28.66 USD
-0.67 (-2.28%)
28.66 USD
0 (0%)
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 may be a bit undervalued, certainly considering the very reasonable score on growth
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 Return On Assets of 0.75%. This is in the lower half of the industry: CFBK underperforms 62.66% of its industry peers.
- CFBK has a Return On Equity of 8.78%. This is comparable to the rest of the industry: CFBK outperforms 49.35% of its industry peers.
| 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
- The Profit Margin of CFBK (26.61%) is better than 64.49% of its industry peers.
- In the last couple of years the Profit Margin of CFBK has declined.
- 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) | 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.
- Compared to 5 years ago, CFBK has more shares outstanding
- CFBK has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 2.10 is in line compared to the rest of the industry. CFBK outperforms 46.21% of its industry peers.
- CFBK has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of CFBK (0.32) is worse than 69.45% 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
WACC25.35%
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 by -1.08% in the last year.
- Measured over the past 5 years, CFBK shows a small growth in Earnings Per Share. The EPS has been growing by 0.34% on average per year.
- The Revenue has decreased by -5.78% in the past year.
- The Revenue has been growing by 9.17% on average over the past years. This is quite good.
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.
- CFBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.28% yearly.
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
- A Price/Earnings ratio of 11.51 indicates a reasonable valuation of CFBK.
- CFBK's Price/Earnings ratio is a bit cheaper when compared to the industry. CFBK is cheaper than 63.97% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. CFBK is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 7.64 indicates a rather cheap valuation of CFBK.
- Based on the Price/Forward Earnings ratio, CFBK is valued cheaply inside the industry as 92.43% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. CFBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 7.64 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CFBK is valued cheaper than 87.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.68 | ||
| 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)1.3
PEG (5Y)33.9
EPS Next 2Y24.61%
EPS Next 3Y22.16%
5. Dividend
5.1 Amount
- CFBK has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.84, CFBK's dividend is way lower than its industry peers. On top of this 80.16% of the companies listed in the same industry pay a better dividend than CFBK!
- CFBK's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
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.
- CFBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP11.94%
EPS Next 2Y24.61%
EPS Next 3Y22.16%
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 11.51 and the Price/Book (PB) ratio is 1.03.
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%.