Cincinnati Bancorp (NASDAQ:CNNB – Get Rating) and TFS Financial (NASDAQ:TFSL – Get Rating) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, profitability, valuation, analyst recommendations, earnings, risk and institutional ownership.
Volatility and Risk
Cincinnati Bancorp has a beta of 0.37, meaning that its stock price is 63% less volatile than the S&P 500. Comparatively, TFS Financial has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.
Institutional and Insider Ownership
18.7% of Cincinnati Bancorp shares are held by institutional investors. Comparatively, 8.6% of TFS Financial shares are held by institutional investors. 17.7% of Cincinnati Bancorp shares are held by insiders. Comparatively, 1.2% of TFS Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cincinnati Bancorp | 0 | 0 | 0 | 0 | N/A |
| TFS Financial | 0 | 0 | 0 | 0 | N/A |
TFS Financial has a consensus price target of $19.00, suggesting a potential upside of 56.64%. Given TFS Financial’s higher probable upside, analysts clearly believe TFS Financial is more favorable than Cincinnati Bancorp.
Valuation and Earnings
This table compares Cincinnati Bancorp and TFS Financial’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cincinnati Bancorp | $17.77 million | 2.35 | $1.65 million | N/A | N/A |
| TFS Financial | $433.14 million | 7.85 | $74.57 million | $0.29 | 41.83 |
TFS Financial has higher revenue and earnings than Cincinnati Bancorp.
Profitability
This table compares Cincinnati Bancorp and TFS Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Cincinnati Bancorp | 10.36% | 3.92% | 0.60% |
| TFS Financial | 16.90% | 4.42% | 0.52% |
Summary
TFS Financial beats Cincinnati Bancorp on 7 of the 10 factors compared between the two stocks.
About Cincinnati Bancorp
Cincinnati Bancorp, Inc. is a bank holding company, which engages in the provision of personal banking, lending, and business banking services. It operates principally through its wholly-owned subsidiary, Cincinnati Federal. The company was founded in 1922 and is headquartered in Cincinnati, OH.
About TFS Financial
TFS Financial Corp. is a holding company, which engages in the provision of retail consumer banking services. It offers mortgage lending, deposit gathering, and other insignificant financial services. The company was founded in 1938 and is headquartered in Cleveland, OH.
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