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CFBK Stock Chart & Stats
$26.39
-$0.68(-2.86%)
At close: 4:00 PM EST
$26.39
-$0.68(-2.86%)
Day’s Range― - ―
52-Week Range$22.10 - $34.34
Previous CloseN/A
Volume8.87K
Average Volume (3M)31.27K
Market Cap
$215.63M
Enterprise Value$30.39
Total Cash (Recent Filing)$285.25M
Total Debt (Recent Filing)$122.09M
Price to Earnings (P/E)11.9
Beta0.87
Next Earnings
Aug 05, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield1.06%
Share Statistics
EPS (TTM)2.78
Shares Outstanding6,434,002
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
$36.00Price Target Upside36.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.66
Revenue Forecast (FY)$68.20M
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation And FCF ConversionCF Bankshares converts nearly all reported earnings into cash: TTM free cash flow is ~97% of net income with operating cash flow around $21.2M. This durable cash conversion supports internal funding for loan growth, capital cushions, and steady capital return decisions over the medium term.
Improving Leverage And Solid Capital MetricsLeverage has meaningfully improved as debt-to-equity fell to ~0.65 TTM from ~0.90, alongside steady equity growth and a near-10% ROE. Lower leverage and stable capital provide financial flexibility for funding, regulatory resilience, and capacity to withstand cyclical shocks over the next several quarters.
Resilient Operating ProfitabilityDespite top-line pressure, core banking profitability remains intact: TTM net margin ~14% and EBIT margin ~18%, with net income rising vs. 2024. Persistent margin levels indicate durable earnings power from interest spread and fee mix, helping sustain earnings through moderate revenue fluctuations.
Bears Say
Sharp TTM Revenue DeclineA roughly 37% TTM revenue decline is a material structural headwind that erodes scale economics and compresses room for reinvestment. Over 2-6 months this can constrain loan originations, fee income stability, and puts pressure on sustaining operating margins and dividends without business recovery.
Rising Cyclical Credit Exposure From Loan Mix ShiftA shift into more commercial and construction lending increases sensitivity to economic cycles and real estate stress. Without proportionally larger reserves, this structural mix change raises expected credit volatility and potential provision needs across an economic downturn over the medium term.
Historical Volatility In Margins And Cash FlowPast swings in operating cash flow and margins indicate earnings and free cash flow can vary meaningfully year-to-year. This structural volatility complicates capital planning, dividend predictability, and provisioning, increasing execution risk for management over the next several quarters.
CF Bankshares News
CFBK FAQ
What was CF Bankshares’s price range in the past 12 months?
CF Bankshares lowest stock price was $22.10 and its highest was $34.34 in the past 12 months.
What is CF Bankshares’s market cap?
CF Bankshares’s market cap is $215.63M.
When is CF Bankshares’s upcoming earnings report date?
CF Bankshares’s upcoming earnings report date is Aug 05, 2026 which is in 16 days.
How were CF Bankshares’s earnings last quarter?
CF Bankshares released its earnings results on May 05, 2026. The company reported $0.77 earnings per share for the quarter, missing the consensus estimate of $0.81 by -$0.04.
Is CF Bankshares overvalued?
According to Wall Street analysts CF Bankshares’s price is currently Undervalued.
Does CF Bankshares pay dividends?
CF Bankshares pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 1.06%. See more information on CF Bankshares dividends here
What is CF Bankshares’s EPS estimate?
CF Bankshares’s EPS estimate is 0.89.
How many shares outstanding does CF Bankshares have?
CF Bankshares has 6,434,002 shares outstanding.
What happened to CF Bankshares’s price movement after its last earnings report?
CF Bankshares reported an EPS of $0.77 in its last earnings report, missing expectations of $0.81. Following the earnings report the stock price went down -1.513%.
Which hedge fund is a major shareholder of CF Bankshares?
Currently, no hedge funds are holding shares in CFBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
CF Bankshares Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (36.42% Upside)
$36.00 (36.42% Upside)
Blogger Sentiment
Neutral
CFBK Sentiment 50%
Sector Average 63%
Sector Average 63%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.00%
12-Months-Change
Fundamentals
Return on Equity
1.06%
Trailing 12-Months
Asset Growth
2.44%
Trailing 12-Months
Company Description
CF Bankshares
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 business checking, money market accounts, and certificates of deposit. The bank also facilitates a range of loans such as single-family mortgages, commercial real estate and multi-family residential mortgages, commercial loans, and construction and land loans. Furthermore, it provides consumer credit options like home equity lines, home improvement loans, and loans secured by deposits, along with other purchased loans. Customers can access modern conveniences such as internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, the company operated five branch offices situated in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, in addition to a loan production office in Franklin County, Ohio. Founded in 1892, the company was formerly named Central Federal Corporation before adopting its current name, CF Bankshares Inc., in July 2020, and is headquartered in Worthington, Ohio.
CFBK Stock 12 Month Forecast
Average Price Target
$36.00
▲(36.42% Upside)
Technical Analysis
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Ownership Overview
17.51% Insiders
7.24% Mutual Funds
0.14% Other Institutional Investors
66.00% Public Companies and
Individual Investors