CF BANKSHARES INC (CFBK) Fundamental Analysis & Valuation

NASDAQ:CFBK • US12520L1098

Current stock price

27.91 USD
+0.11 (+0.4%)
Last:

This CFBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CFBK Profitability Analysis

1.1 Basic Checks

  • CFBK had positive earnings in the past year.
  • In the past year CFBK had a positive cash flow from operations.
  • CFBK had positive earnings in each of the past 5 years.
  • CFBK had a positive operating cash flow in 4 of the past 5 years.
CFBK Yearly Net Income VS EBIT VS OCF VS FCFCFBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • With a Return On Assets value of 0.75%, CFBK is not doing good in the industry: 68.68% of the companies in the same industry are doing better.
  • CFBK's Return On Equity of 8.78% is in line compared to the rest of the industry. CFBK outperforms 45.26% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.9%
ROE(3y)9.28%
ROE(5y)11.12%
ROIC(3y)N/A
ROIC(5y)N/A
CFBK Yearly ROA, ROE, ROICCFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With a Profit Margin value of 26.61%, CFBK perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CFBK has declined.
  • CFBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.22%
PM growth 5Y-2.17%
GM growth 3YN/A
GM growth 5YN/A
CFBK Yearly Profit, Operating, Gross MarginsCFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. CFBK Health Analysis

2.1 Basic Checks

  • CFBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CFBK has more shares outstanding
  • Compared to 5 years ago, CFBK has less shares outstanding
  • CFBK has a better debt/assets ratio than last year.
CFBK Yearly Shares OutstandingCFBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
CFBK Yearly Total Debt VS Total AssetsCFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of CFBK is 2.10, which is a good value as it means it would take CFBK, 2.10 years of fcf income to pay off all of its debts.
  • CFBK's Debt to FCF ratio of 2.10 is in line compared to the rest of the industry. CFBK outperforms 47.11% of its industry peers.
  • CFBK has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • CFBK has a worse Debt to Equity ratio (0.32) than 68.95% of its industry peers.
  • Although CFBK's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.1
Altman-Z N/A
ROIC/WACCN/A
WACC25.4%
CFBK Yearly LT Debt VS Equity VS FCFCFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFBK Yearly Current Assets VS Current LiabilitesCFBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CFBK Growth Analysis

3.1 Past

  • The earnings per share for CFBK have decreased by -8.55% in the last year.
  • Measured over the past years, CFBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.02% on average per year.
  • CFBK shows a decrease in Revenue. In the last year, the revenue decreased by -4.78%.
  • CFBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.26% yearly.
EPS 1Y (TTM)-8.55%
EPS 3Y11.05%
EPS 5Y71.02%
EPS Q2Q%28.62%
Revenue 1Y (TTM)-4.78%
Revenue growth 3Y15.88%
Revenue growth 5Y29.26%
Sales Q2Q%12.64%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.65% on average over the next years. This is quite good.
  • Based on estimates for the next years, CFBK will show a small growth in Revenue. The Revenue will grow by 6.62% on average per year.
EPS Next Y-8.64%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
EPS Next 5Y9.65%
Revenue Next Year-3.4%
Revenue Next 2Y3.07%
Revenue Next 3Y5.36%
Revenue Next 5Y6.62%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CFBK Yearly Revenue VS EstimatesCFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
CFBK Yearly EPS VS EstimatesCFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. CFBK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.04 indicates a reasonable valuation of CFBK.
  • Based on the Price/Earnings ratio, CFBK is valued a bit cheaper than 77.37% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, CFBK is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.55, the valuation of CFBK can be described as very reasonable.
  • CFBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CFBK is more expensive than 61.84% of the companies in the same industry.
  • CFBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.61.
Industry RankSector Rank
PE 10.04
Fwd PE 11.55
CFBK Price Earnings VS Forward Price EarningsCFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CFBK is valued cheaply inside the industry as 87.11% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.58
EV/EBITDA N/A
CFBK Per share dataCFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.14
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CFBK Dividend Analysis

