Want to see CFBK full AI Analyst Report?
Top Page
CF Bankshares
(NASDAQ:CFBK)
Select Model
Select Model
Rating:68Neutral
Price Target:
$39.00
▲(16.63% Upside)
Action:Reiterated
Date:08/08/26
CFBK scores in the upper-middle range primarily due to solid profitability and a strengthening balance sheet (lower leverage and growing equity), though muted revenue growth and choppier cash-flow trends limit upside. Technicals are supportive with price above major moving averages, but momentum is somewhat stretched (RSI near 70). Valuation is reasonable (P/E ~12) but the dividend yield is low, and recent corporate news is positive but incremental.
Positive Factors
Healthy Profitability
Solid current profitability and improved earnings provide an internal funding base for operations and growth. Although below earlier-cycle peaks, the margins indicate that the core banking model remains capable of producing meaningful returns.
Negative Factors
Muted Revenue Growth
Flat-to-declining revenue suggests limited current momentum in loan growth, deposit services, or other banking activities. Without stronger top-line expansion, future earnings growth may depend more heavily on cost control and credit performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Healthy Profitability
Solid current profitability and improved earnings provide an internal funding base for operations and growth. Although below earlier-cycle peaks, the margins indicate that the core banking model remains capable of producing meaningful returns.
Read all positive factors
CF Bankshares Key Performance Indicators (KPIs)
CF Bankshares (CFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$231.77M
Dividend Yield1.01%
Average Volume (3M)31.27K
Price to Earnings (P/E)11.9
Beta (1Y)0.92
Revenue Growth-0.39%
EPS Growth4.70%
CountryUS
Employees98
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.92
Shares Outstanding6,415,512
10 Day Avg. Volume27,019
30 Day Avg. Volume31,265
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)0.85
Price to Sales (P/S)1.25
P/FCF Ratio8.62
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$40.00Price Target Upside19.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.62
Revenue Forecast (FY)$65.20M
CF Bankshares Business Overview & Revenue Model
Company Description
As the parent company for CFBank, National Association, CF Bankshares Inc. provides a broad spectrum of banking products and services throughout the United States. Its offerings encompass various deposit accounts, including savings, retail and bus...
How the Company Makes Money
CF Bankshares primarily makes money through its bank subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other funding sources, with the difference recorded as net interest income. Key inter...
CF Bankshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 124.71M | 125.90M | 122.16M | 111.69M | 70.28M | 63.64M |
| Gross Profit | 54.62M | 52.69M | 43.68M | 48.73M | 50.52M | 54.93M |
| EBITDA | 23.07M | 22.00M | 16.63M | 21.55M | 23.09M | 23.25M |
| Net Income | 18.84M | 17.00M | 13.39M | 16.94M | 18.16M | 18.45M |
Balance Sheet | ||||||
| Total Assets | 2.17B | 2.12B | 2.07B | 2.06B | 1.82B | 1.50B |
| Cash, Cash Equivalents and Short-Term Investments | 270.33M | 276.47M | 244.06M | 269.79M | 162.33M | 183.04M |
| Total Debt | 120.21M | 121.88M | 113.91M | 130.26M | 125.82M | 106.64M |
| Total Liabilities | 1.98B | 1.93B | 1.90B | 1.90B | 1.68B | 1.37B |
| Stockholders Equity | 194.34M | 184.43M | 168.44M | 155.37M | 139.25M | 125.33M |
Cash Flow | ||||||
| Free Cash Flow | 18.02M | 18.20M | 13.92M | 17.39M | 38.86M | 250.34M |
| Operating Cash Flow | 18.33M | 18.69M | 14.19M | 18.05M | 39.76M | 253.30M |
| Investing Cash Flow | -56.81M | -25.04M | -32.99M | -121.85M | -353.32M | -316.73M |
| Financing Cash Flow | 15.89M | 30.05M | -7.52M | 213.61M | 298.75M | 8.42M |
CF Bankshares Technical Analysis
Neutral
33.44
Price Trends
33.04
Positive
30.70
Positive
28.77
Positive
Market Momentum
0.76
Positive
50.33
Neutral
29.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFBK, the sentiment is Neutral. The current price of 33.44 is below the 20-day moving average (MA) of 35.39, above the 50-day MA of 33.04, and above the 200-day MA of 28.77, indicating a neutral trend. The MACD of 0.76 indicates Positive momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 29.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CFBK.
CF Bankshares Risk Analysis
CF Bankshares disclosed 34 risk factors in its most recent earnings report. CF Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CF Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $180.52M | 12.29 | 8.00% | 1.71% | -6.41% | ― | |
73 Outperform | $196.16M | 9.61 | 12.49% | 2.60% | 3.33% | 22.98% | |
68 Neutral | $231.77M | 11.88 | 7.72% | 1.05% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $185.34M | 14.22 | 7.07% | ― | 3.34% | 48.71% | |
52 Neutral | $124.68M | -13.89 | -13.51% | ― | 15.58% | 99.36% |
* Financial Sector Average
CFBK
CF Bankshares
34.68
10.68
44.52%
LARK
Landmark Bancorp
32.21
8.13
33.77%
PNBK
Patriot National Bancorp
1.06
-0.52
-32.91%
MNSB
MainStreet Bancshares
24.95
3.58
16.76%
BVFL
BV Financial, Inc.
21.61
5.13
31.13%
CF Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
CF Bankshares Shareholders Back Directors, Pay and Auditor
Positive
May 28, 2026
CF Bankshares Inc. held its Annual Meeting of Stockholders on May 27, 2026, with 4,584,467 of 6,422,917 eligible shares represented in person or by proxy, reflecting a strong level of shareholder participation. At the meeting, shareholders elected...
Business Operations and StrategyShareholder Meetings
CF Bankshares Provides Shareholder Update Before 2026 Meeting
Neutral
May 27, 2026
CF Bankshares Inc., a regional banking and financial services provider, has outlined its operations to stockholders ahead of its 2026 Annual Meeting of Stockholders. The company disclosed that it is furnishing a slide presentation in connection wi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.