PCB vs. CFBK

Last updated Jun 4, 2026

PCB (PCB Bancorp) and CFBK (CF Bankshares Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, PCB returned 11.19%/yr vs 15.45%/yr for CFBK. At a 0.09 correlation, their price movements are largely independent.

Performance

PCB vs. CFBK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in PCB Bancorp (PCB) and CF Bankshares Inc. (CFBK). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PCB achieves a 12.92% return, which is significantly lower than CFBK's 14.44% return. Over the past 10 years, PCB has underperformed CFBK with an annualized return of 11.19%, while CFBK has yielded a comparatively higher 15.45% annualized return.

PCB

• 1D: -2.12%
• 1M: 0.47%
• YTD: 12.92%
• 6M: 10.82%
• 1Y: 28.57%
• 3Y*: 21.37%
• 5Y*: 11.68%
• 10Y*: 11.19%

CFBK

• 1D: -1.53%
• 1M: 2.16%
• YTD: 14.44%
• 6M: 20.22%
• 1Y: 20.21%
• 3Y*: 23.72%
• 5Y*: 9.03%
• 10Y*: 15.45%

*Multi-year figures are annualized to reflect compound growth (CAGR)

PCB vs. CFBK - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
PCB PCB Bancorp	12.92%	11.21%	14.55%	8.85%	-17.05%	122.72%	-39.25%	12.06%	1.69%	20.28%
CFBK CF Bankshares Inc.	14.44%	-1.00%	32.62%	-6.73%	4.07%	16.85%	27.08%	19.33%	-23.06%	57.14%

Correlation

The correlation between PCB and CFBK is 0.42, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.42
Correlation (3Y) Calculated over the trailing 3-year period	0.27
Correlation (5Y) Calculated over the trailing 5-year period	0.19
Correlation (10Y) Calculated over the trailing 10-year period	0.12
Correlation (All Time) Calculated using the full available price history since Jun 5, 2014	0.09

Over the past year, PCB and CFBK have become more correlated (0.42) than their long-term average of 0.09, meaning their price movements have been converging.

Fundamentals

Market Cap PCB : $341.72M CFBK : $178.96M
EPS PCB : $2.82 CFBK : $2.78
PE Ratio PCB : 8.50 CFBK : 10.19
PEG Ratio PCB : 3.12 CFBK : 26.23
PS Ratio PCB : 1.64 CFBK : 1.46
PB Ratio PCB : 1.04 CFBK : 0.95
Total Revenue (TTM) PCB : $208.73M CFBK : $123.25M
Gross Profit (TTM) PCB : $86.42M CFBK : $38.77M
EBITDA (TTM) PCB : $43.83M CFBK : $16.18M

Return for Risk

PCB vs. CFBK — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PCB

PCB Risk / Return Rank: 73
PCB Sharpe Ratio Rank: 74
PCB Sortino Ratio Rank: 70
PCB Omega Ratio Rank: 66
PCB Calmar Ratio Rank: 79
PCB Martin Ratio Rank: 78

CFBK

CFBK Risk / Return Rank: 65
CFBK Sharpe Ratio Rank: 69
CFBK Sortino Ratio Rank: 65
CFBK Omega Ratio Rank: 64
CFBK Calmar Ratio Rank: 62
CFBK Martin Ratio Rank: 63

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PCB vs. CFBK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for PCB Bancorp (PCB) and CF Bankshares Inc. (CFBK). 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.

	PCB	CFBK	Difference
Sharpe ratio Return per unit of total volatility	1.12	0.89	+0.23
Sortino ratio Return per unit of downside risk	1.73	1.49	+0.24
Omega ratio Gain probability vs. loss probability	1.20	1.19	+0.01
Calmar ratio Return relative to maximum drawdown	2.52	1.04	+1.48
Martin ratio Return relative to average drawdown	5.67	2.36	+3.30
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PCB vs. CFBK - Sharpe Ratio Comparison

The current PCB Sharpe Ratio is 1.12, which is comparable to the CFBK Sharpe Ratio of 0.89. The chart below compares the historical Sharpe Ratios of PCB and CFBK, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	PCB	CFBK	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.12	0.89	+0.23
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.39	0.31	+0.09
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.34	0.44	-0.10
Sharpe Ratio (All Time) Calculated using the full available price history	0.29	-0.08	+0.37

Drawdowns

PCB vs. CFBK - Drawdown Comparison

The maximum PCB drawdown since its inception was -60.93%, smaller than the maximum CFBK drawdown of -98.31%. Use the drawdown chart below to compare losses from any high point for PCB and CFBK.

Drawdown Indicators

	PCB	CFBK	Difference
Max Drawdown Largest peak-to-trough decline	-60.93%	-98.31%	+37.38%
Max Drawdown (1Y) Largest decline over 1 year	-11.39%	-19.45%	+8.06%
Max Drawdown (3Y) Largest decline over 3 years	-22.84%	-33.46%	+10.62%
Max Drawdown (5Y) Largest decline over 5 years	-46.49%	-37.26%	-9.23%
Max Drawdown (10Y) Largest decline over 10 years	-60.93%	-44.71%	-16.22%
Current Drawdown Current decline from peak	-3.42%	-91.68%	+88.26%
Average Drawdown Average peak-to-trough decline	-18.43%	-71.31%	+52.88%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.06%	8.57%	-3.51%

Volatility

PCB vs. CFBK - Volatility Comparison

PCB Bancorp (PCB) and CF Bankshares Inc. (CFBK) have volatilities of 6.14% and 5.99%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PCB	CFBK	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.14%	5.99%	+0.15%
Volatility (6M) Calculated over the trailing 6-month period	17.81%	19.98%	-2.17%
Volatility (1Y) Calculated over the trailing 1-year period	25.68%	22.88%	+2.80%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.81%	29.42%	+0.39%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	33.37%	35.51%	-2.14%

Dividends

PCB vs. CFBK - Dividend Comparison

PCB's dividend yield for the trailing twelve months is around 3.50%, more than CFBK's 1.20% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CFBK CF Bankshares Inc.	1.20%	1.20%	0.98%	1.18%	0.85%	0.63%	0.17%	0.00%	0.00%	0.00%	0.00%	0.00%
PCB PCB Bancorp	3.50%	3.70%	3.56%	3.74%	3.39%	2.00%	3.96%	1.45%	0.77%	0.77%	0.92%	0.70%

Financials

PCB vs. CFBK - Profitability Comparison

The chart below illustrates the profitability comparison between PCB Bancorp and CF Bankshares Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PCB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported a gross profit of 0.00 and revenue of 48.83M. Therefore, the gross margin over that period was 0.0%.

CFBK - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a gross profit of 0.00 and revenue of 28.13M. Therefore, the gross margin over that period was 0.0%.

PCB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported an operating income of 0.00 and revenue of 48.83M, resulting in an operating margin of 0.0%.

CFBK - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported an operating income of 0.00 and revenue of 28.13M, resulting in an operating margin of 0.0%.

PCB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PCB Bancorp reported a net income of 10.65M and revenue of 48.83M, resulting in a net margin of 21.8%.

CFBK - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a net income of 4.87M and revenue of 28.13M, resulting in a net margin of 17.3%.

Frequently Asked Questions

Can I hold both PCB and CFBK in my portfolio?

PCB and CFBK have a correlation of 0.42, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PCB or CFBK?

PCB has higher volatility (6.14%) compared to CFBK (5.99%). In terms of maximum drawdown, PCB dropped -60.93% vs CFBK's -98.31%.

Which has better risk-adjusted returns?

PCB currently has the higher Sharpe Ratio (1.12 vs 0.89), 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.