CF BANKSHARES INC (CFBK) Stock Fundamental Analysis
USA - NASDAQ:CFBK - US12520L1098 - Common Stock
23.39 USD
-0.14 (-0.59%)
Overall CFBK gets a fundamental rating of 4 out of 10. We evaluated CFBK against 390 industry peers in the Banks industry. CFBK has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on CFBK.
1. Profitability
1.1 Basic Checks
CFBK had positive earnings in the past year.
CFBK had a positive operating cash flow in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.82%, CFBK is in line with its industry, outperforming 47.18% of the companies in the same industry.
CFBK has a Return On Equity of 9.91%. This is in the better half of the industry: CFBK outperforms 63.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 9.91% | ||
| ROIC | N/A |
ROA(3y)0.82%
ROA(5y)1.11%
ROE(3y)10.56%
ROE(5y)14.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 30.92%, CFBK belongs to the best of the industry, outperforming 83.33% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.92% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.9%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFBK has been reduced compared to 1 year ago.
Compared to 5 years ago, CFBK has more shares outstanding
Compared to 1 year ago, CFBK has a worse debt to assets ratio.
2.2 Solvency
CFBK has a debt to FCF ratio of 2.75. This is a good value and a sign of high solvency as CFBK would need 2.75 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.75, CFBK is in line with its industry, outperforming 41.03% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that CFBK is not too dependend on debt financing.
The Debt to Equity ratio of CFBK (0.33) is worse than 70.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.40%.
Measured over the past 5 years, CFBK shows a small growth in Earnings Per Share. The EPS has been growing by 0.34% on average per year.
The Revenue for CFBK has decreased by -23.71% in the past year. This is quite bad
Measured over the past years, CFBK shows a quite strong growth in Revenue. The Revenue has been growing by 9.17% on average per year.
EPS 1Y (TTM)-35.4%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%4.09%
Revenue 1Y (TTM)-23.71%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%-42.87%
3.2 Future
Based on estimates for the next years, CFBK will show a very strong growth in Earnings Per Share. The EPS will grow by 25.28% on average per year.
Based on estimates for the next years, CFBK will show a quite strong growth in Revenue. The Revenue will grow by 10.28% on average per year.
EPS Next Y33.33%
EPS Next 2Y25.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.09%
Revenue Next 2Y10.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.41, the valuation of CFBK can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CFBK indicates a rather cheap valuation: CFBK is cheaper than 88.21% of the companies listed in the same industry.
CFBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.19.
With a Price/Forward Earnings ratio of 6.16, the valuation of CFBK can be described as very cheap.
94.62% of the companies in the same industry are more expensive than CFBK, based on the Price/Forward Earnings ratio.
CFBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 6.16 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFBK is valued cheaply inside the industry as 84.87% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CFBK's earnings are expected to grow with 25.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)24.78
EPS Next 2Y25.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFBK has a Yearly Dividend Yield of 1.36%. Purely for dividend investing, there may be better candidates out there.
CFBK's Dividend Yield is slightly below the industry average, which is at 3.49.
With a Dividend Yield of 1.36, CFBK pays less dividend than the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
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
5.3 Sustainability
9.97% of the earnings are spent on dividend by CFBK. This is a low number and sustainable payout ratio.
CFBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.97%
EPS Next 2Y25.28%
EPS Next 3YN/A
NASDAQ:CFBK (10/30/2025, 8:00:00 PM)
23.39
-0.14 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.54%
Inst Owner Change0.05%
Ins Owners17.79%
Ins Owner Change-2.08%
Market Cap150.63M
Revenue(TTM)56.74M
Net Income(TTM)17.55M
Analysts82.86
Price Target29.58 (26.46%)
Short Float %1.12%
Short Ratio1.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
Yearly Dividend0.25
Dividend Growth(5Y)2.33%
DP9.97%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)9.09%
EPS NY rev (1m)-0.63%
EPS NY rev (3m)5.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.41 | ||
| Fwd PE | 6.16 | ||
| P/S | 2.65 | ||
| P/FCF | 7.14 | ||
| P/OCF | 7 | ||
| P/B | 0.85 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY11.89%
EPS(NY)3.79
Fwd EY16.22%
FCF(TTM)3.28
FCFY14.01%
OCF(TTM)3.34
OCFY14.29%
SpS8.81
BVpS27.49
TBVpS27.49
PEG (NY)0.25
PEG (5Y)24.78
Graham Number41.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 9.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.92% | ||
| GM | N/A | ||
| FCFM | 37.2% |
ROA(3y)0.82%
ROA(5y)1.11%
ROE(3y)10.56%
ROE(5y)14.24%
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-9.9%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 90.21% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.3% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC27.57%
ROIC/WACCN/A
Cap/Depr(3y)117.1%
Cap/Depr(5y)240.26%
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.91%
Profit Quality(3y)141.26%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-35.4%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%4.09%
EPS Next Y33.33%
EPS Next 2Y25.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-23.71%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%-42.87%
Revenue Next Year10.09%
Revenue Next 2Y10.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y54.07%
FCF growth 3Y-61.83%
FCF growth 5YN/A
OCF growth 1Y46.47%
OCF growth 3Y-61.74%
OCF growth 5YN/A
CF BANKSHARES INC / CFBK FAQ
Can you provide the ChartMill fundamental rating for CF BANKSHARES INC?
ChartMill assigns a fundamental rating of 4 / 10 to CFBK.
What is the valuation status of CF BANKSHARES INC (CFBK) stock?
ChartMill assigns a valuation rating of 8 / 10 to CF BANKSHARES INC (CFBK). This can be considered as Undervalued.
How profitable is CF BANKSHARES INC (CFBK) stock?
CF BANKSHARES INC (CFBK) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for CFBK stock?
The Price/Earnings (PE) ratio for CF BANKSHARES INC (CFBK) is 8.41 and the Price/Book (PB) ratio is 0.85.
How financially healthy is CF BANKSHARES INC?
The financial health rating of CF BANKSHARES INC (CFBK) is 2 / 10.