A Business at a Glance
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CF BANKSHARES INC.
CFBK
$211M
Mkt Cap
$33.44
+2.36%
CF BANKSHARES INC. (CFBK) has a current P/E ratio of 13.4, compared to its historical median P/E of 7.2. The stock is currently considered Fair based on its historical valuation range.
CF BANKSHARES INC. (CFBK) has a 5-year average return on invested capital (ROIC) of 10.1%. This indicates solid capital allocation.
CF BANKSHARES INC. (CFBK) has a market capitalization of $211M. It is classified as a small-cap stock.
Yes, CF BANKSHARES INC. (CFBK) pays a dividend with a trailing twelve-month yield of 0.92%. The company also returns capital through share buybacks, with a buyback yield of 0.61%.
Based on historical P/E analysis, CF BANKSHARES INC. (CFBK) appears fair. The current P/E of 13.4 is 87% above its historical median of 7.2. The estimated fair value CAGR (P/E method) is 2.6%.
CF BANKSHARES INC. (CFBK) operates in the National Commercial Banks industry, within the Financials sector.
CF BANKSHARES INC. (CFBK) reported annual revenue of $126 million in its most recent fiscal year, based on SEC EDGAR filings.
CF Bankshares Inc. (“Holding Company”) was organized as a Delaware corporation in September 1998 as the holding company for CFBank, in connection with CFBank’s conversion from a mutual to stock form of organization. CFBank was originally organized in 1892 and was formerly known as Central Federal Savings and Loan Association of Wellsville and more recently as Central Federal Bank. On December 1, 2016, CFBank converted from a federal savings institution to a national bank. Effective as of December 1, 2016 and in conjunction with the conversion of CFBank to a national bank, the Holding Company became a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal Reserve System (the “FRB”). Effective as of July 27, 2020, the Holding Company changed its name from Central Federal Corporation to CF Bankshares Inc. As used herein, the terms “we,” “us,” “our” and the “Company” refer to CF Bankshares Inc.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 126M | 126M | 124M | 112M | 71M | 64M |
| Net Income | 17M | 17M | 13M | 17M | 18M | 18M |
| EPS | $2.69 | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 |
| Free Cash Flow | 18M | 18M | 14M | 17M | 39M | 250M |
| ROIC | 8.8% | 9.6% | 8.0% | 10.5% | 11.4% | 10.9% |
| Gross Margin | 45.8% | 45.8% | 40.2% | 47.8% | 72.2% | 81.4% |
| Debt/Equity | 0.05 | 0.05 | 0.00 | 0.01 | 0.21 | 0.19 |
| Dividends/Share | $0.31 | $0.30 | $0.25 | $0.23 | $0.18 | $0.13 |
| Operating Income | 1.1M | 1.1M | 818K | 940K | 23M | 23M |
| Operating Margin | 0.9% | 0.9% | 0.7% | 0.8% | 31.8% | 35.7% |
| ROE | 9.2% | 9.6% | 8.0% | 11.5% | 13.7% | 15.7% |
| Shares Outstanding | 6M | 6M | 6M | 6M | 7M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 12M | 14M | 16M | 18M | 28M | 47M | 102M | 64M | 71M | 112M | 124M | 126M | 126M |
| Gross Margin | 82.1% | 79.2% | 78.7% | 77.1% | 73.9% | 70.9% | 75.1% | 81.4% | 72.2% | 47.8% | 40.2% | 45.8% | 45.8% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 4.4M | 4.8M | 5.0M | 6.1M | 8.2M | 11M | 22M | 17M | 15M | 15M | 14M | 16M | 16M |
