CF Bankshares Inc. CFBK
- Market cap
- $221.5M
- P/E
- 11.8×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6.08 | 8.56 | 10.62 | 11.67 | 8.44 | 16.00 | 19.61 | 14.69 | 16.92 | 19.22 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 9.94 | 20.11 | 16.95 | 14.17 | 18.85 | 23.99 | 23.95 | 21.85 | 31.17 | 27.46 |
High Price
|
|||
| 64 | 66 | 95 | 125 | 177 | 134 | 125 | 108 | 103 | 104 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 16 | 18 | 28 | 47 | 102 | 64 | 71 | 112 | 124 | 126 |
Revenue
|
|||
| 80.14% | 80.31% | 74.65% | 71.37% | 85.76% | 83.89% | 73.27% | 46.01% | 41.94% | 48.40% |
Gross Margin
|
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| 2 | 3 | 5 | 12 | 36 | 23 | 23 | 21 | 16 | 22 |
EBT
|
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| 15.64% | 19.28% | 19.31% | 25.72% | 35.44% | 35.66% | 31.83% | 18.68% | 13.07% | 17.10% |
EBT Margin
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| 2 | 1 | 4 | 10 | 30 | 18 | 18 | 17 | 13 | 18 |
Net Income
|
|||
| 0 | 0 | 0 | 0 | (1) | (2) | 0 | 0 | (1) | (2) |
Depreciation
|
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| 5.35 | 5.51 | 6.48 | 10.22 | 16.98 | 9.83 | 11.09 | 17.49 | 19.69 | 20.02 |
Revenue/Sh
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| 0.28 | 0.22 | 1.02 | 2.05 | 4.53 | 2.84 | 2.84 | 2.64 | 2.08 | 2.70 |
Earnings/Sh
|
|||
| 0.62 | 1.21 | (2.77) | (22.60) | (20.48) | 38.92 | 6.22 | 2.81 | 2.26 | 2.97 |
Cash Flow/Sh
|
|||
| (0.02) | (0.10) | (0.14) | (0.10) | (0.06) | (0.40) | (0.14) | (0.10) | (0.04) | (0.08) |
Capex/Sh
|
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| 0.60 | 1.12 | (2.92) | (22.70) | (20.54) | 38.52 | 6.07 | 2.71 | 2.22 | 2.89 |
Free CF/Sh
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| 13.49 | 12.35 | 10.69 | 17.61 | 18.28 | 19.26 | 21.77 | 24.20 | 26.84 | 29.32 |
Book Value/Sh
|
|||
| 3 | 3 | 4 | 5 | 6 | 7 | 6 | 6 | 6 | 6 |
Shares
|
|||
| 33.75 | 53.24 | 11.57 | 6.84 | 3.90 | 7.25 | 7.42 | 7.46 | 12.34 | 9.28 |
PE Ratio
|
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| 1.73 | 2.66 | 1.80 | 1.36 | 1.04 | 2.09 | 1.89 | 1.13 | 1.30 | 1.25 |
PS Ratio
|
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| 0.69 | 1.19 | 1.09 | 0.79 | 0.97 | 1.07 | 0.96 | 0.81 | 0.95 | 0.85 |
PB Ratio
|
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| (0.79) | 1.16 | 0.60 | 1.32 | 1.12 | 1.12 | 1.51 | (0.09) | 0.26 | 0.11 |
EV/Sales
|
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| (7.08) | 5.71 | (1.34) | (0.59) | (0.92) | 0.29 | 2.75 | (0.59) | 2.34 | 0.76 |
EV/FCF
|
|||
| 2 | 4 | (12) | (104) | (123) | 253 | 40 | 18 | 14 | 19 |
Op' Cash Flow
|
|||
| 0 | 0 | (1) | 0 | 0 | (3) | (1) | (1) | 0 | 0 |
Capex
|
|||
| 2 | 4 | (12) | (104) | (124) | 251 | 39 | 17 | 14 | 18 |
FCF
|
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| 34 | 36 | 58 | 104 | 300 | 173 | 212 | 231 | 225 | 246 |
Working Cap'
|
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| 19 | 19 | 34 | 44 | 229 | 105 | 124 | 125 | 108 | 116 |
Total Debt
|
|||
| (39) | (27) | (33) | (2) | 8 | (62) | (28) | (137) | (128) | (143) |
Net Debt
|
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| 39 | 40 | 46 | 81 | 110 | 125 | 139 | 155 | 168 | 184 |
Sh' Equity
|
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| 0.20% | 0.15% | 0.76% | 1.22% | 2.32% | 1.24% | 1.10% | 0.87% | 0.63% | 0.81% |
ROA
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| 0.00% | 16.24% | 26.82% | 9.59% | 19.25% | 22.56% | 12.95% | 70.58% | 24.85% | 32.53% |
ROIC
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| 1.98% | 1.71% | 10.10% | 14.88% | 28.63% | 15.67% | 13.73% | 11.50% | 8.05% | 9.64% |
ROE
|
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CF Bankshares Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| OPBK OP Bancorp | $225.6M | 7.8× | Compare |
| CMTV Community Bancorp. | $226.7M | 12.4× | Compare |
| INBK First Internet Bancorp | $227.4M | 0.0× | Compare |
| MRBK Meridian Bank | $228.3M | 10.3× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| OVBC Ohio Valley Banc Corp. | $208.3M | 14.7× | Compare |
| PEBK Peoples Bancorp of North Carolina, Inc. | $237.6M | 11.5× | Compare |
| CZWI Citizens Community Bancorp, Inc. | $204.7M | 16.3× | Compare |
| FCAP First Capital, Inc. | $204.5M | 10.9× | Compare |
CF Bankshares Inc. (CFBK) key facts
- CF Bankshares Inc. (CFBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- CF Bankshares Inc.’s revenue for fiscal 2025 (year ended December 2025) was $125.9 million, up 1.91% from fiscal 2024.
