CF BANKSHARES INC (CFBK) Fundamental Analysis & Valuation

NASDAQ:CFBK • US12520L1098

Current stock price

29.32 USD
-0.33 (-1.11%)
At close:
29.32 USD
0 (0%)
After Hours:

This CFBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CFBK Profitability Analysis

1.1 Basic Checks

  • In the past year CFBK was profitable.
  • In the past year CFBK had a positive cash flow from operations.
  • In the past 5 years CFBK has always been profitable.
  • CFBK had a positive operating cash flow in each of the past 5 years.
CFBK Yearly Net Income VS EBIT VS OCF VS FCFCFBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • The Return On Assets of CFBK (0.80%) is worse than 65.16% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.22%, CFBK is in line with its industry, outperforming 49.20% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 9.22%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.9%
ROE(3y)9.28%
ROE(5y)11.12%
ROIC(3y)N/A
ROIC(5y)N/A
CFBK Yearly ROA, ROE, ROICCFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • CFBK has a Profit Margin of 27.89%. This is in the better half of the industry: CFBK outperforms 62.77% 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 RankSector Rank
OM N/A
PM (TTM) 27.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.22%
PM growth 5Y-2.17%
GM growth 3YN/A
GM growth 5YN/A
CFBK Yearly Profit, Operating, Gross MarginsCFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CFBK Health Analysis

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 more shares outstanding
  • The number of shares outstanding for CFBK has been increased compared to 5 years ago.
  • The debt/assets ratio for CFBK is higher compared to a year ago.
CFBK Yearly Shares OutstandingCFBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
CFBK Yearly Total Debt VS Total AssetsCFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • CFBK has a debt to FCF ratio of 3.19. This is a good value and a sign of high solvency as CFBK would need 3.19 years to pay back of all of its debts.
  • CFBK has a worse Debt to FCF ratio (3.19) than 61.17% of 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.
  • CFBK's Debt to Equity ratio of 0.31 is on the low side compared to the rest of the industry. CFBK is outperformed by 69.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 3.19
Altman-Z N/A
ROIC/WACCN/A
WACC23.33%
CFBK Yearly LT Debt VS Equity VS FCFCFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFBK Yearly Current Assets VS Current LiabilitesCFBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CFBK Growth Analysis

3.1 Past

  • The earnings per share for CFBK have decreased by -8.55% in the last year.
  • Measured over the past years, CFBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.02% on average per year.
  • CFBK shows a decrease in Revenue. In the last year, the revenue decreased by -4.78%.
  • Measured over the past years, CFBK shows a very strong growth in Revenue. The Revenue has been growing by 29.26% on average per year.
EPS 1Y (TTM)-8.55%
EPS 3Y11.05%
EPS 5Y71.02%
EPS Q2Q%28.64%
Revenue 1Y (TTM)-4.78%
Revenue growth 3Y15.88%
Revenue growth 5Y29.26%
Sales Q2Q%12.64%

3.2 Future

  • CFBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.28% yearly.
  • The Revenue is expected to grow by 7.06% on average over the next years.
EPS Next Y-8.64%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
EPS Next 5Y9.28%
Revenue Next Year-3.4%
Revenue Next 2Y3.07%
Revenue Next 3Y5.36%
Revenue Next 5Y7.06%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CFBK Yearly Revenue VS EstimatesCFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
CFBK Yearly EPS VS EstimatesCFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4

4. CFBK Valuation Analysis

4.1 Price/Earnings Ratio

  • CFBK is valuated reasonably with a Price/Earnings ratio of 10.55.
  • CFBK's Price/Earnings ratio is a bit cheaper when compared to the industry. CFBK is cheaper than 72.87% of the companies in the same industry.
  • CFBK is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 12.13, which indicates a correct valuation of CFBK.
  • CFBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CFBK is more expensive than 67.02% of the companies in the same industry.
  • CFBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 10.55
Fwd PE 12.13
CFBK Price Earnings VS Forward Price EarningsCFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFBK indicates a somewhat cheap valuation: CFBK is cheaper than 69.15% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.49
EV/EBITDA N/A
CFBK Per share dataCFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CFBK Dividend Analysis

5.1 Amount

  • CFBK has a Yearly Dividend Yield of 1.22%. Purely for dividend investing, there may be better candidates out there.
  • CFBK's Dividend Yield is slightly below the industry average, which is at 2.52.
  • CFBK's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.22%

