CFBK
CF Bankshares Inc.
Price Chart
Latest Quote
$30.00
+0.13 (+0.44%)
Current Price
| Previous Close | $29.87 |
| Open | $30.28 |
| Day High | $30.44 |
| Day Low | $29.89 |
| Volume | 93,137 |
Stock Information
| Shares Outstanding | 6.42M |
| Total Debt | $125.32M |
| Cash Equivalents | $271.09M |
| Revenue | $53.37M |
| Net Income | $17.58M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $194.94M |
| P/E Ratio | 10.79 |
| EPS (TTM) | $2.78 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $52.23M |
| Sales | $53.37M |
| Income | $17.58M |
| Book/sh | $29.07 |
| Cash/sh | $42.22 |
| Employees | 98 |
Financial Ratios
| EPS Growth TTM | 13.40% |
Returns & Margins
| ROA | 0.85% |
| ROE | 10.03% |
| Operating Margin | 44.22% |
| Profit Margin | 33.98% |
Ownership
| Insider Ownership | 17.10% |
| Institutional Ownership | 60.92% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.14 |
| P/S | 3.65 |
| P/B | 1.03 |
Analyst Data
| Recommendation | none |
| Target Price | $33.50 |
Technical Indicators
| SMA20 | $29.31 |
| SMA50 | $28.79 |
| SMA200 | $26.80 |
| RSI | 63.96 |
| ATR | 0.9650 |
| Shares Float | 4.73M |
| Short Float | 0.86% |
| Short Ratio | 1.66 |
| Volatility | 0.41 |
| Rel Volume | 2.06 |
Performance History
| Week | -0.83% |
| Month | +10.50% |
| Quarter | +8.60% |
| 6 Months | +23.94% |
| YTD | +23.13% |
| Year | +29.95% |
| 3 Years | +101.38% |
| 5 Years | +64.48% |
| 10 Years | +325.21% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $30.00 | 111,800 |
| 2026-06-17 | $29.87 | 62,500 |
| 2026-06-16 | $30.47 | 40,800 |
| 2026-06-15 | $30.56 | 41,000 |
| 2026-06-12 | $31.26 | 62,500 |
| 2026-06-11 | $30.25 | 70,500 |
| 2026-06-10 | $30.15 | 85,200 |
| 2026-06-09 | $30.10 | 90,100 |
| 2026-06-08 | $29.90 | 72,000 |
| 2026-06-05 | $29.31 | 83,000 |
| 2026-06-04 | $28.84 | 63,000 |
| 2026-06-03 | $28.37 | 24,000 |
| 2026-06-02 | $28.81 | 40,100 |
| 2026-06-01 | $28.44 | 28,200 |
| 2026-05-29 | $28.52 | 59,400 |
| 2026-05-28 | $28.70 | 27,300 |
| 2026-05-27 | $28.70 | 27,500 |
| 2026-05-26 | $28.16 | 22,400 |
| 2026-05-22 | $27.91 | 23,400 |
| 2026-05-21 | $27.81 | 53,100 |
| 2026-05-20 | $27.51 | 32,100 |
| 2026-05-19 | $27.15 | 25,900 |
About CF Bankshares Inc.
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.
đ° Latest News
Piper Sandler Notes Interest Reversals Hurt CF Bankshares (CFBK) Earnings
Insider Monkey âĸ 2026-05-14T05:41:42Z
CF Bankshares Inc. (CFBK) Q1 Earnings and Revenues Lag Estimates
Zacks âĸ 2026-05-05T17:25:01Z
MVB Financial (MVBF) Surpasses Q1 Earnings Estimates
Zacks âĸ 2026-04-29T22:40:10Z
CF Bankshares Inc. (CFBK) Earnings Expected to Grow: Should You Buy?
