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Cf Bankshares Inc (CFBK)
:CFBK
US Market

CF Bankshares (CFBK) AI Stock Analysis

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CF Bankshares

(NASDAQ:CFBK)

Rating:73Outperform
Price Target:
$26.00
â–²(7.71%Upside)
CF Bankshares has a robust financial performance, underpinned by strong revenue growth and a solid balance sheet. The valuation metrics are attractive, suggesting potential undervaluation. Technical indicators imply a neutral to slight bearish trend, with some signals of oversold conditions. The absence of recent earnings call data and notable corporate events means these factors do not influence the score.

CF Bankshares (CFBK) vs. SPDR S&P 500 ETF (SPY)

CF Bankshares Business Overview & Revenue Model

Company DescriptionCF Bankshares (CFBK) is a bank holding company headquartered in Worthington, Ohio. It operates through its subsidiary, CFBank, which provides a range of financial services to individual and business clients. The company primarily focuses on offering commercial banking services, including commercial lending, residential mortgage lending, and deposit products. CFBank serves its customers through multiple locations in Ohio and surrounding areas, emphasizing personalized service and community banking.
How the Company Makes MoneyCF Bankshares makes money primarily through its subsidiary, CFBank, by generating interest income from its lending activities. The company extends loans to businesses and individuals, including commercial loans, residential mortgages, and consumer loans. Interest earned on these loans constitutes a significant portion of the company's revenue. In addition, CFBank earns non-interest income through various fees and service charges related to deposit accounts, transaction processing, and other financial services. The bank also invests in securities, which provides additional interest income. Strategic partnerships with financial service providers and a focus on expanding its customer base through community engagement further contribute to its earnings.

CF Bankshares Financial Statement Overview

Summary
CF Bankshares exhibits strong revenue growth and a solid equity base with zero debt, indicating financial stability. However, declining net income and volatile cash flows are concerning for profitability and cash management.
Income Statement
65
Positive
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
75
Positive
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
60
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue60.56M122.16M49.35M51.31M53.33M87.50M
Gross Profit51.88M43.68M51.05M51.31M53.33M87.50M
EBITDA13.15M16.63M0.000.0021.11M36.66M
Net Income14.61M13.39M16.94M18.16M18.45M29.61M
Balance Sheet
Total Assets2.09B2.07B2.06B1.82B1.50B1.48B
Cash, Cash Equivalents and Short-Term Investments249.78M243.96M258.30M162.23M182.94M230.40M
Total Debt0.00113.91M130.26M125.82M106.64M230.80M
Total Liabilities1.92B1.90B1.90B1.68B1.37B1.37B
Stockholders Equity172.68M168.44M155.37M139.25M125.33M110.21M
Cash Flow
Free Cash Flow18.15M13.92M17.39M38.86M250.34M-123.85M
Operating Cash Flow17.56M14.19M18.05M39.76M253.30M-123.47M
Investing Cash Flow-54.14M-32.99M-121.85M-353.32M-316.73M-259.75M
Financing Cash Flow40.68M-7.52M213.61M298.75M8.42M558.93M

CF Bankshares Technical Analysis

Technical Analysis Sentiment
Positive
Last Price24.14
Price Trends
50DMA
23.69
Positive
100DMA
23.00
Positive
200DMA
23.82
Positive
Market Momentum
MACD
0.13
Negative
RSI
66.13
Neutral
STOCH
79.94
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 24.14 is above the 20-day moving average (MA) of 23.73, above the 50-day MA of 23.69, and above the 200-day MA of 23.82, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 66.13 is Neutral, neither overbought nor oversold. The STOCH value of 79.94 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 35 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$156.82M10.658.65%1.16%5.51%-5.63%
72
Outperform
$138.13M12.266.42%3.28%6.51%27.04%
69
Neutral
$147.14M11.647.29%2.49%-1.15%-1.80%
67
Neutral
$17.01B11.909.70%3.76%11.63%-9.47%
67
Neutral
$146.43M15.976.82%4.26%13.55%3.11%
63
Neutral
$122.20M36.762.18%1.69%-7.58%-78.69%
62
Neutral
$120.89M24.224.90%1.61%8.04%-16.23%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CFBK
CF Bankshares
24.20
5.88
32.10%
CZWI
Citizens Community Bancorp
14.73
3.83
35.14%
EBMT
Eagle Bancorp Montana
17.50
5.10
41.13%
SFBC
Sound Financial Bancorp
47.18
5.33
12.74%
RMBI
Richmond Mutual Bancorporation
14.05
3.07
27.96%
FNWD
Finward Bancorp
28.25
4.01
16.54%

CF Bankshares Corporate Events

Executive/Board ChangesShareholder Meetings
CF Bankshares Elects New Directors at Annual Meeting
Neutral
Jun 4, 2025

CF Bankshares Inc. held its Annual Meeting of Stockholders on June 4, 2025, where 4,050,359 shares were represented in person or by proxy. During the meeting, Thomas P. Ash, James H. Frauenberg, and David L. Royer were elected as directors for three-year terms expiring in 2028. Additionally, the stockholders approved proposals regarding executive compensation and the appointment of Plante & Moran PLCC as the independent registered public accounting firm for the fiscal year ending December 31, 2025.

The most recent analyst rating on (CFBK) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on CF Bankshares stock, see the CFBK Stock Forecast page.

Shareholder MeetingsRegulatory Filings and Compliance
CF Bankshares to Hold Virtual Annual Meeting
Neutral
Jun 4, 2025

CF Bankshares Inc. announced that its Annual Meeting of Stockholders will be held virtually via live webcast on June 4, 2025, at 10:00 a.m. Eastern Daylight Saving Time. The company has provided additional information and slides in conjunction with the meeting, which are incorporated by reference in their Form 8-K filing.

The most recent analyst rating on (CFBK) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on CF Bankshares stock, see the CFBK Stock Forecast page.

Shareholder MeetingsFinancial Disclosures
CF Bankshares Distributes 2024 Annual Report to Stockholders
Neutral
May 5, 2025

On or about May 5, 2025, CF Bankshares Inc. distributed its Proxy Statement and 2024 Annual Report to stockholders in preparation for the Annual Meeting scheduled for June 4, 2025. The 2024 Annual Report included a letter addressing the company’s performance in 2024 and its outlook for 2025, providing insights into the company’s operations and future plans.

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.Date of analysis: Jun 22, 2025