24.52 USD
-0.43 (-1.72%)
24.52 USD
0 (0%)
CFBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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
In the past year CFBK was profitable.
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
With a Return On Assets value of 0.75%, CFBK is not doing good in the industry: 62.37% of the companies in the same industry are doing better.
With a Return On Equity value of 8.78%, CFBK perfoms like the industry average, outperforming 49.74% of the companies in the same 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 Profit Margin of 26.61%. This is in the better half of the industry: CFBK outperforms 64.43% 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.
Compared to 1 year ago, CFBK has less shares outstanding
Compared to 5 years ago, CFBK has more shares outstanding
The debt/assets ratio for CFBK is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CFBK is 2.10, which is a good value as it means it would take CFBK, 2.10 years of fcf income to pay off all of its debts.
CFBK has a Debt to FCF ratio (2.10) which 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.
CFBK's Debt to Equity ratio of 0.32 is on the low side compared to the rest of the industry. CFBK is outperformed by 69.59% of its industry peers.
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
WACC27.08%
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%.
The Earnings Per Share has been growing slightly by 0.34% on average over the past years.
Looking at the last year, CFBK shows a decrease in Revenue. The Revenue has decreased by -5.78% in the last year.
CFBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
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
Based on estimates for the next years, CFBK will show a very strong growth in Earnings Per Share. The EPS will grow by 22.16% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
CFBK is valuated reasonably with a Price/Earnings ratio of 9.85.
Based on the Price/Earnings ratio, CFBK is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.60. CFBK is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.53, which indicates a rather cheap valuation of CFBK.
CFBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. CFBK is cheaper than 94.07% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, CFBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 6.53 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFBK is valued cheaply inside the industry as 89.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as CFBK's earnings are expected to grow with 22.16% in the coming years.
PEG (NY)1.11
PEG (5Y)29
EPS Next 2Y24.61%
EPS Next 3Y22.16%
5. Dividend
5.1 Amount
CFBK has a Yearly Dividend Yield of 1.23%.
CFBK's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to the average S&P500 Dividend Yield of 2.00, CFBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
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
11.94% 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.
DP11.94%
EPS Next 2Y24.61%
EPS Next 3Y22.16%
24.52
-0.43 (-1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.42%
Inst Owner Change27.39%
Ins Owners16.87%
Ins Owner Change-1.82%
Market Cap157.91M
Revenue(TTM)59.18M
Net Income(TTM)15.75M
Analysts82.86
Price Target29.58 (20.64%)
Short Float %1.29%
Short Ratio1.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
Yearly Dividend0.25
Dividend Growth(5Y)2.33%
DP11.94%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
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 | 9.85 | ||
| Fwd PE | 6.53 | ||
| P/S | 2.67 | ||
| P/FCF | 5.72 | ||
| P/OCF | 5.58 | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.49
EY10.15%
EPS(NY)3.75
Fwd EY15.31%
FCF(TTM)4.29
FCFY17.49%
OCF(TTM)4.39
OCFY17.91%
SpS9.19
BVpS27.84
TBVpS27.84
PEG (NY)1.11
PEG (5Y)29
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
WACC27.08%
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 9.85 and the Price/Book (PB) ratio is 0.88.
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%.