| EBIT | 414K | 412K | 169K | 124K | 5.3M | 12M | 36M | 23M | 23M | 940K | 818K | 1.1M | 1.1M |
| Op. Margin | 3.4% | 3.0% | 1.1% | 0.7% | 19.3% | 25.7% | 35.4% | 35.7% | 31.8% | 0.8% | 0.7% | 0.9% | 0.9% |
| Net Income | 479K | 3.6M | 770K | 680K | 4.3M | 9.4M | 27M | 18M | 18M | 17M | 13M | 17M | 17M |
| Net Margin | 4.0% | 26.3% | 4.9% | 3.8% | 15.7% | 20.1% | 26.7% | 28.8% | 25.6% | 15.1% | 10.5% | 13.5% | 13.5% |
| Non-Recurring | 1.1M | 0 | 0 | 0 | 0 | 0 | 265K | 17K | 570K | 60K | 0 | -103K | -103K |
| Returns on Capital | |||||||||||||
| ROIC | 1.7% | 9.9% | 2.0% | 1.7% | 9.4% | 13.0% | 19.3% | 10.9% | 11.4% | 10.5% | 8.0% | 9.6% | 8.8% |
| ROE | 1.7% | 9.9% | 2.0% | 1.7% | 10.1% | 14.9% | 28.6% | 15.7% | 13.7% | 11.5% | 8.0% | 9.6% | 9.2% |
| ROA | 0.2% | 1.1% | 0.2% | 0.1% | 0.8% | 1.2% | 2.3% | 1.2% | 1.1% | 0.9% | 0.6% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.1M | 5.1M | 1.8M | 4.0M | -12M | 104M | 123M | 253M | 40M | 18M | 14M | 19M | 19M |
| Free Cash Flow | 594K | 5.1M | 1.7M | 3.6M | -12M | 103M | 123M | 250M | 39M | 17M | 14M | 18M | 18M |
| Owner Earnings | 558K | 4.8M | 1.5M | 3.5M | -12M | 103M | 122M | 252M | 38M | 16M | 12M | 17M | 17M |
| CapEx | 461K | 45K | 47K | 312K | 612K | 443K | 385K | 3.0M | 905K | 661K | 266K | 487K | 487K |
| Maint. CapEx | 232K | 211K | 211K | 208K | 248K | 316K | 381K | 452K | 1.1M | 627K | 542K | 476K | 476K |
| Growth CapEx | 229K | 0 | 0 | 104K | 364K | 127K | 4K | 2.5M | 0 | 34K | 0 | 11K | 11K |
| D&A | 232K | 211K | 211K | 208K | 248K | 316K | 381K | 452K | 1.1M | 627K | 542K | 476K | 476K |
| CapEx/OCF | N/A | 0.9% | 2.6% | 7.9% | N/A | N/A | N/A | 1.2% | 2.3% | 3.7% | 1.9% | N/A | 2.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 233K | 750K | 750K | 750K | 0 | 0 | 195K | 848K | 1.2M | 1.5M | 1.6M | 1.9M | 1.9M |
| Dividend Yield | N/A | 2.9% | 3.4% | 9.0% | N/A | N/A | 0.3% | 0.7% | 0.9% | 1.3% | 1.2% | N/A | 0.9% |
| Share Buybacks | 0 | 0 | 30K | 0 | 0 | 0 | 648K | 3.0M | 2.3M | 177K | 223K | 1.3M | 1.3M |
| Buyback Yield | 0.0% | N/A | 0.1% | N/A | N/A | N/A | 0.6% | 2.2% | 1.8% | 0.1% | 0.1% | 0.0% | 0.6% |
| Stock-Based Comp | 265K | 134K | 122K | 246K | 376K | 527K | 711K | 707K | 899K | 1.2M | 1.2M | 1.4M | 1.4M |
| Debt Repayment | 18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -32M | -30M | -68M | -54M | -71M | -42M | -151M | -159M | -133M | -269M | -243M | -268M | -250M |
| Cash & Equiv. | 28M | 26M | 58M | 45M | 67M | 46M | 222M | 167M | 152M | 262M | 235M | 259M | 259M |
| Long-Term Debt | N/A | N/A | N/A | N/A | 6.0M | 13M | 80M | 24M | 29M | N/A | N/A | N/A | 8.5M |
| Debt/Equity | 0.19 | 0.15 | 0.11 | 0.08 | 0.13 | 0.16 | 0.72 | 0.19 | 0.21 | 0.01 | 0.00 | 0.05 | 0.05 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 35M | 38M | 39M | 40M | 46M | 81M | 110M | 125M | 139M | 155M | 168M | 184M | 184M |
| Total Assets | 316M | 351M | 436M | 481M | 665M | 881M | 1.5B | 1.5B | 1.8B | 2.1B | 2.1B | 2.1B | 2.1B |
