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CFBK Stock Chart & Stats
$26.39
-$0.68(-2.86%)
At close: 4:00 PM EST
$26.39
-$0.68(-2.86%)
Day’s Range― - ―
52-Week Range$22.10 - $34.34
Previous CloseN/A
Volume8.87K
Average Volume (3M)31.27K
Market Cap
$204.24M
Enterprise Value$46.52M
Total Cash (Recent Filing)$285.25M
Total Debt (Recent Filing)$122.09M
Price to Earnings (P/E)11.4
Beta0.89
Next Earnings
Aug 05, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield1.16%
Share Statistics
EPS (TTM)2.78
Shares Outstanding6,434,002
10 Day Avg. Volume27,019
30 Day Avg. Volume31,265
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)0.85
Price to Sales (P/S)1.25
P/FCF Ratio8.62
Enterprise Value/Market Cap0.23
Enterprise Value/Revenue0.37
Enterprise Value/Gross Profit0.88
Enterprise Value/Ebitda2.08
Forecast
1Y Price Target
$36.00Price Target Upside36.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.66
Revenue Forecast (FY)$68.20M
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation And FCF ConversionCF Bankshares converts reported earnings into cash at a very high rate, with TTM free cash flow roughly 97% of net income and ~ $20.5M FCF. That durable cash conversion supports dividend capacity, capital allocation flexibility, and resilience through credit cycles over the next 2–6 months.
Improving Leverage And Sound Balance Sheet TrendsLeverage has meaningfully improved, with debt-to-equity declining to ~0.65 TTM and equity growing steadily. A moderate and improving capital structure reduces refinancing and liquidity risk, strengthening the bank's ability to support lending and absorb shocks across the coming months.
Solid Profitability With Recent Earnings ImprovementDespite revenue pressures, margins remain healthy and net income has improved versus 2024, indicating effective expense and interest margin management. Sustained mid-teens net margins and rising earnings provide a stable earnings base to support operations and risk absorption over the medium term.
Bears Say
Sharp TTM Revenue DeclineA ~37% TTM revenue decline is a material top-line deterioration that can compress future earnings potential and constrain reinvestment. If persistent, lost scale could widen fixed-cost leverage and create pressure on fee income and loan origination pipelines over the coming quarters.
Rising Cyclical Credit Exposure From Loan Mix ShiftThe strategic tilt into commercial and construction lending raises cyclicality in the loan book; management has not scaled reserves proportionally per the disclosure. That mix increases vulnerability to downturns in commercial real estate and construction activity, elevating credit-loss risk over the medium term.
Historical Volatility In Margins And Cash FlowOperating cash flow and margin performance have swung materially in recent years, with notably weak coverage in 2022–2024. Such volatility makes forecasting earnings and reserve adequacy harder, reducing predictability of capital returns and raising the chance of episodic stress in a tougher credit cycle.
CF Bankshares News
CFBK FAQ
What was CF Bankshares’s price range in the past 12 months?
CF Bankshares lowest stock price was $22.10 and its highest was $34.34 in the past 12 months.
What is CF Bankshares’s market cap?
CF Bankshares’s market cap is $204.24M.
When is CF Bankshares’s upcoming earnings report date?
CF Bankshares’s upcoming earnings report date is Aug 05, 2026 which is in 24 days.
How were CF Bankshares’s earnings last quarter?
CF Bankshares released its earnings results on May 05, 2026. The company reported $0.77 earnings per share for the quarter, missing the consensus estimate of $0.81 by -$0.04.
Is CF Bankshares overvalued?
According to Wall Street analysts CF Bankshares’s price is currently Undervalued.
Does CF Bankshares pay dividends?
CF Bankshares pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 1.16%. See more information on CF Bankshares dividends here
What is CF Bankshares’s EPS estimate?
CF Bankshares’s EPS estimate is 0.89.
How many shares outstanding does CF Bankshares have?
CF Bankshares has 6,434,002 shares outstanding.
What happened to CF Bankshares’s price movement after its last earnings report?
CF Bankshares reported an EPS of $0.77 in its last earnings report, missing expectations of $0.81. Following the earnings report the stock price went down -1.512%.
Which hedge fund is a major shareholder of CF Bankshares?
Currently, no hedge funds are holding shares in CFBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
CF Bankshares Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (36.42% Upside)
$36.00 (36.42% Upside)
Blogger Sentiment
Neutral
CFBK Sentiment 50%
Sector Average 67%
Sector Average 67%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.00%
12-Months-Change
Fundamentals
Return on Equity
9.76%
Trailing 12-Months
Asset Growth
2.44%
Trailing 12-Months
Company Description
CF Bankshares
As the parent company for CFBank, National Association, CF Bankshares Inc. provides a broad spectrum of banking products and services throughout the United States. Its offerings encompass various deposit accounts, including savings, retail and business checking, money market accounts, and certificates of deposit. The bank also facilitates a range of loans such as single-family mortgages, commercial real estate and multi-family residential mortgages, commercial loans, and construction and land loans. Furthermore, it provides consumer credit options like home equity lines, home improvement loans, and loans secured by deposits, along with other purchased loans. Customers can access modern conveniences such as internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, the company operated five branch offices situated in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, in addition to a loan production office in Franklin County, Ohio. Founded in 1892, the company was formerly named Central Federal Corporation before adopting its current name, CF Bankshares Inc., in July 2020, and is headquartered in Worthington, Ohio.
CFBK Stock 12 Month Forecast
Average Price Target
$36.00
▲(36.42% Upside)
Technical Analysis
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Patriot National Bancorp
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MainStreet Bancshares
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BV Financial, Inc.
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Ownership Overview
17.51% Insiders
7.24% Mutual Funds
0.14% Other Institutional Investors
65.28% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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