CF Bankshares (CFBK)
NASDAQ:CFBK
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CF Bankshares
(NASDAQ:CFBK)
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Rating:58Neutral
Price Target:
$30.00
▲(13.68% Upside)
Action:ReiteratedDate:03/13/26
The score is anchored by mixed financial quality: solid balance sheet improvement and strong revenue growth are offset by notable margin compression and inconsistent cash-flow/cash conversion. Technical signals are currently bearish and weigh on near-term attractiveness, while valuation (low P/E) and the extended buyback program provide support.
Positive Factors
Improved Leverage & Equity Base
Material de‑leveraging and a larger equity base provide durable financial flexibility, lowering solvency risk and enabling the bank to absorb credit losses or pursue organic growth without relying on volatile external funding. This strengthens the franchise over the next several quarters.
Negative Factors
Multi-year Margin Compression
A persistent decline in core profitability reduces return on capital and limits the bank's ability to fund growth or increase reserves from internal earnings. If margins remain structurally lower, ROE and capital efficiency will be restrained over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage & Equity Base
Material de‑leveraging and a larger equity base provide durable financial flexibility, lowering solvency risk and enabling the bank to absorb credit losses or pursue organic growth without relying on volatile external funding. This strengthens the franchise over the next several quarters.
Read all positive factors
CF Bankshares (CFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$190.89M
Dividend Yield1.16%
Average Volume (3M)31.27K
Price to Earnings (P/E)9.2
Beta (1Y)0.98
Revenue Growth1.80%
EPS Growth30.22%
CountryUS
Employees102
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.88
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 Cap0.27
Enterprise Value/Revenue0.41
Enterprise Value/Gross Profit0.99
Enterprise Value/Ebitda2.36
Forecast
1Y Price Target
$34.00Price Target Upside28.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.68
Revenue Forecast (FY)$68.35M
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...
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...
CF Bankshares Key Performance Indicators (KPIs)
CF Bankshares Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
71
Positive
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 125.90M | 122.16M | 111.69M | 70.28M | 63.64M |
| Gross Profit | 52.69M | 43.68M | 48.73M | 50.52M | 54.93M |
| EBITDA | 21.53M | 16.63M | 21.55M | 23.09M | 23.25M |
| Net Income | 17.00M | 13.39M | 16.94M | 18.16M | 18.45M |
Balance Sheet | |||||
| Total Assets | 2.12B | 2.07B | 2.06B | 1.82B | 1.50B |
| Cash, Cash Equivalents and Short-Term Investments | 276.47M | 244.06M | 269.79M | 162.33M | 183.04M |
| Total Debt | 121.88M | 113.91M | 130.26M | 125.82M | 106.64M |
| Total Liabilities | 1.93B | 1.90B | 1.90B | 1.68B | 1.37B |
| Stockholders Equity | 184.43M | 168.44M | 155.37M | 139.25M | 125.33M |
Cash Flow | |||||
| Free Cash Flow | 18.20M | 13.92M | 17.39M | 38.86M | 250.34M |
| Operating Cash Flow | 18.69M | 14.19M | 18.05M | 39.76M | 253.30M |
| Investing Cash Flow | -25.04M | -32.99M | -121.85M | -353.32M | -316.73M |
| Financing Cash Flow | 30.05M | -7.52M | 213.61M | 298.75M | 8.42M |
CF Bankshares Technical Analysis
Positive
26.39
Price Trends
29.59
Positive
27.80
Positive
25.77
Positive
Market Momentum
0.10
Negative
59.11
Neutral
48.99
Neutral
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 below the 20-day moving average (MA) of 28.47, below the 50-day MA of 29.59, and above the 200-day MA of 25.77, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 59.11 is Neutral, neither overbought nor oversold. The STOCH value of 48.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFBK.
CF Bankshares Risk Analysis
CF Bankshares disclosed 34 risk factors in its most recent earnings report. CF Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CF Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $167.09M | 8.39 | 12.36% | 3.01% | 5.22% | 43.80% | |
71 Outperform | $171.86M | 36.81 | 5.32% | ― | 5.29% | 31.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $175.68M | 10.13 | 7.98% | 1.90% | -4.00% | ― | |
58 Neutral | $190.89M | 9.23 | 9.65% | 1.16% | 1.80% | 30.22% | |
52 Neutral | $144.02M | -15.62 | -16.24% | ― | -3.90% | 96.81% |
* Financial Sector Average
CFBK
CF Bankshares
29.32
6.64
29.27%
LARK
Landmark Bancorp
27.40
1.34
5.16%
PNBK
Patriot National Bancorp
1.23
-2.89
-70.11%
MNSB
MainStreet Bancshares
23.85
5.11
27.30%
BVFL
BV Financial, Inc.
19.64
4.29
27.95%
CF Bankshares Corporate Events
Business Operations and StrategyStock Buyback
CF Bankshares Extends Stock Repurchase Program Into 2026
Positive
Dec 18, 2025
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 shar...
Executive/Board ChangesRegulatory Filings and Compliance
CF Bankshares Director Resigns Amid Ownership Changes
Neutral
Dec 17, 2025
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 af...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.