5.2 History

  • The dividend of CFBK is nicely growing with an annual growth rate of 52.89%!
  • 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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)52.89%
Div Incr Years5
Div Non Decr Years5
CFBK Yearly Dividends per shareCFBK Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • CFBK pays out 11.46% of its income as dividend. This is a sustainable payout ratio.
  • CFBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP11.46%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
CFBK Yearly Income VS Free CF VS DividendCFBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
CFBK Dividend Payout.CFBK Dividend Payout, showing the Payout Ratio.CFBK Dividend Payout.PayoutRetained Earnings

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CFBK Fundamentals: All Metrics, Ratios and Statistics

CF BANKSHARES INC

NASDAQ:CFBK (4/29/2026, 8:01:43 PM)

After market: 29.32 0 (0%)

29.32

-0.33 (-1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)02-05
Earnings (Next)05-13
Inst Owners54.63%
Inst Owner Change0.2%
Ins Owners17.69%
Ins Owner Change6.28%
Market Cap190.87M
Revenue(TTM)60.95M
Net Income(TTM)17.00M
Analysts82.86
Price Target34.68 (18.28%)
Short Float %1.07%
Short Ratio1.24
Dividend
Industry RankSector Rank
Dividend Yield 1.22%
Yearly Dividend0.28
Dividend Growth(5Y)52.89%
DP11.46%
Div Incr Years5
Div Non Decr Years5
Ex-Date04-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-22.23%
Min EPS beat(2)-57.98%
Max EPS beat(2)13.52%
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)-4.46%
Min Revenue beat(2)-4.65%
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)17.24%
PT rev (3m)17.24%
EPS NQ rev (1m)-0.85%
EPS NQ rev (3m)-0.85%
EPS NY rev (1m)-0.62%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)0.49%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 10.55
Fwd PE 12.13
P/S 3.13
P/FCF 10.49
P/OCF 10.21
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)2.78
EY9.48%
EPS(NY)2.42
Fwd EY8.24%
FCF(TTM)2.8
FCFY9.54%
OCF(TTM)2.87
OCFY9.79%
SpS9.36
BVpS28.33
TBVpS28.33
PEG (NY)N/A
PEG (5Y)0.15
Graham Number42.0954 (43.57%)
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 9.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.89%
GM N/A
FCFM 29.86%
ROA(3y)0.75%
ROA(5y)0.9%
ROE(3y)9.28%
ROE(5y)11.12%
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-7.22%
PM growth 5Y-2.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 3.19
Debt/EBITDA N/A
Cap/Depr 102.31%
Cap/Sales 0.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC23.33%
ROIC/WACCN/A
Cap/Depr(3y)91.21%
Cap/Depr(5y)240.72%
Cap/Sales(3y)0.86%
Cap/Sales(5y)1.98%
Profit Quality(3y)105.54%
Profit Quality(5y)377.49%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.55%
EPS 3Y11.05%
EPS 5Y71.02%
EPS Q2Q%28.64%
EPS Next Y-8.64%
EPS Next 2Y-6.75%
EPS Next 3Y-1.81%
EPS Next 5Y9.28%
Revenue 1Y (TTM)-4.78%
Revenue growth 3Y15.88%
Revenue growth 5Y29.26%
Sales Q2Q%12.64%
Revenue Next Year-3.4%
Revenue Next 2Y3.07%
Revenue Next 3Y5.36%
Revenue Next 5Y7.06%
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 1Y30.73%
FCF growth 3Y-22.37%
FCF growth 5YN/A
OCF growth 1Y31.71%
OCF growth 3Y-22.28%
OCF growth 5YN/A

CF BANKSHARES INC / CFBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CF BANKSHARES INC?

ChartMill assigns a fundamental rating of 3 / 10 to CFBK.


Can you provide the valuation status for CF BANKSHARES INC?

ChartMill assigns a valuation rating of 4 / 10 to CF BANKSHARES INC (CFBK). This can be considered as Fairly Valued.


Can you provide the profitability details for CF BANKSHARES INC?

CF BANKSHARES INC (CFBK) has a profitability rating of 3 / 10.


What is the financial health of CF BANKSHARES INC (CFBK) stock?

The financial health rating of CF BANKSHARES INC (CFBK) is 1 / 10.


Can you provide the expected EPS growth for CFBK stock?

The Earnings per Share (EPS) of CF BANKSHARES INC (CFBK) is expected to decline by -8.64% in the next year.