Madison County Financial (OTCMKTS:MCBK) vs. Central Federal (OTCMKTS:CFBK) Critical Survey

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

Analyst Ratings

This is a breakdown of current recommendations and price targets for Madison County Financial and Central Federal, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Madison County Financial 0 0 0 0 N/A
Central Federal 0 0 0 0 N/A

Volatility and Risk

Madison County Financial has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, Central Federal has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500.

Dividends

Madison County Financial pays an annual dividend of $0.51 per share and has a dividend yield of 1.9%. Central Federal does not pay a dividend.

Profitability

This table compares Madison County Financial and Central Federal’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Madison County Financial 27.40% 7.41% 1.33%
Central Federal 17.47% 13.45% 0.93%

Institutional and Insider Ownership

24.2% of Central Federal shares are held by institutional investors. 16.9% of Madison County Financial shares are held by company insiders. Comparatively, 18.6% of Central Federal shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Madison County Financial and Central Federal’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Madison County Financial $19.41 million 3.60 $5.58 million N/A N/A
Central Federal $27.60 million 1.95 $4.27 million N/A N/A

Madison County Financial has higher earnings, but lower revenue than Central Federal.

Summary

Madison County Financial beats Central Federal on 6 of the 11 factors compared between the two stocks.

Madison County Financial Company Profile

Madison County Financial, Inc. operates as the holding company for Madison County Bank, provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers deposits, such as checking accounts, savings accounts, and certificates of deposit, and time deposits; debt securities; and debit cards. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; real estate, construction, investment property, and working capital loans, as well as equipment financing; residential mortgage loans, including conventional, portfolio, and construction home loans; government loans; home equity lines of credit; second mortgages; and home improvement, automobiles, trucks and vans, recreational vehicles, and personal loans, as well as overdraft protection services. In addition, it provides online banking, such as mobile banking and deposit, bill pay, and estatement services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.

Central Federal Company Profile

Central Federal Corporation 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, 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. As of December 31, 2018, it operated five branch offices located in Franklin, Hamilton, Summit, and Columbiana Counties; and a loan production office located in Franklin County; 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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