CF Bankshares Inc. (CFBK) vs OP Bancorp (OPBK)
A side-by-side comparison of CF Bankshares Inc. and OP Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CFBK vs OPBK
growth of $100 · dividends reinvested · last 10yCFBK vs OPBK: by the numbers
- •OPBK is the larger company ($227M vs $223M market cap).
- •OPBK trades at the lower trailing earnings multiple (7.90 vs 11.88 P/E), one valuation lens rather than an overall verdict.
- •OPBK converts more revenue to profit (16.87% vs 15.10% net margin).
- •OPBK grew revenue faster over the past five years (20.73% vs 5.88% CAGR).
- •OPBK pays the higher dividend yield (3.41% vs 1.01%).
Metrics side by side
Valuation
| Metric | CFBK | OPBK |
|---|---|---|
| P/E ratio | 11.88 | 7.90 |
| Forward P/E | 9.69 | 7.58 |
| PEG ratio | N/A | 0.52 |
| P/S ratio | 1.78 | 1.32 |
| P/B ratio | 1.15 | 0.95 |
Profitability
| Metric | CFBK | OPBK |
|---|---|---|
| Operating margin | 18.20% | 23.37% |
| Net margin | 15.10% | 16.87% |
| ROE | 9.69% | 12.14% |
CF Bankshares Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
OP Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CFBK | OPBK |
|---|---|---|
| Dividend yield | 1.01% | 3.41% |
| Payout ratio | 12.03% | 26.94% |
Growth (annualized)
| Metric | CFBK | OPBK |
|---|---|---|
| Revenue CAGR (5Y) | 5.88% | 20.73% |
| EPS CAGR (5Y) | -9.83% | 15.14% |
| Total return CAGR (5Y) | 12.98% | 12.46% |
Frequently asked
- Which has the lower trailing P/E, CFBK or OPBK?
- OPBK has the lower trailing P/E: CFBK trades at 11.88 and OPBK at 7.90. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CFBK or OPBK?
- Over the past five years, OPBK grew revenue faster — CFBK at a 5.88% CAGR versus OPBK at 20.73%.
- Does CFBK or OPBK pay a bigger dividend?
- CFBK yields 1.01% and OPBK yields 3.41% based on trailing dividends and the latest price.
- Is CFBK or OPBK more profitable?
- OPBK runs the higher net margin — CFBK at 15.10% versus OPBK at 16.87%.
- How have CFBK and OPBK total returns compared?
- Over the past 10 years, CFBK delivered 17.13% and OPBK delivered 12.62% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CF Bankshares & OP Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.