CF Bankshares (CFBK) AI Stock Analysis

• Market Cap: $173.14M
• Dividend Yield: 1.12%
• Average Volume (3M): 31.27K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.92
• Revenue Growth: 2.33%
• EPS Growth: 22.43%
• Country: US
• Employees: 102
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 6,367,075
• 10 Day Avg. Volume: 27,019
• 30 Day Avg. Volume: 31,265
• PEG Ratio: -0.56
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 1.31
• P/FCF Ratio: 11.51
• Enterprise Value/Market Cap: >-0.01
• Enterprise Value/Revenue: -0.01
• Enterprise Value/Gross Profit: -0.03
• Enterprise Value/Ebitda: -0.07
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $29.00 ▲(9.89% Upside)

CF Bankshares shows strong financial performance with consistent revenue growth and effective cost management. The technical indicators suggest a strong upward trend, though caution is advised due to overbought conditions. The attractive valuation with a low P/E ratio and reasonable dividend yield adds to its appeal. The stock repurchase program further supports confidence in the company's future prospects.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Stock Repurchase Program

The extension of the stock repurchase program signals management's confidence in the company's intrinsic value and supports shareholder value.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, enabling the company to invest in growth opportunities and manage debt effectively.

Negative Factors

Debt Reliance

Heavy reliance on debt can strain financial resources and limit strategic options, posing risks to long-term financial health.

Equity Ratio

A low equity ratio indicates potential vulnerability to economic downturns, as the company may face challenges in meeting financial obligations.

Operational Cash Conversion

Challenges in converting income to cash may affect liquidity and the ability to fund operations or investments, impacting long-term growth.

CF Bankshares Business Overview & Revenue Model

Company Description

CF Bankshares Inc. (CFBK) is a financial holding company based in the United States that primarily operates through its wholly-owned subsidiary, CF Bank. The company offers a range of banking services, including commercial and retail banking, mortgage lending, and treasury management solutions. CF Bank focuses on serving individuals, small to medium-sized businesses, and commercial clients across its operational regions. It emphasizes personalized customer service and community involvement, aiming to foster long-term relationships with its clientele.

How the Company Makes Money

CF Bankshares generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The bank extends various types of loans, including commercial loans, residential mortgages, and consumer loans, which contribute significantly to its interest income. Additionally, CF Bank earns non-interest income from fees associated with banking services, such as account maintenance fees, transaction fees, and service charges. The company may also derive income from investment securities and other financial products. Strategic partnerships with local businesses and community organizations help drive customer acquisition and retention, further enhancing its revenue streams. Overall, its diversified banking services and focus on community engagement position CF Bankshares for steady financial growth.

CF Bankshares Financial Statement Overview

Summary

CF Bankshares demonstrates solid financial health with consistent revenue growth and effective cost management. The balance sheet shows improved leverage, though the company relies heavily on debt. Cash flow metrics indicate strong free cash flow generation, though operational cash conversion could be improved. Overall, the company is on a positive trajectory with some areas for improvement.

Income Statement

CF Bankshares has shown consistent revenue growth with a notable increase in the TTM period. The gross profit margin and net profit margin are stable, indicating efficient cost management. However, the EBIT and EBITDA margins have seen some fluctuations, which may suggest variability in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved over the years, indicating better leverage management. Return on equity is decent, reflecting effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing.

Cash Flow

The cash flow from operations has improved significantly in the TTM period, with a strong free cash flow growth rate. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong, showing good cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	124.17M	122.16M	111.69M	70.28M	63.64M	102.08M
Gross Profit	51.58M	43.68M	48.73M	50.52M	54.93M	76.58M
EBITDA	22.90M	16.63M	21.55M	23.09M	23.25M	36.66M
Net Income	17.93M	13.39M	16.94M	18.16M	18.45M	29.61M
Balance Sheet
Total Assets	2.13B	2.07B	2.06B	1.82B	1.50B	1.48B
Cash, Cash Equivalents and Short-Term Investments	276.78M	244.06M	269.79M	162.33M	183.04M	230.40M
Total Debt	121.90M	113.91M	130.26M	125.82M	106.64M	230.80M
Total Liabilities	1.96B	1.90B	1.90B	1.68B	1.37B	1.37B
Stockholders Equity	177.02M	168.44M	155.37M	139.25M	125.33M	110.21M
Cash Flow
Free Cash Flow	21.11M	13.92M	17.39M	38.86M	250.34M	-123.85M
Operating Cash Flow	21.53M	14.19M	18.05M	39.76M	253.30M	-123.47M
Investing Cash Flow	-62.30M	-32.99M	-121.85M	-353.32M	-316.73M	-259.75M
Financing Cash Flow	74.67M	-7.52M	213.61M	298.75M	8.42M	558.93M

