debt to Equity	0.00%	5.23%
Free Cash Flow Yield	10.91%	N/A
P/S Ratio	3.67	0.02
P/B Ratio	1.03	0.16

Market Cap

CFBK

$190M

Winner

XYF

$190M

Max Drawdown

CFBK

98.67%

Winner

XYF

95.82%

Sharpe Ratio

Winner

CFBK

1.06

XYF

-1.57

5Y Beta

Winner

CFBK

0.59

XYF

0.75

Industry

CFBK

Banks - Regional

XYF

Credit Services

P/E Ratio

CFBK

11.27

Winner

XYF

0.91

Forward P/E

CFBK

7.86

XYF

N/A

PEG Ratio

CFBK

0.37

Winner

XYF

0.15

Dividend Yield

CFBK

1.07%

Winner

XYF

11.50%

5Y Dividends CAGR

CFBK

46.87%

XYF

N/A

5Y EPS CAGR

CFBK

13.56%

Winner

XYF

16.91%

Debt to Equity

Winner

CFBK

0.00%

XYF

5.23%

Free Cash Flow Yield

CFBK

10.91%

XYF

N/A

P/S Ratio

CFBK

3.67

Winner

XYF

0.02

P/B Ratio

CFBK

1.03

Winner

XYF

0.16

CFBK vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	CFBK	XYF
1 month	+16.04%	+4.79%
3 months	+8.65%	+13.37%
6 months	+32.17%	-25.16%
1 year	+32.73%	-71.54%
5 years(CAGR)	+11.36%	-2.52%
10 years(CAGR)	+16.14%	N/A
Max(CAGR)	-5.61%	-20.12%

Winner

CFBK

+16.04%

XYF

+4.79%

CFBK

+8.65%

Winner

XYF

+13.37%

Winner

CFBK

+32.17%

XYF

-25.16%

Winner

CFBK

+32.73%

XYF

-71.54%

5Y(CAGR)

Winner

CFBK

+11.36%

XYF

-2.52%

10Y(CAGR)

CFBK

+16.14%

XYF

N/A

Max(CAGR)

Winner

CFBK

-5.61%

XYF

-20.12%

CFBK vs XYF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CFBK	XYF
2026	+28.29%	-7.81%
2025	+0.34%	-31.04%
2024	+31.27%	+139.08%
2023	-5.94%	+27.81%
2022	+2.21%	-3.51%
2021	+21.67%	+55.15%
2020	+27.09%	-62.12%
2019	+18.22%	-60.19%
2018	-20.16%	-64.33%
2017	+63.69%	N/A
2016	+33.59%	N/A
2015	+1.54%	N/A
2014	-10.95%	N/A
2013	-14.74%	N/A
2012	-55.12%	N/A
2011	-11.43%	N/A
2010	-63.57%	N/A
2009	-53.12%	N/A
2008	-16.48%	N/A
2007	-45.99%	N/A
2006	-1.65%	N/A
2005	-37.76%	N/A
2004	-12.78%	N/A
2003	+77.02%	N/A
2002	-1.21%	N/A
2001	-10.93%	N/A
2000	+35.90%	N/A
1999	+4.73%	N/A

CFBK vs XYF Drawdown Comparison

The maximum drawdown for CFBK was -98.31%, occurring on Mar 15, 2016. This drawdown has not yet recovered.

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current CFBK drawdown is -90.84%. The current XYF drawdown is -82.39%.

Rank	CFBK	XYF
#1	-98.31% Jun 15, 2004 - Mar 15, 2016	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-40.41% Jan 19, 2001 - Sep 26, 2003	N/A
#3	-22.39% Dec 23, 1999 - Aug 9, 2000	N/A
#4	-20.89% Nov 24, 2003 - Jun 14, 2004	N/A
#5	-12.85% Aug 9, 2000 - Oct 13, 2000	N/A
#6	-8.55% Nov 17, 2000 - Dec 29, 2000	N/A
#7	-7.23% Dec 14, 1999 - Dec 22, 1999	N/A
#8	-6.78% Nov 5, 2003 - Nov 17, 2003	N/A
#9	-6.34% Nov 1, 2000 - Nov 17, 2000	N/A
#10	-3.72% Nov 19, 1999 - Dec 2, 1999	N/A
#11	-3.70% Nov 2, 1999 - Nov 12, 1999	N/A
#12	-3.66% Oct 13, 2000 - Oct 27, 2000	N/A
#13	-3.23% Dec 7, 1999 - Dec 14, 1999	N/A
#14	-3.12% Oct 2, 2003 - Nov 4, 2003	N/A
#15	-1.23% Dec 3, 1999 - Dec 7, 1999	N/A

Correlation

Correlation between CFBK and XYF is 0.01 which considered as a very weak or no correlation - the stocks move independently of each other.

0.01

-101

Dividend Comparison (1999 - 2026)

CFBK vs XYF dividend yield comparison.

Year	CFBK	XYF
2026	0.58%	5.57%
2025	1.20%	9.46%
2024	0.98%	4.08%
2023	1.18%	4.64%
2022	0.85%	0.00%
2021	0.63%	0.00%
2020	0.17%	0.00%
2019	0.00%	5.92%
2008	8.39%	0.00%
2007	5.96%	0.00%
2006	4.89%	0.00%
2005	4.59%	0.00%
2004	3.36%	0.00%
2003	1.68%	0.00%
2002	4.80%	0.00%
2001	2.95%	0.00%
2000	54.31%	0.00%
1999	0.44%	0.00%