Critical Review: Logansport Financial (LOGN) and Central Federal (CFBK)

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

Dividends

Logansport Financial pays an annual dividend of $1.40 per share and has a dividend yield of 3.4%. Central Federal does not pay a dividend.

Insider and Institutional Ownership

26.4% of Central Federal shares are held by institutional investors. 17.4% of Logansport Financial shares are held by insiders. Comparatively, 18.2% of Central Federal shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current recommendations for Logansport Financial and Central Federal, as reported by MarketBeat.

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

Profitability

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

Net Margins Return on Equity Return on Assets
Logansport Financial 27.67% N/A N/A
Central Federal 15.48% 10.08% 0.76%

Valuation and Earnings

This table compares Logansport Financial and Central Federal’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Logansport Financial $7.86 million 3.23 $1.99 million N/A N/A
Central Federal $27.60 million 1.99 $4.27 million N/A N/A

Central Federal has higher revenue and earnings than Logansport Financial.

Volatility & Risk

Logansport Financial has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, Central Federal has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500.

Summary

Central Federal beats Logansport Financial on 8 of the 11 factors compared between the two stocks.

Logansport Financial Company Profile

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank, FSB that provides a range of banking and financial services to individual and corporate customers primarily in the Cass County, Indiana. Its personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage loans, loans for single family and multi-family dwellings, home improvement loans, construction loans, commercial buildings loans, farm loans, consumer loans, education loans, and car loans; and Internet and mobile banking services. The company also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, money market accounts and certificates, remote deposit banking, and e-statements; and business Internet banking services. In addition, it offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, equipment leasing, commercial letters of credit, and guaranteed loans, as well as agricultural loans. The company was founded in 1925 and is based in Logansport, Indiana.

Central Federal Company Profile

Central Federal Corporation operates as the bank holding company for CFBank that provides various financial 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. It operates through four branch offices located in Summit, Columbiana, Hamilton, and Franklin Counties; 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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