CF Bankshares (CFBK) AI Stock Analysis

• Market Cap: $162.75M
• Dividend Yield: 1.28%
• Average Volume (3M): 31.27K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.01
• Revenue Growth: 2.34%
• EPS Growth: 22.43%
• Country: US
• Employees: 102
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 6,276,775
• 10 Day Avg. Volume: 27,019
• 30 Day Avg. Volume: 31,265
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $26.00 ▲(12.70% Upside)

CF Bankshares shows strong financial performance with consistent revenue growth and effective cost management. The stock's valuation is attractive with a low P/E ratio and a decent dividend yield. However, technical indicators suggest neutral to weak momentum, which could limit short-term price movements. Overall, the stock presents a balanced risk-reward profile with potential for long-term appreciation.

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 demonstrates solid financial health with consistent revenue growth and effective cost management. The balance sheet shows improved leverage, though the company relies heavily on debt. Cash flow metrics indicate strong free cash flow generation, though operational cash conversion could be improved. Overall, the company is on a positive trajectory with some areas for improvement.

Income Statement

CF Bankshares has shown consistent revenue growth with a notable increase in the TTM period. The gross profit margin and net profit margin are stable, indicating efficient cost management. However, the EBIT and EBITDA margins have seen some fluctuations, which may suggest variability in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved over the years, indicating better leverage management. Return on equity is decent, reflecting effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing.

Cash Flow

The cash flow from operations has improved significantly in the TTM period, with a strong free cash flow growth rate. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong, showing good cash generation relative to net income.

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	22.90M	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: Negative
• Last Price: 23.07
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFBK, the sentiment is Negative. The current price of 23.07 is below the 20-day moving average (MA) of 23.47, below the 50-day MA of 24.03, and below the 200-day MA of 23.44, indicating a bearish trend. The MACD of -0.15 indicates Negative momentum. The RSI at 45.61 is Neutral, neither overbought nor oversold. The STOCH value of 40.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CFBK.

CF Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	68 Neutral	$147.82M	8.58	11.72%	3.24%	12.42%	39.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$162.75M	9.40	9.18%	1.28%	2.34%	22.43%
BVFL	66 Neutral	$163.50M	15.42	5.32%	―	4.86%	-8.20%
BFIN	58 Neutral	$138.81M	59.92	1.46%	3.62%	-2.62%	-70.70%
PNBK	55 Neutral	$137.99M	-0.13	-82.98%	―	-11.96%	-500.26%
MNSB	43 Neutral	$143.79M	-20.63	-2.07%	2.09%	1.92%	-174.59%

CF Bankshares Corporate Events

CF Bankshares Alters Stock Structure with Conversion

CF Bankshares Inc. announced changes in its stock structure, reporting an increase in Voting Common Stock and a decrease in Non-Voting Common Stock as of October 3, 2025. This adjustment, resulting from the conversion of Non-Voting to Voting shares, reflects a strategic shift in the company’s equity distribution, potentially impacting shareholder dynamics.

The most recent analyst rating on (CFBK) stock is a Hold with a $26.00 price target. To see the full list of analyst forecasts on CF Bankshares stock, see the CFBK Stock Forecast page.

CF Bankshares Adjusts Stock Structure with Conversion

CF Bankshares Inc. announced that as of September 26, 2025, the company had 6,276,775 shares of Voting Common Stock outstanding, following the conversion of 240,000 shares of Non-Voting Common Stock into Voting Common Stock. This change reflects a strategic adjustment in the company’s stock structure, potentially impacting shareholder dynamics and voting power distribution.

The most recent analyst rating on (CFBK) stock is a Hold with a $26.00 price target. To see the full list of analyst forecasts on CF Bankshares stock, see the CFBK Stock Forecast page.

CF Bankshares Adjusts Stock Composition in September 2025

CF Bankshares Inc. announced changes in its stock composition as of September 15, 2025. The company reported an increase in its Voting Common Stock to 6,036,775 shares and a decrease in Non-Voting Common Stock to 407,000 shares, following conversions and treasury purchases.

The most recent analyst rating on (CFBK) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on CF Bankshares stock, see the CFBK Stock Forecast page.

CF Bankshares Inc. Reports Strong Q2 2025 Earnings

CF Bankshares Inc., a holding company for CFBank, National Association, operates as a boutique commercial bank primarily in five major metro markets, including Columbus and Cleveland, Ohio, and Indianapolis, Indiana. The company focuses on providing comprehensive commercial, retail, and mortgage lending services, with a strong emphasis on individualized customer service and direct access to decision-makers.