CF BANKSHARES INC (CFBK) Stock Fundamental Analysis
USA - NASDAQ:CFBK - US12520L1098 - Common Stock
23.98 USD
+0.38 (+1.59%)
Overall CFBK gets a fundamental rating of 4 out of 10. We evaluated CFBK against 391 industry peers in the Banks industry. CFBK may be in some trouble as it scores bad on both profitability and health. CFBK may be a bit undervalued, certainly considering the very reasonable score on growth
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 0.82%, CFBK perfoms like the industry average, outperforming 47.57% of the companies in the same industry.
CFBK has a better Return On Equity (9.91%) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 9.91% | ||
| 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 30.92%. This is amongst the best in the industry. CFBK outperforms 83.38% of its industry peers.
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) | 30.92% | ||
| 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.
Compared to 5 years ago, CFBK has more shares outstanding
CFBK has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CFBK is 2.75, which is a good value as it means it would take CFBK, 2.75 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CFBK (2.75) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.33 indicates that CFBK is not too dependend on debt financing.
CFBK's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. CFBK is outperformed by 70.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CFBK have decreased strongly by -35.40% in the last year.
CFBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.34% yearly.
The Revenue for CFBK has decreased by -23.71% in the past year. This is quite bad
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)-35.4%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%4.09%
Revenue 1Y (TTM)-23.71%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%-42.87%
3.2 Future
CFBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.28% yearly.
Based on estimates for the next years, CFBK will show a quite strong growth in Revenue. The Revenue will grow by 10.28% on average per year.
EPS Next Y34.18%
EPS Next 2Y25.28%
EPS Next 3YN/A
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
Based on the Price/Earnings ratio of 8.63, the valuation of CFBK can be described as reasonable.
Based on the Price/Earnings ratio, CFBK is valued cheaply inside the industry as 88.75% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CFBK to the average of the S&P500 Index (26.91), we can say CFBK is valued rather cheaply.
The Price/Forward Earnings ratio is 6.32, which indicates a rather cheap valuation of CFBK.
Based on the Price/Forward Earnings ratio, CFBK is valued cheaper than 94.37% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.92. CFBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 6.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFBK is valued cheaply inside the industry as 84.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CFBK's earnings are expected to grow with 25.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)25.4
EPS Next 2Y25.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFBK has a Yearly Dividend Yield of 1.40%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, CFBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.32, CFBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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
9.97% of the earnings are spent on dividend by CFBK. This is a low number and sustainable payout ratio.
CFBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.97%
EPS Next 2Y25.28%
EPS Next 3YN/A
NASDAQ:CFBK (10/24/2025, 8:14:13 PM)
23.98
+0.38 (+1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.54%
Inst Owner Change0.05%
Ins Owners17.79%
Ins Owner Change-2.08%
Market Cap154.43M
Revenue(TTM)56.74M
Net Income(TTM)17.55M
Analysts82.86
Price Target29.58 (23.35%)
Short Float %1.39%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Yearly Dividend0.25
Dividend Growth(5Y)2.33%
DP9.97%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.09%
EPS NY rev (1m)0%
EPS NY rev (3m)6.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 6.32 | ||
| P/S | 2.72 | ||
| P/FCF | 7.32 | ||
| P/OCF | 7.17 | ||
| P/B | 0.87 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY11.59%
EPS(NY)3.79
Fwd EY15.82%
FCF(TTM)3.28
FCFY13.67%
OCF(TTM)3.34
OCFY13.94%
SpS8.81
BVpS27.49
TBVpS27.49
PEG (NY)0.25
PEG (5Y)25.4
Graham Number41.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 9.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.92% | ||
| GM | N/A | ||
| FCFM | 37.2% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 90.21% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.3% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC27.3%
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)-35.4%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%4.09%
EPS Next Y34.18%
EPS Next 2Y25.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-23.71%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%-42.87%
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 1Y54.07%
FCF growth 3Y-61.83%
FCF growth 5YN/A
OCF growth 1Y46.47%
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 of CF BANKSHARES INC (CFBK) stock?
ChartMill assigns a valuation rating of 8 / 10 to CF BANKSHARES INC (CFBK). This can be considered as Undervalued.
How profitable is CF BANKSHARES INC (CFBK) stock?
CF BANKSHARES INC (CFBK) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for CFBK stock?
The Price/Earnings (PE) ratio for CF BANKSHARES INC (CFBK) is 8.63 and the Price/Book (PB) ratio is 0.87.
How financially healthy is CF BANKSHARES INC?
The financial health rating of CF BANKSHARES INC (CFBK) is 2 / 10.