- Net income was $17.5 million, or $2.70 per share (basic), a net margin of 13.5%.
- As of September 25, 2026, CFBK traded at $34.51, a market capitalization of $221.5 million.
- At that price the stock trades at 11.8× trailing-twelve-month earnings and 1.7× sales.
- CF Bankshares Inc. pays an annual dividend of $0.24 per share, a yield of 1.11%, with a payout ratio of 7.72%.
- Return on equity was 9.64% and debt-to-equity 0.59.
CF Bankshares Inc. (CFBK) Latest News
28 Jul
CF Bankshares Inc. (CFBK) exceeded Q2 earnings and revenue estimates. Q2 beats signal improved quarterly results that may lift near-term sentiment and valuation without shifting core strategy or market position.
CF Bankshares Inc., parent of CFBank NA, reports financial results for the second quarter of 2026. Quarterly earnings releases deliver core financial data that typically drive short-term stock movement and valuation adjustments.
5 May
CF Bankshares Inc. (CFBK) reported Q1 earnings and revenues below analyst estimates. Q1 earnings and revenue shortfalls highlight financial underperformance with moderate influence on investor sentiment and stock trajectory.
CF Bankshares Inc., parent of CFBank NA, reports results for the first quarter 2026. Quarterly earnings reports affect financial performance and market sentiment but depend on specific results for broader trajectory changes.
CF Bankshares Inc. has appointed Matt Tuohey as Market President for the Northeast Ohio (Greater Cleveland) region. Tuohey brings over 30 years of commercial banking experience and has previously held senior roles at WesBanco, Chemical Bank, and National City Bank. His expertise in commercial lending and team development is expected to enhance CFBank's presence in the area. The leadership of CFBank expressed confidence that Tuohey's market knowledge will support the bank's growth and commitment to serving closely held businesses and entrepreneurs across its five major metro markets. The appointment of a seasoned leader like Tuohey is expected to moderately influence CFBank's competitive positioning and growth in the Northeast Ohio market.
28 Apr
CF Bankshares Inc. (CFBK) earnings are expected to grow, prompting analysis on whether investors should buy the stock amid positive forecasts. Expected earnings growth signals moderate positive influence on financial performance and investor sentiment.
9 Feb
CF Bankshares Inc. (CFBK) is highlighted as one of three undervalued small-cap stocks with recent insider buying activity, indicating potential confidence from executives in the company's future performance. The article emphasizes the importance of insider buying as a positive signal for investors, suggesting that these purchases may reflect a belief in the company's undervaluation and growth prospects. The analysis points to the financial health and strategic positioning of CFBK, making it an attractive option for investors looking for opportunities in the small-cap sector. Insider buying suggests confidence in the company's future, which may moderately influence market sentiment and performance.
5 Feb
CF Bankshares Inc. (CFBK) reported Q4 earnings that exceeded analysts' expectations, showcasing strong financial performance. The results reflect the company's effective strategies and operational efficiency, contributing to positive market sentiment. Investors reacted favorably to the news, indicating confidence in the bank's future prospects. Earnings surpassing estimates can significantly influence investor sentiment and the company's market performance.
