CF Bankshares (CFBK)
NASDAQ:CFBK
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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
$179.11M
Enterprise Value$31.33M
Total Cash (Recent Filing)$285.25M
Total Debt (Recent Filing)$122.09M
Price to Earnings (P/E)8.7
Beta0.94
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 Cap0.17
Enterprise Value/Revenue0.25
Enterprise Value/Gross Profit0.59
Enterprise Value/Ebitda1.42
Forecast
1Y Price Target
$33.50Price Target Upside26.94% 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 GenerationHigh and reliable free cash flow (TTM FCF ~$20.5M, ~97% of net income) provides durable internal funding for loan growth, reserve builds, technology investment, and shareholder distributions. This reduces dependency on external funding and improves capital allocation flexibility over the medium term.
Moderating LeverageLower debt-to-equity (from ~0.90 to ~0.65 TTM) and steady equity growth strengthen balance sheet resilience and regulatory flexibility. Improved leverage reduces interest burden and enhances the bank's capacity to originate loans and absorb credit losses across economic cycles without immediate capital raises.
Solid Profitability And Earnings ImprovementSustained margins (net ~14%, EBIT ~18%) and higher net income versus prior year indicate the core banking model remains profitable. This supports internal capital formation and suggests the firm can weather moderate revenue headwinds if margins and cost control are maintained over the next several quarters.
Bears Say
Sharp Revenue DeclineA ~37% TTM revenue drop is a meaningful structural headwind: lower loan balances, fee income, or reduced interest-earning assets curtail growth runway. If persistent, the top-line contraction can compress margins, limit provisioning flexibility, and constrain long-term earnings power despite recent cost control.
Volatility In Operating Cash FlowMaterial swings in operating cash flow across years make forecasting and capital planning harder, raising the chance of temporary liquidity needs or forced funding at unfavorable terms. This volatility elevates risk for sustained dividends, growth investments, and reserve management through stress periods.
Returns Below Prior-cycle PeaksROE (~9.8% TTM) below earlier cycle peaks signals constrained profitability versus prior periods. Persistently sub-peak returns can limit organic capital growth and shareholder upside absent higher net interest margins, faster asset growth, or improved fee income, reflecting structural competitive or mix pressures.
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 $179.11M.
When is CF Bankshares’s upcoming earnings report date?
CF Bankshares’s upcoming earnings report date is Aug 05, 2026 which is in 76 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 $0.08 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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Analyst Consensus
Moderate Buy
Average Price Target:
$33.50 (26.94% Upside)
$33.50 (26.94% Upside)
Blogger Sentiment
Neutral
CFBK Sentiment 50%
Sector Average ―
Sector Average ―
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
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio.
CFBK Stock 12 Month Forecast
Average Price Target
$33.50
▲(26.94% Upside)
Technical Analysis
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BV Financial, Inc.
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Ownership Overview
17.57% Insiders
6.81% Mutual Funds
22.87% Other Institutional Investors
44.68% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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