Zacks âĸ 2026-04-28T14:00:21Z
Meridian Bank (MRBK) Q1 Earnings and Revenues Lag Estimates
Zacks âĸ 2026-04-23T23:35:03Z
NB Bancorp, Inc. (NBBK) Lags Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-22T21:45:08Z
3 Undervalued Small Caps With Insider Buying Opportunities
Simply Wall St. âĸ 2026-02-09T11:40:03Z
CF Bankshares Inc. (CFBK) Q4 Earnings Surpass Estimates
Zacks âĸ 2026-02-05T15:10:02Z
Undervalued Small Caps With Insider Activity In February 2026
Simply Wall St. âĸ 2026-02-03T11:39:52Z
Bankwell Financial Group, Inc. (BWFG) Q4 Earnings Lag Estimates
Zacks âĸ 2026-01-29T14:15:02Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $60,035,000 | $50,419,000 | $51,052,000 | $51,306,000 |
| Operating Revenue | $60,035,000 | $50,419,000 | $51,052,000 | $51,306,000 |
| Expenses | ||||
| Interest Expense | $64,972,000 | $71,745,000 | $60,639,000 | $18,974,000 |
| Selling And Marketing Expense | $418,000 | $134,000 | $336,000 | $431,000 |
| General And Administrative Expense | $18,658,000 | $17,023,000 | $17,595,000 | $17,064,000 |
| Professional Expense And Contract Services Expense | $3,157,000 | $2,729,000 | $2,470,000 | $2,758,000 |
| Other Non Interest Expense | $5,792,000 | $5,289,000 | $5,028,000 | $5,355,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Net Interest Income | $54,394,000 | $45,969,000 | $47,048,000 | $48,442,000 |
| Interest Income | $119,366,000 | $117,714,000 | $107,687,000 | $67,416,000 |
| Normalized Income | $17,541,000 | $13,433,480 | $16,985,600 | $18,620,000 |
| Net Income From Continuing And Discontinued Operation | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Net Income Common Stockholders | $17,001,000 | $13,026,000 | $16,937,000 | $18,164,000 |
| Net Income | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Net Income Including Noncontrolling Interests | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Net Income Continuous Operations | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Pretax Income | $21,527,000 | $16,144,000 | $20,985,000 | $22,592,000 |
| Special Income Charges | $0 | $-56,000 | $-60,000 | $-570,000 |
| Depreciation Amortization Depletion Income Statement | $476,000 | $486,000 | $567,000 | $496,000 |
| Depreciation And Amortization In Income Statement | $476,000 | $486,000 | $567,000 | $496,000 |
| Depreciation Income Statement | $476,000 | $486,000 | $567,000 | $496,000 |
| Per Share | ||||
| Diluted EPS | $2.69 | $2.06 | $2.63 | $2.78 |
| Basic EPS | $2.70 | $2.08 | $2.64 | $2.84 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-9,520 | $-11,400 | $-114,000 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-56,000 | $-60,000 | $-570,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-56,000 | $-60,000 | $-570,000 |
| Reconciled Depreciation | $476,000 | $486,000 | $567,000 | $496,000 |
| Diluted Average Shares | $6,331,799 | $6,308,992 | $6,447,447 | $6,535,160 |
| Basic Average Shares | $6,290,072 | $6,274,571 | $6,421,088 | $6,397,053 |
| Diluted NI Availto Com Stockholders | $17,001,000 | $13,026,000 | $16,937,000 | $18,164,000 |
| Otherunder Preferred Stock Dividend | $540,000 | $361,000 | - | - |
| Tax Provision | $3,986,000 | $2,757,000 | $4,048,000 | $4,428,000 |
| Impairment Of Capital Assets | $0 | $56,000 | $60,000 | $570,000 |
| Gain On Sale Of Security | $-103,000 | $0 | $0 | $0 |
| Selling General And Administration | $19,076,000 | $17,157,000 | $17,931,000 | $17,495,000 |
| Insurance And Claims | $2,252,000 | $2,277,000 | $2,424,000 | $1,307,000 |
| Salaries And Wages | $16,406,000 | $14,746,000 | $15,171,000 | $15,757,000 |
| Occupancy And Equipment | $1,760,000 | $1,821,000 | $1,694,000 | $1,253,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $184,426,000 | $168,437,000 | $155,374,000 | $139,248,000 |
| Total Assets | $2,117,321,000 | $2,065,523,000 | $2,058,615,000 | $1,820,174,000 |
| Receivables | $2,710,000 | $7,680,000 | $13,497,000 | $20,768,000 |
