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CRF vs PFBC

CRF
Cornerstone Total Return Fund, Inc.
NEUTRAL
Price
$7.15
Market Cap
$1.16B
Sector
Financial Services
AI Confidence
80%
PFBC
Preferred Bank
BULLISH
Price
$94.04
Market Cap
$1.15B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CRF
7.01
PFBC
9.03
Forward P/E
CRF
--
PFBC
8.5
P/B Ratio
CRF
1.1
PFBC
1.45
P/S Ratio
CRF
85.05
PFBC
4.07
EV/EBITDA
CRF
--
PFBC
--

Profitability

Gross Margin
CRF
100.0%
PFBC
0.0%
Operating Margin
CRF
9.3%
PFBC
71.65%
Profit Margin
CRF
1191.01%
PFBC
47.52%
ROE
CRF
17.77%
PFBC
17.21%
ROA
CRF
0.23%
PFBC
1.84%

Growth

Revenue Growth
CRF
1228.2%
PFBC
4.2%
Earnings Growth
CRF
26.8%
PFBC
24.0%

Financial Health

Debt/Equity
CRF
--
PFBC
--
Current Ratio
CRF
0.58
PFBC
--
Quick Ratio
CRF
0.56
PFBC
--

Dividends

Dividend Yield
CRF
19.67%
PFBC
3.4%
Payout Ratio
CRF
136.79%
PFBC
36.5%

AI Verdict

CRF NEUTRAL

CRF presents a complex profile with a stable Piotroski F-Score of 4/9 and a significant valuation gap, trading well below its Graham Number ($12.23) and Intrinsic Value ($30.09). While the fund shows strong historical price performance and a very low P/E of 7.01, the technical trend is currently 0/100 (Bearish). The most critical concern is the unsustainable dividend payout ratio of 136.79%, suggesting the 19.67% yield is likely supported by return of capital rather than organic earnings.

Strengths
Significant undervaluation relative to Graham Number ($12.23)
Very low P/E ratio (7.01) compared to sector average (38.87)
Strong long-term price appreciation (5Y Change: +53.8%)
Risks
Unsustainable dividend payout ratio (136.79%)
Bearish technical trend (0/100)
Low liquidity/current ratio (0.58)
PFBC BULLISH

PFBC exhibits strong fundamental value, trading significantly below its Graham Number ($123.23) and Intrinsic Value ($307.1). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the bank maintains a robust ROE of 17.21% and a consistent 25-quarter track record of earnings beats. Despite bearish insider sentiment and technical trends, the low P/E (9.03) and PEG ratio (0.94) suggest a deep-value opportunity with sustainable dividend support.

Strengths
Significant undervaluation relative to Graham Number ($123.23)
Strong profitability with 17.21% ROE and 1.84% ROA
Exceptional earnings consistency over 25 consecutive quarters
Risks
Bearish insider activity with 8 sell transactions and 0 buys
Technical trend is currently 0/100 (Bearish)
Modest year-over-year revenue growth (4.20%)

Compare Another Pair

CRF vs PFBC: Head-to-Head Comparison

This page compares Cornerstone Total Return Fund, Inc. (CRF) and Preferred Bank (PFBC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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