CFBK vs. HBNC
CFBK (CF Bankshares Inc.) and HBNC (Horizon Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, CFBK returned 17.91%/yr vs 9.18%/yr for HBNC. Their 0.06 correlation means their historical movements had little consistent relationship.
Performance
CFBK vs. HBNC - Performance Comparison
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Returns By Period
In the year-to-date period, CFBK achieves a 43.85% return, which is significantly higher than HBNC's 23.87% return. Over the past 10 years, CFBK has outperformed HBNC with an annualized return of 17.91%, while HBNC has yielded a comparatively lower 9.18% annualized return.
CFBK
- 1D
- -0.71%
- 1M
- 12.00%
- 6M
- 22.88%
- YTD
- 43.85%
- 1Y
- 53.24%
- 3Y*
- 27.83%
- 5Y*
- 15.31%
- 10Y*
- 17.91%
- ALL TIME*
- -3.91%
HBNC
- 1D
- -0.63%
- 1M
- 3.39%
- 6M
- 18.10%
- YTD
- 23.87%
- 1Y
- 41.38%
- 3Y*
- 24.42%
- 5Y*
- 8.70%
- 10Y*
- 9.18%
- ALL TIME*
- 10.78%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $2.63M | $2.38M | $2.14M | |
| $16.16M | $13.52M | $11.83M |
CFBK vs. HBNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 43.85% | -1.00% | 32.62% | -6.73% | 4.07% | 16.85% | 27.08% | 19.33% | -23.06% | 57.14% |
HBNC Horizon Bancorp, Inc. | 23.87% | 9.76% | 18.19% | 0.43% | -25.26% | 35.43% | -12.86% | 23.69% | -13.14% | 1.06% |
Correlation
The correlation between CFBK and HBNC is 0.51, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.51 |
Correlation (3Y) Balances recent behavior with more history. | 0.29 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.20 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.15 |
Correlation (All Time) Calculated using the full available price history since Dec 17, 2001 | 0.06 |
Over the past year, CFBK and HBNC have become more correlated (0.51) than their long-term average of 0.06, meaning their price movements have been converging.
Fundamentals
CFBK:
$228.79M
HBNC:
$1.05B
CFBK:
$2.94
HBNC:
-$2.86
CFBK:
0.53
HBNC:
0.56
CFBK:
$123.01M
HBNC:
-$5.09M
CFBK:
$39.01M
HBNC:
-$86.58M
CFBK:
$15.80M
HBNC:
-$210.22M
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Return for Risk
CFBK vs. HBNC — Risk / Return Rank
CFBK
HBNC
CFBK vs. HBNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for CF Bankshares Inc. (CFBK) and Horizon Bancorp, Inc. (HBNC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFBK | HBNC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.73 | ||
| Sortino ratioReturn per unit of downside risk | +1.11 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.25 | +0.14 |
| Calmar ratioReturn relative to maximum drawdown | 2.72 | 2.23 | +0.48 |
| Martin ratioReturn relative to average drawdown | 5.93 | 6.70 | -0.77 |
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Drawdowns
CFBK vs. HBNC - Drawdown Comparison
The maximum CFBK drawdown since its inception was -98.31%, which is greater than HBNC's maximum drawdown of -65.21%. Use the drawdown chart below to compare losses from any high point for CFBK and HBNC.
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Drawdown Indicators
| CFBK | HBNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.31% | -65.21% | -33.10% |
Max Drawdown (1Y)Largest decline over 1 year | -19.45% | -16.65% | -2.80% |
Max Drawdown (3Y)Largest decline over 3 years | -33.46% | -29.61% | -3.85% |
Max Drawdown (5Y)Largest decline over 5 years | -37.26% | -65.21% | +27.95% |
Max Drawdown (10Y)Largest decline over 10 years | -44.71% | -65.21% | +20.50% |
Current DrawdownCurrent decline from peak | -89.54% | -1.26% | -88.28% |
Average DrawdownAverage peak-to-trough decline | -71.41% | -17.05% | -54.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.89% | 5.54% | +3.35% |
Volatility
CFBK vs. HBNC - Volatility Comparison
CF Bankshares Inc. (CFBK) has a higher volatility of 8.40% compared to Horizon Bancorp, Inc. (HBNC) at 6.41%. This indicates that CFBK's price experiences larger fluctuations and is considered to be riskier than HBNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFBK | HBNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.40% | 6.41% | +1.99% |
Volatility (6M)Calculated over the trailing 6-month period | 18.96% | 17.05% | +1.91% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.20% | 27.32% | -2.12% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.64% | 35.54% | -5.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.56% | 36.88% | -1.32% |
Dividends
CFBK vs. HBNC - Dividend Comparison
CFBK's dividend yield for the trailing twelve months is around 0.98%, less than HBNC's 3.13% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 0.98% | 1.20% | 0.98% | 1.18% | 0.85% | 0.63% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
HBNC Horizon Bancorp, Inc. | 3.13% | 3.77% | 3.97% | 4.47% | 4.11% | 2.54% | 3.03% | 2.32% | 2.45% | 1.73% | 1.43% | 1.54% |
Financials
CFBK vs. HBNC - Financials Comparison
This section allows you to compare key financial metrics between CF Bankshares Inc. and Horizon Bancorp, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
CFBK and HBNC have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFBK has higher volatility (8.40%) compared to HBNC (6.41%). In terms of maximum drawdown, CFBK dropped -98.31% vs HBNC's -65.21%.
CFBK currently has the higher Sharpe Ratio (2.10 vs 1.36), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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