| Other Receivables | $2,710,000 | $7,680,000 | $13,497,000 | $20,768,000 |
| Cash And Cash Equivalents | $259,072,000 | $235,372,000 | $261,695,000 | $151,887,000 |
| Cash Cash Equivalents And Federal Funds Sold | $259,072,000 | $235,372,000 | $261,695,000 | $151,887,000 |
| Accounts Receivable | - | - | - | $39,362,000 |
| Cash Financial | - | - | - | $151,787,000 |
| Debt | ||||
| Total Debt | $121,881,000 | $113,909,000 | $130,258,000 | $125,821,000 |
| Long Term Debt And Capital Lease Obligation | $121,881,000 | $113,909,000 | $130,258,000 | $125,821,000 |
| Long Term Debt | $116,003,000 | $107,680,000 | $124,956,000 | $124,383,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,932,895,000 | $1,897,086,000 | $1,903,241,000 | $1,680,926,000 |
| Payables And Accrued Expenses | - | - | - | $23,670,000 |
| Payables | - | - | - | $23,670,000 |
| Accounts Payable | - | - | - | $23,670,000 |
| Equity | ||||
| Common Stock Equity | $184,426,000 | $168,437,000 | $155,374,000 | $139,248,000 |
| Total Equity Gross Minority Interest | $184,426,000 | $168,437,000 | $155,374,000 | $139,248,000 |
| Stockholders Equity | $184,426,000 | $168,437,000 | $155,374,000 | $139,248,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,371,000 | $-1,803,000 | $-2,290,000 | $-2,037,000 |
| Retained Earnings | $103,883,000 | $88,290,000 | $76,517,000 | $61,095,000 |
| Other | ||||
| Treasury Shares Number | $459,113 | $398,201 | $381,098 | $365,165 |
| Ordinary Shares Number | $6,418,349 | $6,402,085 | $6,545,560 | $6,496,824 |
| Share Issued | $6,877,462 | $6,800,286 | $6,926,658 | $6,861,989 |
| Tangible Book Value | $184,426,000 | $168,437,000 | $155,374,000 | $139,248,000 |
| Invested Capital | $300,429,000 | $276,117,000 | $280,330,000 | $263,631,000 |
| Capital Lease Obligations | $5,878,000 | $6,229,000 | $5,302,000 | $1,438,000 |
| Total Capitalization | $300,429,000 | $276,117,000 | $280,330,000 | $263,631,000 |
| Treasury Stock | $11,773,000 | $10,343,000 | $9,991,000 | $9,692,000 |
| Additional Paid In Capital | $93,618,000 | $92,225,000 | $91,068,000 | $89,813,000 |
| Capital Stock | $69,000 | $68,000 | $70,000 | $69,000 |
| Common Stock | $69,000 | $68,000 | $70,000 | $69,000 |
| Long Term Capital Lease Obligation | $5,878,000 | $6,229,000 | $5,302,000 | $1,438,000 |
| Investments And Advances | $17,496,000 | $13,683,000 | $13,092,000 | $15,442,000 |
| Net PPE | $9,227,000 | $9,623,000 | $9,033,000 | $5,135,000 |
| Accumulated Depreciation | $-2,402,000 | $-1,929,000 | $-1,785,000 | $-2,086,000 |
| Gross PPE | $11,629,000 | $11,552,000 | $10,818,000 | $7,221,000 |
| Other Properties | $5,680,000 | $6,087,000 | $5,221,000 | $1,357,000 |
| Machinery Furniture Equipment | $2,915,000 | $2,791,000 | $2,905,000 | $3,321,000 |
| Buildings And Improvements | $2,786,000 | $2,426,000 | $2,444,000 | $2,295,000 |
| Land And Improvements | $248,000 | $248,000 | $248,000 | $248,000 |
| Other Short Term Investments | $17,496,000 | $8,683,000 | $8,092,000 | $10,442,000 |
| Available For Sale Securities | - | $5,000,000 | $5,000,000 | $5,000,000 |
| Preferred Stock | - | - | - | $0 |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $18,201,000 | $13,923,000 | $17,390,000 | $38,859,000 |
| Operating Activities | ||||
| Operating Cash Flow | $18,688,000 | $14,189,000 | $18,051,000 | $39,764,000 |
| Cash Flow From Continuing Operating Activities | $18,688,000 | $14,189,000 | $18,051,000 | $39,764,000 |
| Operating Gains Losses | $-595,000 | $-625,000 | $-112,000 | $-439,000 |
| Investing Activities | ||||
| Capital Expenditure | $-487,000 | $-266,000 | $-661,000 | $-905,000 |
| Investing Cash Flow | $-25,040,000 | $-32,994,000 | $-121,853,000 | $-353,321,000 |
| Cash Flow From Continuing Investing Activities | $-25,040,000 | $-32,994,000 | $-121,853,000 | $-353,321,000 |
| Net Other Investing Changes | $1,565,000 | $142,000 | $-881,000 | $-364,804,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,430,000 | $-352,000 | $-299,000 | $-2,512,000 |