CF Bankshares Inc. reported its financial results for the fourth quarter and full year of 2025, highlighting key performance metrics and strategic initiatives undertaken during the period. The results indicate growth in various financial indicators, reflecting the company's operational effectiveness and market positioning. Financial results show moderate growth, which may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.
3 Feb
CF Bankshares Inc. (CFBK) is highlighted as an undervalued small-cap stock with notable insider activity in February 2026. The article emphasizes the potential for growth and investment opportunities within the company, driven by recent insider transactions that suggest confidence in its future performance. Analysts are optimistic about the stock's valuation, indicating that it may be an attractive option for investors looking for small-cap investments with insider backing. Insider activity suggests confidence in the company's future, which may moderately influence market sentiment and performance.
21 Jan
CF Bankshares Inc. has appointed John Wilgus as Senior Vice President. Wilgus brings extensive experience in the banking sector, having held various leadership roles in financial institutions. His addition is expected to enhance the bank's strategic initiatives and operational capabilities. The appointment of a seasoned executive may positively influence the bank's operations and strategic direction.
5 Jan
CF Bankshares Inc. has announced a 13% increase in its quarterly cash dividend, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is set to enhance investor confidence and may attract more interest in the stock. The dividend increase indicates positive financial health but is not expected to fundamentally alter the company's trajectory.
18 Dec
CF Bankshares Inc. has announced an extension of its stock repurchase program, allowing the company to buy back shares from the market. This decision reflects the company's ongoing commitment to enhancing shareholder value and optimizing its capital structure. The program is expected to provide additional support to the stock price and demonstrate confidence in the company's financial health. The extension of the stock repurchase program may positively influence market sentiment and financial performance, but its overall effect is expected to be somewhat limited.
14 Dec
CF Bankshares Inc. (NASDAQ: CFBK) has delivered a notable 40% return to its investors over the past five years, reflecting strong performance and growth in the company's operations. This return highlights the bank's effective strategies and resilience in the financial sector, contributing positively to investor sentiment. The 40% return indicates a moderately noticeable influence on investor sentiment and financial performance.
6 Nov
CF Bankshares Inc. (CFBK) is highlighted among three stocks trading at significant discounts, with estimates suggesting a potential undervaluation of up to 45.5%. This discount positions CFBK as an attractive investment opportunity, particularly in the current market environment where value stocks are gaining attention. Investors are encouraged to consider the potential upside as market conditions evolve. The identification of CFBK as undervalued suggests a moderately noticeable influence on its market performance and investor sentiment.
CF Bankshares Inc. (CFBK) is highlighted as one of three companies potentially undervalued in the market. Analysts suggest that the current stock price does not reflect the company's estimated intrinsic value, indicating a possible investment opportunity. The article emphasizes the importance of evaluating financial metrics and market conditions to identify undervalued stocks, which may lead to future gains for investors. CFBK's financial health and growth prospects are discussed in the context of broader market trends. CFBK's potential undervaluation may moderately influence investor sentiment and financial performance.
5 Nov
CF Bankshares Inc. (CFBK) is highlighted among three stocks estimated to be significantly undervalued, with potential price increases of up to 48.4% below their intrinsic values. This assessment suggests that the market may not fully recognize the company's financial health and growth prospects, indicating a potential investment opportunity for shareholders. The identification of undervalued stocks may influence market sentiment and investment decisions, but the overall impact on CF Bankshares' trajectory is expected to be limited.
3 Nov
CF Bankshares Inc. (CFBK) has reported a reversal in its margin trends, challenging the pessimistic narratives that have surrounded the company following five consecutive years of earnings decline. This shift indicates potential improvements in financial performance and may signal a turnaround for the bank, which has faced scrutiny and skepticism from investors and analysts alike. The margin reversal suggests a significant shift in financial performance that could alter investor sentiment and the company's trajectory.
CF Bankshares Inc. (CFBK) reported Q3 earnings and revenues that fell short of analysts' expectations. The company's performance was impacted by various factors, leading to a decline in key financial metrics. Investors reacted negatively to the results, raising concerns about the bank's future growth prospects and market position. Earnings and revenue misses can moderately affect investor sentiment and financial performance.
CF Bankshares Inc. reported its financial results for the third quarter of 2025, highlighting key performance metrics and developments within the company. The report includes insights into revenue, net income, and other financial indicators that reflect the bank's operational status and market position during this period. The financial results indicate moderate changes in performance that could influence investor sentiment and operational strategies.
1 Oct
CF Bankshares Inc. has announced a quarterly cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This dividend reflects the company's ongoing commitment to returning value to its shareholders and is part of its broader financial strategy. The dividend announcement indicates a stable financial position, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.
