27.04 USD
+0.29 (+1.08%)
CFBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of CFBK have multiple concerns. CFBK is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
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 worse Return On Assets (0.75%) than 62.53% of its industry peers.
The Return On Equity of CFBK (8.78%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 8.78% | ||
| 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
CFBK has a better Profit Margin (26.61%) than 64.34% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.61% | ||
| 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.
CFBK has less shares outstanding than it did 1 year ago.
CFBK has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CFBK has a worse debt to assets ratio.
2.2 Solvency
CFBK has a debt to FCF ratio of 2.10. 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.
The Debt to FCF ratio of CFBK (2.10) is comparable to the rest of the industry.
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: 69.51% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 2.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.08%.
CFBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.34% yearly.
Looking at the last year, CFBK shows a decrease in Revenue. The Revenue has decreased by -5.78% in the last year.
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)-1.08%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%-44.67%
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%18.69%
3.2 Future
CFBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.16% yearly.
The Revenue is expected to grow by 10.28% on average over the next years. This is quite good.
EPS Next Y8.86%
EPS Next 2Y24.61%
EPS Next 3Y22.16%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.86, which indicates a very decent valuation of CFBK.
71.32% of the companies in the same industry are more expensive than CFBK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.19. CFBK is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.20, the valuation of CFBK can be described as very cheap.
CFBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. CFBK is cheaper than 93.02% of the companies in the same industry.
CFBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 7.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFBK is valued cheaper than 88.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CFBK's earnings are expected to grow with 22.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.23
PEG (5Y)31.98
EPS Next 2Y24.61%
EPS Next 3Y22.16%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.35%, CFBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.90, CFBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.92, CFBK is paying slightly less dividend.
| 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 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
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 2Y24.61%
EPS Next 3Y22.16%
NASDAQ:CFBK (1/9/2026, 8:00:00 PM)
27.04
+0.29 (+1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.76%
Inst Owner Change0%
Ins Owners16.9%
Ins Owner Change-1.82%
Market Cap174.14M
Revenue(TTM)59.18M
Net Income(TTM)15.75M
Analysts82.86
Price Target29.58 (9.39%)
Short Float %1.29%
Short Ratio1.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0.25
Dividend Growth(5Y)2.33%
DP11.94%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-12.64%
EPS NQ rev (3m)-12.64%
EPS NY rev (1m)-18.35%
EPS NY rev (3m)-18.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 7.2 | ||
| P/S | 2.94 | ||
| P/FCF | 6.31 | ||
| P/OCF | 6.16 | ||
| P/B | 0.97 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.49
EY9.21%
EPS(NY)3.75
Fwd EY13.88%
FCF(TTM)4.29
FCFY15.86%
OCF(TTM)4.39
OCFY16.24%
SpS9.19
BVpS27.84
TBVpS27.84
PEG (NY)1.23
PEG (5Y)31.98
Graham Number39.49
Profitability
| Industry Rank | Sector 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)0.82%
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC25.95%
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)-1.08%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%-44.67%
EPS Next Y8.86%
EPS Next 2Y24.61%
EPS Next 3Y22.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.78%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%18.69%
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 1Y70.47%
FCF growth 3Y-61.83%
FCF growth 5YN/A
OCF growth 1Y67.31%
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 for CFBK stock?
ChartMill assigns a valuation rating of 7 / 10 to CF BANKSHARES INC (CFBK). This can be considered as Undervalued.
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 10.86 and the Price/Book (PB) ratio is 0.97.
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%.