CF Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.39
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFBK, the sentiment is Positive. The current price of 26.39 is above the 20-day moving average (MA) of 24.24, above the 50-day MA of 23.63, and above the 200-day MA of 23.41, indicating a bullish trend. The MACD of 0.62 indicates Negative momentum. The RSI at 88.70 is Negative, neither overbought nor oversold. The STOCH value of 89.04 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFBK.

CF Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	75 Outperform	$174.32M	10.12	11.72%	2.93%	12.31%	39.46%
BVFL	72 Outperform	$173.98M	17.13	5.32%	―	4.86%	-8.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$173.14M	10.79	9.18%	1.12%	2.33%	22.43%
BFIN	64 Neutral	$157.75M	68.10	1.46%	3.16%	-2.62%	-70.70%
MNSB	59 Neutral	$165.05M	-23.18	-2.07%	1.87%	1.92%	-174.59%
PNBK	55 Neutral	$220.78M	-0.68	-35.87%	―	-11.99%	63.64%

CF Bankshares Corporate Events

CF Bankshares Extends Stock Repurchase Program Into 2026

On December 17, 2025, CF Bankshares Inc.’s board approved an extension of its stock repurchase program, moving the program’s end date from January 31, 2026, to August 15, 2026, while keeping authorization to buy back up to 325,000 shares, about 5% of its outstanding common stock. As of the announcement on December 18, 2025, the company had repurchased 54,644 shares and stated that future buybacks may be executed via open-market or privately negotiated transactions in compliance with securities regulations, with the pace and scale of repurchases to be determined by management based on market conditions and other corporate considerations; leadership framed the move as a signal of confidence in the bank’s business model and intrinsic value, and as part of its strategy to enhance shareholder value, although the program can be modified, suspended or discontinued at any time.

CF Bankshares Director Resigns Amid Ownership Changes

On December 15, 2025, Sundeep Rana resigned from the Board of Directors of CF Bankshares Inc., where he had served since July 28, 2021 as a representative of Castle Creek Capital Partners VII, L.P. This resignation followed Castle Creek and its affiliates reducing their ownership below 4.9% of the company’s outstanding common stock, as per the conditions in a prior Securities Purchase Agreement. The company clarified that the resignation was not due to any disagreements regarding its operations, policies, or practices.

CF Bankshares CEO Terminates Stock Trading Plan

On December 1, 2025, Timothy T. O’Dell, CEO and President of CF Bankshares Inc., terminated his Rule 10b5-1 trading plan, which was initially set up to sell up to 40,000 shares of CFBK common stock by April 30, 2026. No shares were sold under this plan before its termination.

CF Bankshares Alters Stock Structure with Conversion

CF Bankshares Inc. announced changes in its stock structure, reporting an increase in Voting Common Stock and a decrease in Non-Voting Common Stock as of October 3, 2025. This adjustment, resulting from the conversion of Non-Voting to Voting shares, reflects a strategic shift in the company’s equity distribution, potentially impacting shareholder dynamics.

CF Bankshares Adjusts Stock Structure with Conversion

CF Bankshares Inc. announced that as of September 26, 2025, the company had 6,276,775 shares of Voting Common Stock outstanding, following the conversion of 240,000 shares of Non-Voting Common Stock into Voting Common Stock. This change reflects a strategic adjustment in the company’s stock structure, potentially impacting shareholder dynamics and voting power distribution.