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. In the quarter to June 2026, revenue was flat, EPS grew 18.2%, free cash flow fell 35.8% and total debt fell 1.45%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

33.57 0.01 +0.03%
Market cap
$217.9M
P/E
11.5×
Fwd P/E
8.1×
Dividend yield
1.07%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.06
Total sells 0.01
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 5 — — — — — — — — — —
Sell — — — — — — — — — — 1 —
Insider Ownership 21.21%

Capital & Financial Ratios $m

Market Cap 217.88
Revenue 124.92
Net Income 19.01
Free Cash Flow 17.86
Net Debt (138.91)
Current Ratio 1.14
Debt/Equity 0.59
P/E ratio 11.50
Fwd P/E 8.10
P/S ratio 1.70
P/B ratio 1.09
Past 5Y EPS Growth (9.66%) (below 0%: weak)
This Y EPS Growth 32.71% (at or above 15%: strong)
Next Y EPS Growth 17.65% (at or above 15%: strong)
Next Y revenue growth (47.98%) (below 0%: weak)
Next 5Y EPS Growth 28.00% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.72%
10-year low 10-year high
P/S against its own 10 years 60.93%
10-year low 10-year high
P/B against its own 10 years 77.26%
10-year low 10-year high

Dividends

Payout Ratio 0.12
Annual Dividend Rate 0.36
Annual Dividend Yield 1.07%
total individual payouts
2027 Powerpack
2026 0.36
0.09
0.09
0.09
0.09
2025 0.30
0.07
0.07
0.08
0.08
2024 0.25
0.06
0.06
0.06
0.07
2023 0.23
0.05
0.06
0.06
0.06
2022 0.18
0.04
0.04
0.05
0.05
2021 0.13
0.03
0.03
0.03
0.04
2020 0.03
0.03
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 262 235 259 253
Receivables — — — —
Inventory — — — —
Other — — — —
2,002 2,006 2,054 2,106
2023 2024 2025 Q'26
Payables 1,744 1,756 1,781 1,829
ST’ Debt — — — —
Other — — — —
1,771 1,781 1,808 1,853

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%

Revenue $m

Mar Jun Sep Dec Year
’26 30 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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.77 0.90 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 9.94 20.11 16.95 14.17 18.85 23.99 23.95 21.85 31.17 27.46
People
People Employees 64 66 95 125 177 134 125 108 103 104
Revenue/emp, $m 0.24 0.27 0.29 0.37 0.58 0.48 0.57 1.04 1.20 1.21
Income, $m
Income, $m Revenue 16 18 28 47 102 64 71 112 124 126
Gross margin, % 80.14 80.31 74.65 71.37 85.76 83.89 73.27 46.01 41.94 48.40
EBT 2 3 5 12 36 23 23 21 16 22
EBT margin, % 15.64 19.28 19.31 25.72 35.44 35.66 31.83 18.68 13.07 17.10
Net income 2 1 4 10 30 18 18 17 13 18
Depreciation 0 0 0 0 (1) (2) 0 0 (1) (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
Earnings 0.28 0.22 1.02 2.05 4.53 2.84 2.84 2.64 2.08 2.70
Cash flow 0.62 1.21 (2.77) (22.60) (20.48) 38.92 6.22 2.81 2.26 2.97
Capex (0.02) (0.10) (0.14) (0.10) (0.06) (0.40) (0.14) (0.10) (0.04) (0.08)
Free cash flow 0.60 1.12 (2.92) (22.70) (20.54) 38.52 6.07 2.71 2.22 2.89
Book value 13.49 12.35 10.69 17.61 18.28 19.26 21.77 24.20 26.84 29.32
Shares, m 3 3 4 5 6 7 6 6 6 6
Valuation, ×
Valuation, × P/E 33.75 53.24 11.57 6.84 3.90 7.25 7.42 7.46 12.34 9.28
P/S 1.73 2.66 1.80 1.36 1.04 2.09 1.89 1.13 1.30 1.25
P/B 0.69 1.19 1.09 0.79 0.97 1.07 0.96 0.81 0.95 0.85
EV/Sales (0.79) 1.16 0.60 1.32 1.12 1.12 1.51 (0.09) 0.26 0.11
EV/FCF (7.08) 5.71 (1.34) (0.59) (0.92) 0.29 2.75 (0.59) 2.34 0.76
Cash, $m
Cash, $m Operating cash flow 2 4 (12) (104) (123) 253 40 18 14 19
Capex 0 0 (1) 0 0 (3) (1) (1) 0 0
Free cash flow 2 4 (12) (104) (124) 251 39 17 14 18
Balance, $m
Balance, $m Working capital 34 36 58 104 300 173 212 231 225 246
Total debt 19 19 34 44 229 105 124 125 108 116
Net debt (39) (27) (33) (2) 8 (62) (28) (137) (128) (143)
Shareholders’ equity 39 40 46 81 110 125 139 155 168 184
Returns, %
Returns, % ROA 0.20 0.15 0.76 1.22 2.32 1.24 1.10 0.87 0.63 0.81
ROIC 0.00 16.24 26.82 9.59 19.25 22.56 12.95 70.58 24.85 32.53
ROE 1.98 1.71 10.10 14.88 28.63 15.67 13.73 11.50 8.05 9.64
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CMTV Community Bancorp. $234.3M 12.6× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
INBK First Internet Bancorp $226.6M — (loss-making) 11.4× −1.30% (below 0%: shrinking) +1,250.00% (above 0%: growing) +126.71% (above 0%: growing) 48.20% 0.00% Compare
OPBK OP Bancorp $221.8M 7.6× 7.5× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00% Compare
MRBK Meridian Bank $219.6M 9.9× 9.5× −3.50% (below 0%: shrinking) −2.00% (below 0%: shrinking) +88.96% (above 0%: growing) 64.49% 0.00% Compare
CFBK CF Bankshares Inc. $217.9M 11.5× 8.1× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00%
OVBC Ohio Valley Banc Corp. $217.2M 15.3× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
FCAP First Capital, Inc. $206.0M 11.1× — (loss-making) +11.02% (above 0%: growing) +26.55% (above 0%: growing) +2.66% (above 0%: growing) 80.17% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $203.7M 16.2× 11.4× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
RBKB Rhinebeck Bancorp, Inc. $200.9M 17.9× — +2.17% (above 0%: growing) −5.03% (below 0%: shrinking) +145.41% (above 0%: growing) 71.31% 0.00% Compare
Median of peers $218.4M 12.6× 11.0× +3.74% +7.34% +53.22% 67.54% 0.00%

All 323 Banks Regional stocks →

CF Bankshares Inc. (CFBK) key facts

  • Strength: CF Bankshares Inc.’s revenue for fiscal 2025 (year ended December 2025) was $125.9 million, up 1.91% from fiscal 2024.
  • Strength: Net income was $17.5 million, or $2.70 per share (basic), a net margin of 13.5%.
  • CF Bankshares Inc. (CFBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CFBK traded at $33.57, a market capitalization of $217.9 million.
  • At that price the stock trades at 11.5× trailing-twelve-month earnings and 1.7× sales; its P/E is higher than 74% of its own readings over the past ten years.
  • CF Bankshares Inc. pays an annual dividend of $0.36 per share, a yield of 1.07%, with a payout ratio of 12.4%.
  • Return on equity was 9.64% and debt-to-equity 0.59.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

CF Bankshares Inc. (CFBK) Latest News

13 Aug

stockrow.com/CFBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com