Pricing Log in Create free account
Friday 6 November 2026 Export CFBK’s income statement to Excel — free account

CF Bankshares Inc.

CFBK Financial Banks Regional

CF Bankshares Inc.’s revenue for fiscal 2025 (year ended December 2025) was $125.9 million, up 1.91% from fiscal 2024.

Revenue
−0.67%
EPS
+155.6%
Free cash flow
−35.8%
Total debt
−1.45%

Quarter to September 2026, against a year earlier

34.65 0.06 +0.17%
Market cap
$234.1M
P/E
9.9×
Fwd P/E
9.6×
Dividend yield
1.03%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.06
Sold, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 5 — — — — — — — — — — —
Sell — — — — — — — — — 1 — —
Insider Ownership 19.01%

Capital & Financial Ratios $m

Size
Market Cap 234.05
Revenue ttm 124.70
Net income ttm 22.71
Free cash flow ttm 21.04
Net debt Q (134.29)
Valuation
P/E 9.94
Forward P/E 9.57
Price / sales 1.78
Forward P/S Powerpack
Price / FCF 10.54
Price / book 1.11
Financial health
Current ratio Q 0.00
Debt / equity Q 0.57
Interest coverage Q —
Growth
Revenue growth Q −0.67% (below 0%: shrinking)
Operating income growth Q +13.48% (above 0%: growing)
EPS, this year +34.57% (at or above 15%: strong)
EPS, next year A +16.02% (at or above 15%: strong)
Revenue, next year A −47.98% (below 0%: weak)
EPS, past 5 yrs −9.66% (below 0%: weak)
EPS, next 5 yrs A +18.71% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 62.50%
10-year low 10-year high
P/S against its own 10 years 65.62%
10-year low 10-year high
P/B against its own 10 years 81.52%
10-year low 10-year high

Dividends raised every year since 2020

Yield
1.03%
Annual rate
0.36
Payout ratio
10.4%
Growth, 2020–26
+51.3%/yr
  1. 0.03 ’20
  2. 0.13 ’21 +333
  3. 0.18 ’22 +38
  4. 0.23 ’23 +28
  5. 0.25 ’24 +9
  6. 0.30 ’25 +20
  7. 0.36 ’26 +20
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 262 235 259 249
Receivables — — — —
Inventory — — — —
Other — — — —
2,002 2,006 2,054 —
2023 2024 2025 Q'26
Payables 1,744 1,756 1,781 1,857
ST’ Debt — — — —
Other — — — —
1,771 1,781 1,808 1,891

Compound Annual Growth %

10y 5y 3y
Sales 24.79% 4.23% 21.06%
Cash Flow 13.86% 0.00% (22.25%)
Earnings 16.73% (9.06%) (2.18%)
Book Value 17.02% 10.85% 9.82%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.91 Actual 0.91

