CF BANKSHARES INC (CFBK)
US12520L1098 - Common Stock
CFBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. CFBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. CFBK is not valued too expensively and it also shows a decent growth rate.
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.
In multiple years CFBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
CFBK has a better Return On Assets (1.39%) than 85.92% of its industry peers.
Looking at the Return On Equity, with a value of 18.41%, CFBK belongs to the top of the industry, outperforming 95.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 18.41% | ||
| ROIC | N/A |
ROA(3y)1.02%
ROA(5y)1.19%
ROE(3y)12.89%
ROE(5y)15.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 45.16%, CFBK belongs to the best of the industry, outperforming 97.82% of the companies in the same industry.
CFBK's Profit Margin has improved 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) | 45.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.74%
PM growth 5Y9.25%
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 increased 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 2.79. This is a good value and a sign of high solvency as CFBK would need 2.79 years to pay back of all of its debts.
CFBK has a Debt to FCF ratio (2.79) which is in line with its industry peers.
CFBK has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.31, CFBK is not doing good in the industry: 61.89% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 59.16%, which is quite impressive.
Measured over the past years, CFBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.31% on average per year.
CFBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.76%.
Measured over the past years, CFBK shows a very strong growth in Revenue. The Revenue has been growing by 20.18% on average per year.
EPS 1Y (TTM)59.16%
EPS 3Y-16.24%
EPS 5Y21.31%
EPS growth Q2Q-9.09%
Revenue 1Y (TTM)21.76%
Revenue growth 3Y-16.2%
Revenue growth 5Y20.18%
Revenue growth Q2Q-7.41%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-4.82%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.18, the valuation of CFBK can be described as very cheap.
97.82% 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 24.55.
With a Price/Forward Earnings ratio of 7.64, the valuation of CFBK can be described as very cheap.
Based on the Price/Forward Earnings ratio, CFBK is valued cheaply inside the industry as 84.47% of the companies are valued more expensively.
CFBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.18 | ||
| Fwd PE | 7.64 |
4.2 Price Multiples
71.84% of the companies in the same industry are more expensive than CFBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFBK has a Yearly Dividend Yield of 1.31%.
With a Dividend Yield of 1.31, CFBK pays less dividend than the industry average, which is at 3.86. 81.55% of the companies listed in the same industry pay a better dividend than CFBK!
With a Dividend Yield of 1.31, CFBK pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
The dividend of CFBK decreases each year by -3.56%.
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)-3.56%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
5.16% of the earnings are spent on dividend by CFBK. This is a low number and sustainable payout ratio.
CFBK's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP5.16%
EPS Next 2YN/A
EPS Next 3YN/A
CF BANKSHARES INC
NASDAQ:CFBK (4/30/2024, 7:00:00 PM)
18.48
-0.03 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap117.16M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.18 | ||
| Fwd PE | 7.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.39% | ||
| ROE | 18.41% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 45.16% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)59.16%
EPS 3Y-16.24%
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.82%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)21.76%
Revenue growth 3Y-16.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y