CF Bankshares (CFBK) AI Stock Analysis

• Market Cap: $134.50M
• Dividend Yield: 1.24%
• Average Volume (3M): 13.99K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.85
• Revenue Growth: 10.13%
• EPS Growth: -21.30%
• Country: US
• Employees: 102
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 2.06
• Shares Outstanding: 5,136,634
• 10 Day Avg. Volume: 16,358
• 30 Day Avg. Volume: 13,993
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.11
• Price to Cash Flow (P/CF): 2.80
• P/FCF Ratio: 1.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

CF Bankshares has a strong financial base with zero debt and robust revenue growth, but declining net income and volatile cash flows raise concerns about long-term profitability and liquidity. Technical indicators show a bearish trend, while the valuation remains attractive with a reasonable P/E ratio and dividend yield.

CF Bankshares Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

CF Bankshares generates revenue through multiple streams, with net interest income being a primary source. This involves earning interest from loans provided to customers while paying interest on deposits, with the spread between these rates contributing significantly to profits. The company also earns through non-interest income, which includes fees from services such as loan servicing, deposit account maintenance, and other financial services. The bank's focus on relationship-based banking and personalized services helps in retaining customers and growing its revenue base. Moreover, strategic partnerships and community engagement initiatives play a role in expanding its market presence and customer base.

CF Bankshares Financial Statement Overview

Summary

CF Bankshares demonstrates strong revenue growth, robust equity, and zero debt, which reflects financial stability. However, the declining net income and volatile cash flows highlight areas of concern regarding profitability and cash management.

Income Statement

CF Bankshares showed mixed performance with strong revenue growth from 2023 to 2024, but declining net income. Gross profit margin remains high at 100% due to the nature of the banking industry. Net income decreased from 2023 to 2024, impacting net profit margins negatively.

Balance Sheet

The company maintains a solid equity base with a zero debt-to-equity ratio in 2024, reflecting strong financial stability. However, the return on equity has declined due to reduced net income, which could signal potential future challenges in profitability.

Cash Flow

CF Bankshares has experienced volatility in cash flow with a significant reduction in free cash flow from 2023 to 2024, and the operating cash flow to net income ratio indicates challenges in converting income to cash. This poses risks to liquidity, despite positive free cash flow in 2024.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
50.42M	49.35M	51.31M	53.33M	87.50M
	Gross Profit
118.39M	51.05M	51.31M	53.33M	87.50M
	EBIT
28.53M	0.00	41.57M	22.82M	36.28M
	EBITDA
0.00	0.00	0.00	0.00	36.66M
	Net Income Common Stockholders
13.39M	16.94M	18.16M	18.45M	29.61M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
243.96M	258.30M	162.33M	183.04M	230.40M
	Total Assets
2.07B	2.06B	1.82B	1.50B	1.48B
	Total Debt
113.91M	130.26M	125.82M	106.64M	230.80M
	Net Debt
-121.46M	-131.44M	-26.07M	-60.05M	9.11M
	Total Liabilities
1.90B	1.90B	1.68B	1.37B	1.37B
	Stockholders Equity
168.44M	155.37M	139.25M	125.33M	110.21M
Cash Flow		Free Cash Flow
13.92M	17.39M	38.86M	250.34M	-123.85M
	Operating Cash Flow
14.19M	18.05M	39.76M	253.30M	-123.47M
	Investing Cash Flow
-32.99M	-121.85M	-353.32M	-316.73M	-259.75M
	Financing Cash Flow
-7.52M	213.61M	298.75M	8.42M	558.93M

CF Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 20.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFBK, the sentiment is Negative. The current price of 20.75 is below the 20-day moving average (MA) of 20.99, below the 50-day MA of 22.37, and below the 200-day MA of 23.08, indicating a bearish trend. The MACD of -0.51 indicates Negative momentum. The RSI at 44.66 is Neutral, neither overbought nor oversold. The STOCH value of 84.64 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CFBK.

CF Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	74 Outperform	$131.82M	13.27	5.68%	3.43%	12.17%	-3.38%
FNWD	72 Outperform	$130.38M	10.62	8.12%	1.59%	15.97%	45.41%
Sector *	63 Neutral	$12.00B	9.27	8.14%	79.61%	12.85%	-5.12%
CFBK	62 Neutral	$134.50M	10.18	8.05%	1.24%	10.13%	-21.30%
RMBI	60 Neutral	$135.92M	14.13	7.00%	4.40%	18.48%	2.14%
SFBC	59 Neutral	$128.15M	27.80	4.54%	1.52%	11.61%	-37.10%
CZWI	54 Neutral	$137.26M	10.25	7.80%	2.65%	5.41%	7.23%