5.1 Amount

  • CFBK has a Yearly Dividend Yield of 1.29%.
  • Compared to an average industry Dividend Yield of 2.66, CFBK is paying slightly less dividend.
  • CFBK's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.29%

5.2 History

  • The dividend of CFBK has a limited annual growth rate of 2.33%.
  • CFBK has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CFBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.33%
Div Incr Years4
Div Non Decr Years4
CFBK Yearly Dividends per shareCFBK Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • CFBK pays out 11.94% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of CFBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP11.94%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
CFBK Yearly Income VS Free CF VS DividendCFBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
CFBK Dividend Payout.CFBK Dividend Payout, showing the Payout Ratio.CFBK Dividend Payout.PayoutRetained Earnings

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CFBK Fundamentals: All Metrics, Ratios and Statistics

CF BANKSHARES INC

NASDAQ:CFBK (3/31/2026, 8:24:34 PM)

27.91

+0.11 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-04
Inst Owners56.07%
Inst Owner Change17.1%
Ins Owners18.04%
Ins Owner Change6.3%
Market Cap181.69M
Revenue(TTM)60.95M
Net Income(TTM)15.75M
Analysts82.86
Price Target29.58 (5.98%)
Short Float %1.21%
Short Ratio1.11
Dividend
Industry RankSector Rank
Dividend Yield 1.29%
Yearly Dividend0.25
Dividend Growth(5Y)2.33%
DP11.94%
Div Incr Years4
Div Non Decr Years4
Ex-Date01-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-26.57%
Min EPS beat(2)-57.98%
Max EPS beat(2)4.85%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.03%
Min Revenue beat(2)-5.8%
Max Revenue beat(2)-4.26%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 11.55
P/S 3.07
P/FCF 6.58
P/OCF 6.43
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.78
EY9.96%
EPS(NY)2.42
Fwd EY8.66%
FCF(TTM)4.24
FCFY15.2%
OCF(TTM)4.34
OCFY15.56%
SpS9.09
BVpS27.54
TBVpS27.54
PEG (NY)N/A
PEG (5Y)0.14
Graham Number41.51
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.61%
GM N/A
FCFM 46.66%
ROA(3y)0.75%
ROA(5y)0.9%
ROE(3y)9.28%
ROE(5y)11.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.22%
PM growth 5Y-2.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.1
Debt/EBITDA N/A
Cap/Depr 141.11%
Cap/Sales 1.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 175.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC25.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.55%
EPS 3Y11.05%
EPS 5Y71.02%
EPS Q2Q%28.62%
EPS Next Y-8.64%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
EPS Next 5Y9.65%
Revenue 1Y (TTM)-4.78%
Revenue growth 3Y15.88%
Revenue growth 5Y29.26%
Sales Q2Q%12.64%
Revenue Next Year-3.4%
Revenue Next 2Y3.07%
Revenue Next 3Y5.36%
Revenue Next 5Y6.62%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y193.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y197.41%
OCF growth 3YN/A
OCF growth 5YN/A

CF BANKSHARES INC / CFBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CF BANKSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to CFBK.


Can you provide the valuation status for CF BANKSHARES INC?

ChartMill assigns a valuation rating of 5 / 10 to CF BANKSHARES INC (CFBK). This can be considered as Fairly Valued.


Can you provide the profitability details for CF BANKSHARES INC?

CF BANKSHARES INC (CFBK) has a profitability rating of 2 / 10.


What is the financial health of CF BANKSHARES INC (CFBK) stock?

The financial health rating of CF BANKSHARES INC (CFBK) is 3 / 10.


Can you provide the expected EPS growth for CFBK stock?

The Earnings per Share (EPS) of CF BANKSHARES INC (CFBK) is expected to decline by -8.64% in the next year.