CF Bankshares (CFBK) AI Stock Analysis

• Market Cap: $157.32M
• Dividend Yield: 1.19%
• Average Volume (3M): 34.33K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.89
• Revenue Growth: 3.76%
• EPS Growth: 38.14%
• Country: US
• Employees: 102
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 5,772,207
• 10 Day Avg. Volume: 39,387
• 30 Day Avg. Volume: 34,332
• PEG Ratio: -0.56
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 1.31
• P/FCF Ratio: 11.51
• Enterprise Value/Market Cap: -0.01
• Enterprise Value/Revenue: -0.01
• Enterprise Value/Gross Profit: -0.03
• Enterprise Value/Ebitda: -0.07
• 1Y Price Target: $27.50
• Price Target Upside: 12.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 67 Neutral
• Price Target: $26.00 ▲(6.56% Upside)

CF Bankshares' overall stock score is driven by its solid financial performance and attractive valuation. The company's consistent revenue growth and effective cost management are key strengths, though reliance on debt and operational cash conversion remain areas for improvement. Technical indicators suggest potential short-term weakness, but the stock's undervaluation offers a compelling long-term opportunity.

CF Bankshares Business Overview & Revenue Model

Company Description

CF 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 Money

CF Bankshares generates revenue through several key streams, primarily from interest income and non-interest income. Interest income is derived from the interest charged on loans made to customers, including commercial loans, residential mortgages, and consumer loans. The bank also earns interest from its investment securities portfolio. Non-interest income is generated from service fees associated with deposit accounts, wealth management services, and other banking services. Additionally, CF Bank may engage in partnerships with local businesses and organizations to expand its service offerings and customer base, contributing to its overall earnings. The bank's commitment to prudent lending practices and risk management also plays a crucial role in sustaining profitability.

CF Bankshares Financial Statement Overview

Summary

CF Bankshares exhibits a solid financial performance characterized by strong revenue growth, healthy profitability margins, and a sound balance sheet. While there are areas for operational improvement, particularly in EBITDA margins, the company maintains a robust cash flow position, suggesting resilience and growth potential in the regional banking sector.

Income Statement

CF Bankshares has shown a steady increase in total revenue with a notable jump from 2022 to 2023. The gross profit margin remains healthy, although it has decreased slightly over time. The net profit margin and EBIT margin are stable, suggesting efficient cost management. However, the declining EBITDA margin from 2020 to 2023 signals potential areas for operational improvement.

Balance Sheet

The balance sheet reflects a strong equity position with a consistently improving equity ratio, indicating a solid financial foundation. The debt-to-equity ratio is manageable and has improved over time. Return on equity remains robust, driven by increasing net income and stable stockholder equity growth.

Cash Flow

CF Bankshares has shown positive free cash flow growth, which is promising for future investments and debt servicing. The operating cash flow to net income ratio is strong, highlighting effective cash conversion. Nevertheless, the volatility in investing cash flows suggests strategic adjustments in investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	124.17M	122.16M	111.69M	70.28M	63.64M	102.08M
Gross Profit	51.58M	43.68M	48.73M	50.52M	54.93M	76.58M
EBITDA	22.78M	16.63M	21.55M	23.09M	23.25M	36.66M
Net Income	17.93M	13.39M	16.94M	18.16M	18.45M	29.61M
Balance Sheet
Total Assets	2.13B	2.07B	2.06B	1.82B	1.50B	1.48B
Cash, Cash Equivalents and Short-Term Investments	284.68M	243.96M	269.79M	162.23M	182.94M	230.40M
Total Debt	121.90M	113.91M	130.26M	125.82M	106.64M	230.80M
Total Liabilities	1.96B	1.90B	1.90B	1.68B	1.37B	1.37B
Stockholders Equity	177.02M	168.44M	155.37M	139.25M	125.33M	110.21M
Cash Flow
Free Cash Flow	21.11M	13.92M	17.39M	38.86M	250.34M	-123.85M
Operating Cash Flow	21.53M	14.19M	18.05M	39.76M	253.30M	-123.47M
Investing Cash Flow	-62.30M	-32.99M	-121.85M	-353.32M	-316.73M	-259.75M
Financing Cash Flow	74.67M	-7.52M	213.61M	298.75M	8.42M	558.93M

CF Bankshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 24.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 24.4 is below the 20-day moving average (MA) of 24.73, above the 50-day MA of 24.33, and above the 200-day MA of 23.72, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 45.41 is Neutral, neither overbought nor oversold. The STOCH value of 5.32 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CFBK.

CF Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RMBI	75 Outperform	156.08M	15.88	7.19%	3.94%	9.70%	18.24%
EBMT	75 Outperform	139.88M	10.93	6.99%	3.25%	6.74%	49.28%
CZWI	73 Outperform	164.14M	13.43	7.68%	2.16%	-0.96%	-7.38%
FNWD	71 Outperform	138.40M	25.90	3.45%	1.50%	-7.40%	-59.70%
CFBK	67 Neutral	$157.32M	8.78	10.42%	1.19%	3.76%	38.14%
SFBC	67 Neutral	120.61M	19.35	4.48%	1.62%	7.86%	59.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%