` Comparison: CFBK, FNMA - Alpha Spread

CFBK
vs
FNMA

Over the past 12 months, CFBK has underperformed FNMA, delivering a return of -11% compared to the FNMA's +298% growth.

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CFBK
FNMA
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Stocks Compared:
CFBK FNMA
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Valuation Comparison

CFBK Intrinsic Value
41.83 USD
Undervaluation 43%
Intrinsic Value
Price
FNMA Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
CF Bankshares Inc
NASDAQ:CFBK
23.93 USD
Federal National Mortgage Association
OTC:FNMA
10.74 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CFBK, FNMA

CFBK
FNMA
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
CF Bankshares Inc
Revenue
Federal National Mortgage Association
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CFBK, FNMA

CFBK
FNMA
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
CF Bankshares Inc
NASDAQ:CFBK
FCF is not applicable for financial companies
Federal National Mortgage Association
OTC:FNMA
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What is Free Cash Flow?

Gross Margin

CFBK
FNMA
15.9%
LTM 3Y Avg 5Y Avg 10Y Avg
CF Bankshares Inc
Not applicable for financial companies
Federal National Mortgage Association

Operating Margin

CFBK
FNMA
11.2%
LTM 3Y Avg 5Y Avg 10Y Avg
CF Bankshares Inc
Not applicable for financial companies
Federal National Mortgage Association

Net Margin

CFBK
26.6%
FNMA
0%

FCF Margin

CFBK
FNMA
3.6%
LTM 3Y Avg 5Y Avg 10Y Avg
CF Bankshares Inc
Not applicable for financial companies
Federal National Mortgage Association

ROE

CFBK
9.2%
FNMA
0%

ROA

CFBK
0.8%
FNMA
0%

ROIC

CFBK
FNMA
0.3%
LTM 3Y Avg 5Y Avg 10Y Avg
CF Bankshares Inc
Not applicable for financial companies
Federal National Mortgage Association

ROCE

CFBK
FNMA
0.4%
LTM 3Y Avg 5Y Avg 10Y Avg
CF Bankshares Inc
Not applicable for financial companies
Federal National Mortgage Association

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CFBK, FNMA

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FNMA
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Performance Gap
CFBK, FNMA

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CFBK
FNMA
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CFBK, FNMA

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FNMA
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