CF Bankshares (CFBK) AI Stock Analysis

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CF Bankshares

(NASDAQ:CFBK)

Rating:67Neutral

Price Target:―

CF Bankshares' overall stock score is driven by strong financial stability due to zero debt and solid revenue growth. However, challenges with declining net income and cash flow volatility pose risks. While the stock appears undervalued, technical indicators present a mixed picture with bearish momentum potentially tempered by overbought conditions.

CF Bankshares (CFBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$154.88M

Dividend Yield1.13%

Average Volume (3M)19.59K

Price to Earnings (P/E)10.5

Beta (1Y)0.82

Revenue Growth10.13%

EPS Growth-21.30%

CountryUS

Employees102

SectorFinancial

Sector Strength86

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.70

Shares Outstanding5,219,630

10 Day Avg. Volume29,052

30 Day Avg. Volume19,588

Financial Highlights & Ratios

PEG Ratio1.09

Price to Book (P/B)0.89

Price to Sales (P/S)0.00

P/FCF Ratio8.56

Enterprise Value/Market Cap-0.55

Enterprise Value/Revenue-0.39

Enterprise Value/Gross Profit-1.65

Enterprise Value/Ebitda-2.03

Forecast

1Y Price Target

$29.00

Price Target Upside21.34% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering1

CF Bankshares Business Overview & Revenue Model

Company DescriptionCF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio.

How the Company Makes MoneyCF Bankshares generates revenue through multiple streams, with net interest income being a primary source. This involves earning interest from loans provided to customers while paying interest on deposits, with the spread between these rates contributing significantly to profits. The company also earns through non-interest income, which includes fees from services such as loan servicing, deposit account maintenance, and other financial services. The bank's focus on relationship-based banking and personalized services helps in retaining customers and growing its revenue base. Moreover, strategic partnerships and community engagement initiatives play a role in expanding its market presence and customer base.

CF Bankshares Financial Statement Overview

Summary

CF Bankshares exhibits strong revenue growth and a solid equity base with zero debt, indicating financial stability. However, declining net income and volatile cash flows are concerning for profitability and cash management.

Income Statement

Positive

CF Bankshares showed mixed performance with strong revenue growth from 2023 to 2024, but declining net income. Gross profit margin remains high at 100% due to the nature of the banking industry. Net income decreased from 2023 to 2024, impacting net profit margins negatively.

Balance Sheet

Positive

The company maintains a solid equity base with a zero debt-to-equity ratio in 2024, reflecting strong financial stability. However, the return on equity has declined due to reduced net income, which could signal potential future challenges in profitability.

Cash Flow

Neutral

CF Bankshares has experienced volatility in cash flow with a significant reduction in free cash flow from 2023 to 2024, and the operating cash flow to net income ratio indicates challenges in converting income to cash. This poses risks to liquidity, despite positive free cash flow in 2024.

TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Breakdown
Income Statement		Total Revenue
60.56M	122.16M	49.35M	51.31M	53.33M	87.50M
	Gross Profit
51.88M	43.68M	51.05M	51.31M	53.33M	87.50M
	EBIT
18.08M	16.14M	0.00	41.57M	22.82M	36.28M
	EBITDA
13.15M	16.63M	0.00	0.00	0.00	36.66M
	Net Income Common Stockholders
14.61M	13.39M	16.94M	18.16M	18.45M	29.61M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
244.49M	243.96M	258.30M	162.33M	183.04M	230.40M
	Total Assets
2.04B	2.07B	2.06B	1.82B	1.50B	1.48B
	Total Debt
131.10M	113.91M	130.26M	125.82M	106.64M	230.80M
	Net Debt
-105.89M	-121.46M	-131.44M	-26.07M	-60.05M	9.11M
	Total Liabilities
1.88B	1.90B	1.90B	1.68B	1.37B	1.37B
	Stockholders Equity
158.00M	168.44M	155.37M	139.25M	125.33M	110.21M
Cash Flow		Free Cash Flow
18.15M	13.92M	17.39M	38.86M	250.34M	-123.85M
	Operating Cash Flow
17.56M	14.19M	18.05M	39.76M	253.30M	-123.47M
	Investing Cash Flow
-54.14M	-32.99M	-121.85M	-353.32M	-316.73M	-259.75M
	Financing Cash Flow
40.68M	-7.52M	213.61M	298.75M	8.42M	558.93M

CF Bankshares Technical Analysis

Technical Analysis Sentiment

Positive

Last Price23.90

Price Trends

50DMA

22.55

Positive

100DMA

22.93

Positive

200DMA

23.57

Positive

Market Momentum

MACD

0.33

Positive

RSI

60.39

Neutral

STOCH

46.70

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFBK, the sentiment is Positive. The current price of 23.9 is above the 20-day moving average (MA) of 23.88, above the 50-day MA of 22.55, and above the 200-day MA of 23.57, indicating a bullish trend. The MACD of 0.33 indicates Positive momentum. The RSI at 60.39 is Neutral, neither overbought nor oversold. The STOCH value of 46.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFBK.

CF Bankshares Risk Analysis

CF Bankshares disclosed 35 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

Overall Rating

UnderperformOutperform

Sector (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EBMT	74 Outperform	$133.28M	11.83	6.42%	3.40%	9.50%	27.04%
FNWD	72 Outperform	$126.00M	37.91	2.18%	1.24%	-7.64%	-78.60%
SFBC	68 Neutral	$128.51M	25.75	4.90%	1.52%	8.04%	-16.15%
CFBK	67 Neutral	$154.88M	10.52	8.65%	1.13%	10.13%	-21.30%
Sector *	64 Neutral	$12.79B	9.71	7.54%	16971.00%	12.07%	-7.53%
RMBI	60 Neutral	$135.71M	14.80	6.82%	4.37%	13.55%	3.11%
CZWI	54 Neutral	$144.04M	11.40	7.29%	2.50%	-1.01%	-1.81%

* Financial Sector Average

Performance Comparison

CFBK

CF Bankshares

23.91

4.91

25.84%

CZWI

Citizens Community Bancorp

14.48

3.66

33.83%

EBMT

Eagle Bancorp Montana

16.75

4.11

32.52%

SFBC

Sound Financial Bancorp

50.00

10.08

25.25%

RMBI

Richmond Mutual Bancorporation

13.08

1.85

16.47%

FNWD

Finward Bancorp

29.26

5.22

21.71%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.