CF Bankshares (CFBK)
NASDAQ:CFBK
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CF Bankshares
(NASDAQ:CFBK)
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Rating:66Neutral
Price Target:
$31.00
▲(17.47% Upside)
Action:Reiterated
Date:05/28/26
Overall score reflects stable financial health and cash generation with improving leverage, offset by a sharp TTM revenue decline and heightened cyclical credit-risk considerations from the loan mix shift. Valuation is supportive (low P/E), while technical signals are mixed and corporate events are mildly positive but limited in fundamental impact.
Positive Factors
Cash Generation Quality
Very high free cash flow relative to net income indicates durable cash conversion. This supports internal funding for lending, reserves, and modest shareholder distributions without heavy external financing, improving financial flexibility and resilience over the next several quarters.
Negative Factors
Sharp Revenue Decline
A ~37% TTM revenue drop is a material structural headwind that weakens scale economics and could depress future margins and loan-funding capacity. Sustained top-line erosion would constrain reinvestment, limit fee income growth, and pressure long-term earnings power.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation Quality
Very high free cash flow relative to net income indicates durable cash conversion. This supports internal funding for lending, reserves, and modest shareholder distributions without heavy external financing, improving financial flexibility and resilience over the next several quarters.
Read all positive factors
CF Bankshares Key Performance Indicators (KPIs)
CF Bankshares (CFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$196.95M
Dividend Yield1.16%
Average Volume (3M)31.27K
Price to Earnings (P/E)10.7
Beta (1Y)0.92
Revenue Growth0.91%
EPS Growth22.40%
CountryUS
Employees102
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.19
Enterprise Value/Revenue0.30
Enterprise Value/Gross Profit0.71
Enterprise Value/Ebitda1.71
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
CF Bankshares Business Overview & Revenue Model
Company Description
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 bus...
How the Company Makes Money
CF Bankshares generates earnings primarily through its bank subsidiary by (1) net interest income—earning interest and fees on loans and other interest-earning assets and paying interest on deposits and other funding sources, with profitability dr...
CF Bankshares Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
68
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 124.73M | 125.90M | 122.16M | 111.69M | 70.28M | 63.64M |
| Gross Profit | 52.97M | 52.69M | 43.68M | 48.73M | 50.52M | 54.93M |
| EBITDA | 22.07M | 21.53M | 16.63M | 21.55M | 23.09M | 23.25M |
| Net Income | 17.80M | 17.00M | 13.39M | 16.94M | 18.16M | 18.45M |
Balance Sheet | ||||||
| Total Assets | 2.15B | 2.12B | 2.07B | 2.06B | 1.82B | 1.50B |
| Cash, Cash Equivalents and Short-Term Investments | 285.25M | 276.47M | 244.06M | 269.79M | 162.33M | 183.04M |
| Total Debt | 122.09M | 121.88M | 113.91M | 130.26M | 125.82M | 106.64M |
| Total Liabilities | 1.96B | 1.93B | 1.90B | 1.90B | 1.68B | 1.37B |
| Stockholders Equity | 188.96M | 184.43M | 168.44M | 155.37M | 139.25M | 125.33M |
Cash Flow | ||||||
| Free Cash Flow | 20.50M | 18.20M | 13.92M | 17.39M | 38.86M | 250.34M |
| Operating Cash Flow | 21.21M | 18.69M | 14.19M | 18.05M | 39.76M | 253.30M |
| Investing Cash Flow | -24.83M | -25.04M | -32.99M | -121.85M | -353.32M | -316.73M |
| Financing Cash Flow | 30.39M | 30.05M | -7.52M | 213.61M | 298.75M | 8.42M |
CF Bankshares Technical Analysis
Positive
26.39
Price Trends
28.53
Positive
29.11
Positive
26.62
Positive
Market Momentum
0.44
Negative
69.03
Neutral
70.80
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 28.35, below the 50-day MA of 28.53, and below the 200-day MA of 26.62, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 69.03 is Neutral, neither overbought nor oversold. The STOCH value of 70.80 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $176.83M | 9.22 | 12.22% | 3.01% | 4.70% | 27.81% | |
69 Neutral | $173.67M | 10.58 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $196.95M | 10.68 | 9.76% | 1.16% | 0.91% | 22.40% | |
63 Neutral | $170.67M | 13.25 | 6.61% | ― | 5.29% | 31.40% | |
52 Neutral | $110.02M | -6.25 | -13.51% | ― | 2.17% | 98.76% |
* Financial Sector Average
CFBK
CF Bankshares
30.25
6.70
28.45%
LARK
Landmark Bancorp
29.00
2.91
11.17%
PNBK
Patriot National Bancorp
0.94
-0.17
-15.00%
MNSB
MainStreet Bancshares
24.40
6.29
34.74%
BVFL
BV Financial, Inc.
19.71
5.18
35.65%
CF Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
CF Bankshares Shareholders Back Directors, Pay and Auditor
Positive
May 28, 2026
CF Bankshares Inc. held its Annual Meeting of Stockholders on May 27, 2026, with 4,584,467 of 6,422,917 eligible shares represented in person or by proxy, reflecting a strong level of shareholder participation. At the meeting, shareholders elected...
Business Operations and StrategyShareholder Meetings
CF Bankshares Provides Shareholder Update Before 2026 Meeting
Neutral
May 27, 2026
CF Bankshares Inc., a regional banking and financial services provider, has outlined its operations to stockholders ahead of its 2026 Annual Meeting of Stockholders. The company disclosed that it is furnishing a slide presentation in connection wi...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
CF Bankshares Issues 2026 Proxy and Outlook Communication
Neutral
Apr 24, 2026
On or about April 24, 2026, CF Bankshares Inc. mailed its proxy statement for the 2026 annual meeting of stockholders, scheduled for May 27, 2026, together with the company’s 2025 Annual Report to shareholders. The annual report package incl...
Executive/Board Changes
CF Bankshares Appoints President Bradley Ringwald to Board
Neutral
Mar 26, 2026
On March 25, 2026, CF Bankshares Inc. and its subsidiary CFBank, National Association, appointed President Bradley Ringwald to their boards of directors, filling the vacancies created by the previously reported resignation of director Sundeep Rana...
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.