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CF Bankshares Inc. CFBK R2K

Financial Services · Banks - Regional · United States
https://www.cf.bank
Company Profile ↓
$32.40
+35.53% 1Y
Mkt Cap$208.05M
P/E11.65
P/B1.08
Div. Yield1.15%
52W High$33.11
52W Low$22.20
Book Value$29.07
EPS (TTM)$2.78

Company Overview

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, it provides 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. Further, the company offers online and internet banking, mobile banking, and remote deposits. 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 headquartered in Columbus, Ohio.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.7, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 34.0%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +5.0%, earnings +13.2%.
  • 5-Year Trend Long-term compounding — profit CAGR -9.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:5.00%

Compounded Profit Growth

5 Years:-9.94%
1 Year:13.20%

Stock Price Performance

1 Year:+35.53%
6 Months:+20.93%
3 Months:+10.67%
1 Month:+7.41%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
$22.20 $33.11
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)64.92 · Neutral
Price Performance
1M+7.41%
3M+10.67%
6M+20.93%
1Y+35.53%
Valuation vs Sector

P/E of 11.65 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.0%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -9.9% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.65
Industry PE
13.30
Forward P/E
7.71
PEG Ratio
-
Book Value
$29.07
Price to Book
1.08
P/S
3.81
EV/EBITDA
-
Dividend Yield
1.15%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
-9.94%
Revenue (YoY)
5.00%
Earnings (YoY)
13.20%

Profitability & Returns

ROCE
-
ROE
10.03%
ROA
0.85%
Profit Margin
33.98%
Op Margin
44.22%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$2.78

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$125.32M
Total Assets
$2.15B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.07%
Chg in Prom Hold
-0.03%
FII / Inst Holding
60.90%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$208.05M
Total Revenue (TTM)
$53.37M
EBITDA
-
Free Cash Flow
$18.20M
Operating Cash Flow
$21.21M
Shares Outstanding
6.42M
Gross Margin
0.00%
Payout Ratio
11.51%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CFBK CF Bankshares Inc. R2K 32.40 11.65 $208.05M 1.15% - 10.03% - -9.94%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue --------------106.00K118.00K118.00K128.00K124.00K138.00K146.00K-------------------
Net Income -810.00K-554.00K-385.00K-214.00K98.00K286.00K251.00K467.00K330.00K316.00K422.00K505.00K404.00K556.00K685.00K792.00K1.13M1.05M1.68M2.28M2.62M2.01M10.07M10.19M6.42M3.49M4.08M4.52M4.73M4.25M4.45M4.22M4.03M3.07M1.70M4.21M4.43M5.04M2.34M5.02M
Diluted EPS -0.05-0.04-0.02-0.010.000.010.000.020.010.010.010.020.010.020.150.170.250.240.390.550.590.301.531.540.960.520.610.690.720.650.680.660.620.470.260.650.680.770.360.77

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -9.89M-6.87M-5.42M-3.77M-918.00K479.00K4.48M1.63M1.35M4.27M9.60M29.61M18.45M18.16M16.94M13.39M17.54M
Diluted EPS -2.51-8.85-7.090.14-0.060.000.200.050.191.002.034.472.772.782.632.062.69

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --275.23M250.92M215.03M255.75M315.59M351.29M436.11M481.43M665.02M880.54M1.48B1.50B1.82B2.06B2.07B2.12B
Total Equity 33.08M23.23M15.99M9.94M23.64M22.86M34.51M38.31M39.29M40.26M45.56M80.66M110.21M125.33M139.21M155.37M168.44M184.43M
Cash & Equivalents 4.18M2.97M34.27M61.44M25.15M19.16M28.21M25.89M57.94M45.50M67.30M45.88M221.59M166.59M151.79M261.60M235.27M258.97M
Long Term Debt ----------6.00M12.52M79.51M24.28M29.46M---
Total Liabilities --259.24M240.98M191.39M232.88M281.08M312.98M396.82M441.16M619.47M799.88M1.37B1.37B1.68B1.90B1.90B1.93B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -2.53M3.05M481.00K-960.00K-4.13M---3.95M-11.81M-103.54M-123.47M253.30M39.76M18.05M14.19M18.69M
Investing Cash Flow -4.43M20.31M45.35M-3.26M-43.46M----59.38M-143.77M-111.40M-259.75M-316.73M-353.32M-121.85M-32.99M-25.04M
Financing Cash Flow 5.75M7.95M-18.67M-32.06M41.60M---42.98M177.38M193.51M558.93M8.42M298.75M213.61M-7.52M30.05M
Capital Expenditure -40.00K-56.00K-69.00K-24.00K-341.00K-461.00K-45.00K-47.00K-312.00K-612.00K-443.00K-385.00K-2.96M-905.00K-661.00K-266.00K-487.00K
Free Cash Flow -2.57M2.99M412.00K-984.00K-4.47M---3.64M-12.42M-103.98M-123.85M250.34M38.86M17.39M13.92M18.20M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % -42.6%-43.0%-54.6%-15.9%-4.0%1.4%11.7%4.1%3.3%9.4%11.9%26.9%14.7%13.0%10.9%7.9%9.5%
ROCE % -----------------