| Total Liabilities | 281M | 313M | 397M | 441M | 619M | 800M | 1.4B | 1.4B | 1.7B | 1.9B | 1.9B | 1.9B | 1.9B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | -22M | -19M | -18M | -17M | -13M | -2.9M | 26M | 44M | 61M | 77M | 88M | 104M | 104M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.15 | 1.00 | 0.25 | 0.95 | 1.00 | 2.03 | 4.47 | 2.77 | 2.78 | 2.63 | 2.06 | 2.69 | 2.69 |
| Owner EPS | 0.18 | 1.31 | 0.47 | 4.89 | -2.87 | 22.20 | 20.02 | 37.85 | 5.79 | 2.52 | 1.98 | 2.66 | 2.66 |
| Book Value | 10.88 | 10.58 | 12.76 | 56.25 | 10.51 | 17.44 | 18.03 | 18.81 | 21.31 | 24.13 | 26.64 | 29.18 | 29.18 |
| Cash Flow/Share | 0.33 | 1.41 | 0.58 | 5.52 | -2.72 | 22.38 | 20.19 | 38.02 | 6.09 | 2.80 | 2.24 | 2.96 | 2.77 |
| Dividends/Share | 0.07 | 0.21 | 0.24 | 1.05 | N/A | N/A | 0.03 | 0.13 | 0.18 | 0.23 | 0.25 | 0.30 | 0.31 |
| Shares Out. | 3.2M | 3.6M | 3.1M | 0.7M | 4.3M | 4.6M | 6.1M | 6.7M | 6.5M | 6.4M | 6.3M | 6.3M | 6.3M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | 6.5 | 31.1 | 74.8 | 11.3 | 6.5 | 3.9 | 7.2 | 7.2 | 7.2 | 11.4 | N/A | 12.4 |
| P/FCF | N/A | 5.1 | 15.2 | 2.8 | N/A | 0.6 | 0.9 | 0.5 | 3.3 | 7.0 | 10.7 | N/A | 11.6 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -35.6 |
| Price/Book | N/A | 0.6 | 0.6 | 1.3 | 1.1 | 0.8 | 1.0 | 1.1 | 0.9 | 0.8 | 0.9 | N/A | 1.1 |
| Price/Sales | N/A | 2.1 | 1.6 | 2.9 | 2.7 | 1.6 | 0.8 | 2.3 | 2.6 | 2.1 | 2.6 | N/A | 1.7 |
| FCF Yield | N/A | 21.7% | 7.3% | 7.2% | -25.7% | 168.3% | 116.2% | 188.6% | 29.9% | 14.3% | 9.4% | N/A | 8.6% |
| Market Cap | 0 | 23M | 24M | 51M | 48M | 61M | 106M | 133M | 130M | 121M | 149M | 0 | 211M |
| Avg. Price | 0.00 | 7.07 | 7.19 | 11.67 | 12.90 | 11.88 | 11.55 | 18.44 | 20.41 | 17.13 | 21.23 | 0.00 | 33.44 |
| Year-End Price | 0.00 | 7.13 | 8.59 | 14.21 | 11.30 | 13.24 | 17.33 | 19.93 | 19.89 | 18.84 | 23.51 | 0.00 | 33.44 |
CF BANKSHARES INC. passes 3 of 9 quality checks, indicating weak fundamentals.
CF BANKSHARES INC. trades at 13.4x trailing earnings, compared to its 15-year median P/E of 7.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.7x vs a median of 3.1x. The company's 5-year average ROIC is 10.1% with a gross margin of 57.5%. Total shareholder yield (dividends + buybacks) is 1.5%. At current prices, the estimated annualized return to fair value is -31.4%.
CF BANKSHARES INC. (CFBK) has a net profit margin of 13.5%. This is a healthy margin.
CF BANKSHARES INC. (CFBK) generated $18 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CF BANKSHARES INC. (CFBK) has a debt-to-equity ratio of 0.05. This indicates a conservatively financed balance sheet.
CF BANKSHARES INC. (CFBK) reported earnings per share (EPS) of $2.69 in its most recent fiscal year.
CF BANKSHARES INC. (CFBK) has a return on equity (ROE) of 9.6%. This indicates moderate shareholder returns.
CF BANKSHARES INC. (CFBK) has a 5-year average gross margin of 57.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for CF BANKSHARES INC. (CFBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CF BANKSHARES INC. (CFBK) has a book value per share of $29.18, based on its most recent annual SEC filing.