| Financing Cash Flow | $30,052,000 | $-7,518,000 | $213,610,000 | $298,753,000 |
| Cash Flow From Continuing Financing Activities | $30,052,000 | $-7,518,000 | $213,610,000 | $298,753,000 |
| Net Other Financing Charges | $285,000 | $59,000 | $-1,334,000 | $761,000 |
| Cash Dividends Paid | $-1,948,000 | $-1,614,000 | $-1,476,000 | $-1,153,000 |
| Common Stock Dividend Paid | $-1,948,000 | $-1,614,000 | $-1,476,000 | $-1,153,000 |
| Net Common Stock Issuance | $-1,430,000 | $-352,000 | $-299,000 | $-2,512,000 |
| Issuance Of Capital Stock | - | - | - | - |
| Net Preferred Stock Issuance | - | - | - | - |
| Preferred Stock Issuance | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-1,954,000 | $-44,500,000 | $-36,575,000 | $-20,450,000 |
| Issuance Of Debt | $10,205,000 | $27,151,000 | $37,075,000 | $40,150,000 |
| Interest Paid Supplemental Data | $64,718,000 | $72,166,000 | $58,799,000 | $18,362,000 |
| Income Tax Paid Supplemental Data | $2,685,000 | $664,000 | $3,975,000 | $2,450,000 |
| End Cash Position | $258,972,000 | $235,272,000 | $261,595,000 | $151,787,000 |
| Beginning Cash Position | $235,272,000 | $261,595,000 | $151,787,000 | $166,591,000 |
| Changes In Cash | $23,700,000 | $-26,323,000 | $109,808,000 | $-14,804,000 |
| Proceeds From Stock Option Exercised | $0 | $0 | $84,000 | $387,000 |
| Common Stock Payments | $-1,430,000 | $-352,000 | $-299,000 | $-2,512,000 |
| Net Issuance Payments Of Debt | $8,251,000 | $-17,349,000 | $500,000 | $19,700,000 |
| Net Long Term Debt Issuance | $8,251,000 | $-17,349,000 | $500,000 | $19,700,000 |
| Long Term Debt Payments | $-1,954,000 | $-44,500,000 | $-36,575,000 | $-20,450,000 |
| Long Term Debt Issuance | $10,205,000 | $27,151,000 | $37,075,000 | $40,150,000 |
| Net Investment Purchase And Sale | $-3,319,000 | $56,000 | $2,705,000 | $3,517,000 |
| Sale Of Investment | $5,897,000 | $2,205,000 | $3,905,000 | $3,517,000 |
| Purchase Of Investment | $-9,216,000 | $-2,149,000 | $-1,200,000 | $0 |
| Net PPE Purchase And Sale | $-487,000 | $-266,000 | $-661,000 | $-905,000 |
| Purchase Of PPE | $-487,000 | $-266,000 | $-661,000 | $-905,000 |
| Change In Working Capital | $-2,921,000 | $-4,021,000 | $-487,000 | $-5,442,000 |
| Change In Other Current Liabilities | $-605,000 | $-692,000 | $-686,000 | $-594,000 |
| Change In Other Current Assets | $661,000 | $753,000 | $687,000 | $568,000 |
| Change In Payables And Accrued Expense | $-4,451,000 | $-7,602,000 | $2,188,000 | $1,059,000 |
| Change In Payable | $-4,451,000 | $-7,602,000 | $2,188,000 | $1,059,000 |
| Change In Account Payable | $-4,451,000 | $-7,602,000 | $2,188,000 | $1,059,000 |
| Change In Receivables | $1,474,000 | $3,520,000 | $-2,676,000 | $-6,475,000 |
| Changes In Account Receivables | $1,474,000 | $3,520,000 | $-2,676,000 | $-6,475,000 |
| Other Non Cash Items | $-5,268,000 | $-2,565,000 | $-2,799,000 | $25,084,000 |
| Stock Based Compensation | $1,394,000 | $1,155,000 | $1,172,000 | $899,000 |
| Deferred Tax | $-186,000 | $-365,000 | $456,000 | $215,000 |
| Deferred Income Tax | $-186,000 | $-365,000 | $456,000 | $215,000 |
| Depreciation Amortization Depletion | $476,000 | $486,000 | $567,000 | $496,000 |
| Depreciation And Amortization | $476,000 | $486,000 | $567,000 | $496,000 |
| Depreciation | $476,000 | $486,000 | $567,000 | $496,000 |
| Gain Loss On Investment Securities | $103,000 | $0 | $0 | - |
| Gain Loss On Sale Of PPE | $0 | $56,000 | $60,000 | $570,000 |
| Net Income From Continuing Operations | $17,541,000 | $13,387,000 | $16,937,000 | $18,164,000 |
| Amortization Cash Flow | - | $-1,376,000 | $-1,024,000 | $-881,000 |
| Amortization Of Intangibles | - | $-1,376,000 | $-1,024,000 | $-881,000 |
| Net Short Term Debt Issuance | - | - | $0 | $0 |
| Sale Of PPE | - | - | $0 | $0 |
| Asset Impairment Charge | - | - | $60,000 | $570,000 |
Fetched: 2026-06-15