Shareholding Pattern

Insiders
17.07%
Institutions
60.90%
Public Float
73.44%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 9.96% 639.38K $20.17M
2 Blackrock Inc. 4.83% 310.31K $9.79M
3 Alliancebernstein L.P. 3.75% 240.56K $7.59M
4 Vanguard Capital Management LLC 3.15% 202.00K $6.37M
5 First Manhattan Co. LLC 2.91% 187.02K $5.90M
6 Daytona Street Capital LLC 2.36% 151.39K $4.78M
7 Rhino Investment Partners, Inc. 1.95% 125.38K $3.96M
8 Acadian Asset Management. LLC 1.94% 124.39K $3.92M
9 Fifth Third Bancorp 1.79% 114.91K $3.63M
10 Geode Capital Management, LLC 1.67% 107.01K $3.38M

Analyst View

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Latest News

Recent headlines for CFBK

Google News Wed, 01 Jul 2026

CF Bankshares pays $0.09 common dividend, plus $9 Series D preferred - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxOZDBWbDk5RllveWp1S2p2TFdfV2NHLTN1LWtpSVdMVTRWdG1Rek50OVgwMkZHZGpNdWxpSXNUN2x2UEN6ZUduYkVLMk4zUnF5QW9QbXVTeWtySVZocHc4MnNjU21QU1Q1RVU0X1VDV3ZyaTQ1Vno2ZVM0V2EyWmhYUE9BRTNXR25XNlUta2…

Google News Mon, 13 Jul 2026

(CFBK) Volatility Zones as Tactical Triggers - Stock Traders Daily

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Google News hu, 09 Jul 2026

CF Bankshares (NASDAQ:CFBK) Shares Cross Above 50-Day Moving Average - Should You Sell? - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxPYkpkNmpVZU01UWExNFRDa1k1LVJfUFM3QzdTbjcxSTBFRmJvX3NMYllaYVhkRzUyT3dYOWhBbFNTNjFDN3ZnLXJZVG5uMlJXWE1UVWdHcFROdDFndHBZUjgzZkg4Skd5STFkWlIyNldrTGs5bmtwUDF4UXFVcXNQSERxYUhZSzVsYnVLVj…

Google News Fri, 03 Jul 2026

Enterprise value to revenue forward of CF Bankshares Inc. – NASDAQ:CFBK - TradingView

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Google News Fri, 10 Jul 2026

Central Federal To Go Ex-Dividend On July 13th, 2026 With 0.09 USD Dividend Per Share - Moomoo

<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxQdnBXRGZHekRnOE9YdUVFYl9hLXlPM1ZGaUFNbFBpd0tQUXpqWnRmYzhUWUd5RTlJbnpyWEZPalVWS09icXM0U0xYOEZVOHFySkhoUWFhR0o2emlFSU55dzAwZldWRzQzQjRuaFJieFNEUkVTMGpST0FMWFdrUzlFNHdzQzBka19mMTFZcF…

Google News Wed, 08 Jul 2026

CF Bankshares (CFBK) Slips 1% Amid Modest Pullback – Key Support in Focus - Hot Stock Picks - DonanımHaber

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CFBK — Frequently Asked Questions

What is the current share price of CF Bankshares Inc. (CFBK)?

As of 2026-07-14 21:23 PDT, CF Bankshares Inc. (CFBK) trades at $32.40 on NasdaqCM. Its 52-week range is $22.20 to $33.11.

What is the market capitalisation of CFBK?

CF Bankshares Inc. (CFBK) has a market capitalisation of $208.05M on NasdaqCM.

What is the P/E ratio of CFBK?

CFBK trades at a trailing price-to-earnings (P/E) ratio of 11.65. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.08.

Does CFBK pay a dividend?

CF Bankshares Inc. (CFBK) currently offers a dividend yield of 1.15%.

What is the return on equity (ROE) of CFBK?

CFBK has a return on equity (ROE) of 10.03%.

Is CFBK a good stock to buy?

This page provides a data-driven analysis of CF Bankshares Inc. (CFBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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