13 Aug
CF Bankshares Inc. (CFBK) has been identified as a strong buy stock for August 13th, indicating positive market sentiment and potential for growth. Analysts suggest that the company's fundamentals and market position make it an attractive investment opportunity at this time. Positive market sentiment and strong buy recommendations indicate significant potential for future performance.
CF Bankshares Inc. (CFBK) has been identified as one of the best value stocks to buy for August 13th, highlighting its potential for growth and favorable valuation metrics. Investors are encouraged to consider CFBK for its strong fundamentals and market positioning, which may lead to positive returns in the near future. CFBK's recognition as a value stock suggests a moderately noticeable influence on its market performance.
5 Aug
CF Bankshares Inc. reported its second quarter 2025 earnings, surpassing analysts' expectations. The bank's performance was driven by strong loan growth and improved net interest margins. Management highlighted strategic initiatives that contributed to the positive results, indicating a solid outlook for the remainder of the year. Investors reacted favorably to the news, reflecting confidence in the bank's operational strategies and financial health. Earnings exceeding expectations and strong loan growth indicate significant positive momentum for the company's future performance.
4 Aug
CF Bankshares Inc. reported its financial results for the second quarter of 2025, highlighting key performance metrics and operational developments. The report indicates growth in various financial indicators, reflecting the bank's strategic initiatives and market positioning. Management provided insights into future expectations and ongoing projects aimed at enhancing profitability and customer engagement. Financial results indicate moderate growth and strategic initiatives that may influence the company's performance.
4 Jul
CF Bankshares Inc. (NASDAQ:CFBK) has announced an increase in its dividend to $0.08, up from last year's payment. Despite the increase, the yield remains low at 1.2%. The company has a solid dividend history of 5 years, with a current payout ratio of 11%, indicating sustainability. Earnings per share are expected to rise by 22.2% next year, potentially increasing the future payout ratio to 14%. However, the company has a relatively short dividend payment history, and earnings growth has been modest at 2.7% per year. Overall, while the dividend increase is positive, caution is advised regarding its sustainability. The dividend increase and sustainable payout ratio indicate a moderately noticeable influence on future performance.
1 Jul
CF Bankshares Inc. announced a 14% increase in its quarterly cash dividend to $0.08 per share on common stock and $8.00 per share on Series D preferred stock, payable on July 21, 2025. The company also joined the Russell 3000 Index effective June 30, 2025, enhancing its visibility among investors. CEO Timothy T. O'Dell highlighted the dividend increase and index addition as indicators of the company's growth and success since its recapitalization in 2012. The dividend increase and addition to the Russell 3000 Index are significant strategic moves that could enhance investor sentiment and market performance.
4 Jun
CF Bankshares Inc. (NASDAQ: CFBK) has released informational slides ahead of its 2025 Annual Meeting, detailing the company's historical growth rates and key initiatives. The company, which owns CFBank, NA, operates in major metro markets including Columbus, Cleveland, Cincinnati, Akron, and Indianapolis. Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate (CAGR) exceeding 20%. CFBank focuses on providing comprehensive commercial, retail, and mortgage lending services, emphasizing individualized service and direct access to decision-makers. The release of growth information and strategic initiatives may moderately influence investor sentiment and financial performance.
31 May
CF Bankshares Inc. (NASDAQ:CFBK) has seen its stock price rise by 118% over the last five years, with a total shareholder return (TSR) of 129%, largely due to dividend payments. While the company's earnings per share (EPS) grew at a slower rate of 2.7% annually, the share price growth of 17% per year indicates increased investor sentiment. In the past year, shareholders experienced a 25% TSR, suggesting improved stock performance. This may indicate positive business momentum, warranting further investigation into insider trading activities. The divergence between share price growth and EPS growth suggests a notable shift in investor sentiment, which may moderately influence future performance.
6 May
CF Bankshares Inc. reported a net income of $4.4 million for Q1 2025, a 44% increase from Q1 2024, with a diluted earnings per share of $0.68. The bank's net interest margin rose to 2.64%, and noninterest-bearing deposits grew by 7%. The company completed the sale of two residential mortgage loan portfolios totaling $18.1 million, reallocating funds to higher-yielding commercial loans. Recent developments include the appointment of Matt Tuohey as Market President for Northeast Ohio and a new $10 million revolving line of credit. The Board declared a cash dividend of $0.07 per share. Overall, the bank's financial performance shows a positive trajectory with strategic shifts towards commercial banking. The significant increase in net income and strategic focus on commercial banking indicate a strong potential for future growth.