CFBK Fundamental Analysis - CF BANKSHARES INC

Fundamental Rating

CFBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. CFBK has a bad profitability rating. Also its financial health evaluation is rather negative. CFBK has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

CFBK had positive earnings in the past year.

In the past year CFBK had a positive cash flow from operations.

Each year in the past 5 years CFBK has been profitable.

Of the past 5 years CFBK 4 years had a positive operating cash flow.

1.2 Ratios

CFBK has a Return On Assets (0.83%) which is in line with its industry peers.

Looking at the Return On Equity, with a value of 10.03%, CFBK is in the better half of the industry, outperforming 67.60% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.83%
ROE	10.03%
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

Looking at the Profit Margin, with a value of 26.27%, CFBK is in the better half of the industry, outperforming 66.84% of the companies in the same industry.

CFBK's Profit Margin has declined in the last couple of years.

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)	26.27%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

CFBK has a worse debt/assets ratio than last year.

2.2 Solvency

CFBK has a debt to FCF ratio of 2.88. This is a good value and a sign of high solvency as CFBK would need 2.88 years to pay back of all of its debts.

The Debt to FCF ratio of CFBK (2.88) is worse than 61.73% of its industry peers.

CFBK has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.

CFBK has a Debt to Equity ratio of 0.29. This is in the lower half of the industry: CFBK underperforms 69.39% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	2.88
Altman-Z	N/A

ROIC/WACCN/A

WACC27.03%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

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.

The Revenue has decreased by -3.13% in the past year.

Measured over the past years, CFBK shows a very strong growth in Revenue. The Revenue has been growing by 29.26% on average per year.

EPS 1Y (TTM)-8.55%

EPS 3Y11.05%

EPS 5Y71.02%

EPS Q2Q%N/A

Revenue 1Y (TTM)-3.13%

Revenue growth 3Y15.88%

Revenue growth 5Y29.26%

Sales Q2Q%-37.11%

3.2 Future

CFBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.92% yearly.

CFBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.64% yearly.

EPS Next Y-8.64%

EPS Next 2Y-6.75%

EPS Next 3Y3.14%

EPS Next 5Y5.92%

Revenue Next Year-3.4%

Revenue Next 2Y3.07%

Revenue Next 3Y4.19%

Revenue Next 5Y5.64%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.66, the valuation of CFBK can be described as reasonable.

Based on the Price/Earnings ratio, CFBK is valued cheaply inside the industry as 89.80% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of CFBK to the average of the S&P500 Index (26.54), we can say CFBK is valued rather cheaply.

The Price/Forward Earnings ratio is 9.96, which indicates a very decent valuation of CFBK.

The rest of the industry has a similar Price/Forward Earnings ratio as CFBK.

CFBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.28.

		Industry Rank	Sector Rank
PE	8.66
Fwd PE	9.96

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFBK is valued a bit cheaper than 70.41% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.05
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.12

EPS Next 2Y-6.75%

EPS Next 3Y3.14%

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5. Dividend

5.1 Amount

CFBK has a Yearly Dividend Yield of 1.35%.

Compared to an average industry Dividend Yield of 3.51, CFBK is paying slightly less dividend.

With a Dividend Yield of 1.35, CFBK pays less dividend than the S&P500 average, which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	1.35%

5.2 History

The dividend of CFBK has a limited annual growth rate of 2.33%.

CFBK has paid a dividend for at least 10 years, which is 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

9.71% of the earnings are spent on dividend by CFBK. This is a low number and sustainable payout ratio.

The dividend of CFBK is growing, but earnings are growing more, so the dividend growth is sustainable.

DP9.71%

EPS Next 2Y-6.75%

EPS Next 3Y3.14%

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CF BANKSHARES INC

NASDAQ:CFBK (8/8/2025, 10:29:09 AM)

24.07

+0.35 (+1.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-04 2025-08-04/bmo

Earnings (Next)10-28 2025-10-28

Inst Owners38.31%

Inst Owner Change-1.89%

Ins Owners20.99%

Ins Owner Change6.13%

Market Cap155.97M

Analysts82.86

Price Target29.58 (22.89%)

Short Float %2.15%

Short Ratio2.91

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.35%

Yearly Dividend0.25

Dividend Growth(5Y)2.33%

DP9.71%

Div Incr Years4

Div Non Decr Years4

Ex-Date07-11 2025-07-11 (0.08)

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)61.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)N/A

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	8.66
Fwd PE	9.96
P/S	2.37
P/FCF	9.05
P/OCF	8.88
P/B	0.9
P/tB	0.9
EV/EBITDA	N/A

EPS(TTM)2.78

EY11.55%

EPS(NY)2.42

Fwd EY10.04%

FCF(TTM)2.66

FCFY11.05%

OCF(TTM)2.71

OCFY11.26%

SpS10.18

BVpS26.65

TBVpS26.65

PEG (NY)N/A

PEG (5Y)0.12

Profitability

		Industry Rank	Sector Rank
ROA	0.83%
ROE	10.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.27%
GM	N/A
FCFM	26.15%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.29
Debt/FCF	2.88
Debt/EBITDA	N/A
Cap/Depr	66.88%
Cap/Sales	0.48%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.53%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC27.03%

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)-8.55%

EPS 3Y11.05%

EPS 5Y71.02%

EPS Q2Q%N/A

EPS Next Y-8.64%

EPS Next 2Y-6.75%

EPS Next 3Y3.14%

EPS Next 5Y5.92%

Revenue 1Y (TTM)-3.13%

Revenue growth 3Y15.88%

Revenue growth 5Y29.26%

Sales Q2Q%-37.11%

Revenue Next Year-3.4%

Revenue Next 2Y3.07%

Revenue Next 3Y4.19%

Revenue Next 5Y5.64%

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 1Y-28.17%

FCF growth 3Y-61.83%

FCF growth 5YN/A

OCF growth 1Y-30.06%

OCF growth 3Y-61.74%

OCF growth 5YN/A

CF BANKSHARES INC (CFBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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