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.76 0.88 Beat by 0.12
Q1 FY26 0.81 0.77 Miss by 0.04
Q2 FY26 0.89 0.90 Beat by 0.01
Q3 FY26 0.91 0.91 Met by 0.00
Q4 FY26 0.98 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.77 0.90 0.91 — —
’25 0.68 0.77 0.36 0.88 2.69
’24 0.47 0.26 0.65 0.68 2.06
’23 0.68 0.66 0.62 0.65 2.63
’22 0.69 0.72 0.65 0.72 2.78
’21 0.96 0.52 0.61 0.68 2.77
’20 0.30 1.53 1.54 1.11 4.47
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 30 32 32 — —
’25 30 32 32 31 126
’24 30 31 32 31 124
’23 25 27 29 31 112
’22 14 16 19 23 71
’21 20 15 15 15 64
’20 13 30 34 25 102
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 5 8 — —
’25 2 8 5 3 19
’24 (1) 4 (1) 13 14
’23 6 2 2 8 18
’22 21 12 0 7 40
’21 (162) 198 164 54 253
’20 35 (60) (76) (22) (123)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 5 5 8 — —
’25 2 8 5 3 18
’24 (1) 4 (1) 12 14
’23 5 2 2 8 17
’22 20 12 0 7 39
’21 (163) 197 164 52 251
’20 35 (61) (76) (22) (124)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 16 18 28 47 102 64 71 112 124 126 125 +26.1% 66 74 79 (14.5%)
Gross margin, % 80.14 80.31 74.65 71.37 85.76 83.89 73.27 46.01 41.94 48.40 51.17 (31.7) pt
EBT 2 3 5 12 36 23 23 21 16 22 27 +27.4%
EBT margin, % 15.64 19.28 19.31 25.72 35.44 35.66 31.83 18.68 13.07 17.10 21.96 +1.5 pt
Net income 2 1 4 10 30 18 18 17 13 18 23 +30.2%
Per share, $
Per share, $ Revenue 5.35 5.51 6.48 10.22 16.98 9.83 11.09 17.49 19.69 20.02 19.46 +15.8%
Earnings 0.28 0.22 1.02 2.05 4.53 2.84 2.84 2.64 2.08 2.70 3.48 +28.9%
Cash flow 0.62 1.21 (2.77) (22.60) (20.48) 38.92 6.22 2.81 2.26 2.97 3.32 +19.1%
Capex (0.02) (0.10) (0.14) (0.10) (0.06) (0.40) (0.14) (0.10) (0.04) (0.08) (0.04) +19.1%
Free cash flow 0.60 1.12 (2.92) (22.70) (20.54) 38.52 6.07 2.71 2.22 2.89 3.28 +19.1%
Book value 13.49 12.35 10.69 17.61 18.28 19.26 21.77 24.20 26.84 29.32 31.14 +9.0%
Shares, m 3 3 4 5 6 7 6 6 6 6 6 +8.9%
Valuation, ×
Valuation, × P/E 33.60 52.98 11.57 6.84 3.90 7.25 7.42 7.46 12.34 9.28 9.94 15.3
P/S 1.73 2.65 1.80 1.36 1.04 2.09 1.89 1.13 1.30 1.25 1.78 1.6
P/B 0.69 1.18 1.09 0.79 0.97 1.07 0.96 0.81 0.95 0.85 1.11 0.9
EV/Sales (0.79) 1.16 0.60 1.32 1.12 1.12 1.51 (0.09) 0.26 0.11 — 0.6
EV/FCF (7.08) 5.71 (1.34) (0.59) (0.92) 0.29 2.75 (0.59) 2.34 0.76 — 0.1
Cash, $m
Cash, $m Operating cash flow 2 4 (12) (104) (123) 253 40 18 14 19 21 +29.8%
Capex 0 0 (1) 0 0 (3) (1) (1) 0 0 0 +29.7%
Free cash flow 2 4 (12) (104) (124) 251 39 17 14 18 21 +29.8%
Balance, $m
Balance, $m Working capital 34 36 58 104 300 173 212 231 225 246 (1,891) +24.7%
Net debt (39) (27) (33) (2) 8 (62) (28) (137) (128) (143) (134) +15.4%
Shareholders’ equity 39 40 46 81 110 125 139 155 168 184 200 +18.7%
Returns, %
Returns, % ROA 0.20 0.15 0.76 1.22 2.32 1.24 1.10 0.87 0.63 0.81 1.02 +0.6 pt
ROIC 0.00 16.24 26.82 9.59 19.25 22.56 12.95 70.58 24.85 32.53 0.00 +32.5 pt
ROE 1.98 1.71 10.10 14.88 28.63 15.67 13.73 11.50 8.05 9.64 11.66 +7.7 pt
People
People Employees 64 66 95 125 177 134 125 108 103 104 — +5.5%
Revenue/emp, $m 0.24 0.27 0.29 0.37 0.58 0.48 0.57 1.04 1.20 1.21 — +19.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

CF Bankshares Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NKSH National Bankshares, Inc. $251.1M 12.4× 11.4× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
CMTV Community Bancorp. $248.3M 14.1× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.1× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 10.4× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 11.9× 9.6× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00%
CZWI Citizens Community Bancorp, Inc. $227.4M 18.2× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
OVBC Ohio Valley Banc Corp. $227.2M 16.0× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
INBK First Internet Bancorp $225.1M 15.1× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
OPBK OP Bancorp $220.6M 7.6× 7.4× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00% Compare
Median of peers $231.7M 13.6× 11.6× +7.36% +16.67% +10.29% 70.36% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 23 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.39m 1.38m 99.00
2024 1.59m 1.89m 132.00
2023 1.08m 1.03m 93.00

Ownership

Directors and executive officers, together 17.70%
Fourthstone LLC 9.28%
AllianceBernstein L.P. 6.24%
Edward W Cochran 5.50%
Edward W. Cochran, Director 5.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

CF Bankshares Inc. (CFBK) Latest News

27 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Zacks

28 Jul

Impact 3 ·
Impact 3 ·

5 May

Impact 3 · · Zacks
Impact 3 · · PR Newswire

28 Apr

Impact 3 ·

9 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 4 ·
Impact 3 ·

3 Feb

Impact 3 · · Simply Wall St.

21 Jan

Impact 3 · · PR NewswirePrivate Banker International

5 Jan

Impact 3 · · PR Newswire

18 Dec

Impact 3 · · PR Newswire

14 Dec

Impact 3 · · Simply Wall St.

6 Nov

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

5 Nov

Impact 3 · · Simply Wall St.

3 Nov

Impact 4 · · Simply Wall St.
Impact 3 ·
Impact 3 · · PR Newswire

1 Oct

Impact 3 · · PR Newswire

13 Aug

Impact 4 · · Zacks
Impact 3 · · Zacks

5 Aug

Impact 4 · · Simply Wall St.

4 Aug

Impact 3 ·

4 Jul

Impact 3 · · Simply Wall St.

1 Jul

Impact 4 · · PR Newswire

4 Jun

Impact 3 · · PR Newswire

31 May

Impact 3 · · Simply Wall St.
stockrow.com/CFBK · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com