CF BANKSHARES INC (CFBK) Stock Fundamental Analysis

NASDAQ:CFBK • US12520L1098

30.215 USD
-0.12 (-0.41%)
Last: Mar 3, 2026, 03:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall CFBK gets a fundamental rating of 4 out of 10. We evaluated CFBK against 379 industry peers in the Banks industry. Both the profitability and financial health of CFBK have multiple concerns. CFBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year CFBK was profitable.
  • In the past year CFBK had a positive cash flow from operations.
  • Each year in the past 5 years CFBK has been profitable.
  • 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

  • The Return On Assets of CFBK (0.75%) is worse than 65.17% of its industry peers.
  • CFBK has a Return On Equity of 8.78%. This is comparable to the rest of the industry: CFBK outperforms 48.81% 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

  • CFBK has a Profit Margin of 26.61%. This is in the better half of the industry: CFBK outperforms 62.80% of its industry peers.
  • CFBK's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CFBK so they could not be analyzed.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 increased compared to 1 year ago.
  • 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

  • CFBK has a debt to FCF ratio of 2.10. This is a good value and a sign of high solvency as CFBK would need 2.10 years to pay back of all of its debts.
  • CFBK has a Debt to FCF ratio (2.10) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.32 indicates that CFBK is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.32, CFBK is not doing good in the industry: 69.13% of the companies in the same industry are doing better.
  • Even though the debt/equity ratio score it not favorable for CFBK, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.1
Altman-Z N/A
ROIC/WACCN/A
WACC24.52%
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. Growth

3.1 Past

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

3.2 Future

  • Based on estimates for the next years, CFBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.65% on average per year.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CFBK is valuated reasonably with a Price/Earnings ratio of 10.87.
  • 68.34% of the companies in the same industry are more expensive than CFBK, based on the Price/Earnings ratio.
  • CFBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
  • The Price/Forward Earnings ratio is 12.50, which indicates a correct valuation of CFBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CFBK indicates a slightly more expensive valuation: CFBK is more expensive than 65.44% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, CFBK is valued rather cheaply.
Industry RankSector Rank
PE 10.87
Fwd PE 12.5
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 cheaper than 86.28% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.02
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)0.15
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%

More info and screens

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

5

5. Dividend

5.1 Amount

  • CFBK has a Yearly Dividend Yield of 1.16%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, CFBK's dividend is way lower than its industry peers. On top of this 81.79% of the companies listed in the same industry pay a better dividend than CFBK!
  • Compared to the average S&P500 Dividend Yield of 1.82, CFBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.16%

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
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

More info and screens

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CF BANKSHARES INC

NASDAQ:CFBK (3/3/2026, 3:26:56 PM)

30.215

-0.12 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-04
Inst Owners47.76%
Inst Owner Change16.57%
Ins Owners16.9%
Ins Owner Change6.3%
Market Cap193.98M
Revenue(TTM)60.95M
Net Income(TTM)15.75M
Analysts82.86
Price Target29.58 (-2.1%)
Short Float %1.09%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 1.16%
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)-12.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.08%
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 10.87
Fwd PE 12.5
P/S 3.28
P/FCF 7.02
P/OCF 6.86
P/B 1.08
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.78
EY9.2%
EPS(NY)2.42
Fwd EY8%
FCF(TTM)4.3
FCFY14.24%
OCF(TTM)4.4
OCFY14.58%
SpS9.22
BVpS27.93
TBVpS27.93
PEG (NY)N/A
PEG (5Y)0.15
Graham Number41.8
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
WACC24.52%
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 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 for CFBK stock?

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


What is the profitability of CFBK stock?

CF BANKSHARES INC (CFBK) has a profitability rating of 3 / 10.


What is the valuation of CF BANKSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CF BANKSHARES INC (CFBK) is 10.87 and the Price/Book (PB) ratio is 1.08.


Can you provide the dividend sustainability for CFBK stock?

The dividend rating of CF BANKSHARES INC (CFBK) is 5 / 10 and the dividend payout ratio is 11.94%.