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CF Bankshares Inc.NasdaqCM:CFBK Stock Report

Market Cap US$195.6m
Share Price
US$30.15
US$33.5
10.0% undervalued intrinsic discount
1Y26.7%
7D6.3%
1D
Portfolio Value
View

CF Bankshares Inc.

NasdaqCM:CFBK Stock Report

Market Cap: US$195.6m

CF Bankshares (CFBK) Stock Overview

Operates as the bank holding company for CFBank, National Association that provides various banking products and services. More details

CFBK fundamental analysis
Snowflake Score
Valuation5/6
Future Growth4/6
Past Performance4/6
Financial Health5/6
Dividends1/6

CFBK Community Fair Values

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CF Bankshares Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for CF Bankshares
Historical stock prices
Current Share PriceUS$30.15
52 Week HighUS$34.34
52 Week LowUS$22.10
Beta0.41
1 Month Change12.67%
3 Month Change4.47%
1 Year Change26.73%
3 Year Change93.89%
5 Year Change53.12%
Change since IPO-90.03%

Recent News & Updates

Recent updates

Seeking Alpha Feb 20

Recent Run Removed Some Of The Opportunity For Investing In CF Bankshares

Summary CF Bankshares delivered strong FY 2025 earnings growth, but loan portfolio risks temper enthusiasm for a Buy rating. CFBK's branch-lite model drives efficiency, with a 49.17% efficiency ratio and improving profitability, yet net interest margin lags peers. Non-performing loans and assets rose at year-end, with a coverage ratio of 115.3%—well below peer averages, limiting margin for error. Dividend yield remains low at 1.12%, despite six increases since 2021; future upside depends on improved loan quality and sustained earnings growth. Read the full article on Seeking Alpha
Analysis Article Jan 08

CF Bankshares (NASDAQ:CFBK) Will Pay A Larger Dividend Than Last Year At $0.09

CF Bankshares Inc. ( NASDAQ:CFBK ) will increase its dividend from last year's comparable payment on the 26th of...
Analysis Article Jul 04

CF Bankshares' (NASDAQ:CFBK) Upcoming Dividend Will Be Larger Than Last Year's

CF Bankshares Inc. ( NASDAQ:CFBK ) will increase its dividend from last year's comparable payment on the 21st of July...
Analysis Article Oct 05

CF Bankshares' (NASDAQ:CFBK) Upcoming Dividend Will Be Larger Than Last Year's

The board of CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that the dividend on 19th of October will be increased to...
Analysis Article May 23

Increases to CF Bankshares Inc.'s (NASDAQ:CFBK) CEO Compensation Might Cool off for now

Key Insights CF Bankshares will host its Annual General Meeting on 29th of May CEO Tim O’Dell's total compensation...
Analysis Article Jul 13

CF Bankshares (NASDAQ:CFBK) Is Paying Out A Dividend Of $0.06

The board of CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that it will pay a dividend of $0.06 per share on the 1st...
Analysis Article Oct 07

CF Bankshares (NASDAQ:CFBK) Is Increasing Its Dividend To $0.05

CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that it will be increasing its dividend from last year's comparable...
Seeking Alpha Oct 04

CF Bankshares  declares $0.05 dividend

CF Bankshares  (NASDAQ:CFBK) declares $0.05/share quarterly dividend, in line with previous. Forward yield 0.91% Payable Oct. 25; for shareholders of record Oct. 14; ex-div Oct. 13. See CFBK Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha Aug 03

CF Bankshares  GAAP EPS of $0.72 beats by $0.04, revenue of $12.35M beats by $0.35M

CF Bankshares  press release (NASDAQ:CFBK): Q2 GAAP EPS of $0.72 beats by $0.04. Revenue of $12.35M (+3.0% Y/Y) beats by $0.35M.
Seeking Alpha Jul 05

CF Bankshares raises dividend by 25% to $0.05

CF Bankshares  (NASDAQ:CFBK) declares $0.05/share quarterly dividend, 25% increase from prior dividend of $0.04. Forward yield 0.95% Payable July 26; for shareholders of record July 15; ex-div July 14. See CFBK Dividend Scorecard, Yield Chart, & Dividend Growth.
Analysis Article May 07

One CF Bankshares Inc. (NASDAQ:CFBK) Analyst Is Reducing Their Forecasts For This Year

Today is shaping up negative for CF Bankshares Inc. ( NASDAQ:CFBK ) shareholders, with the covering analyst delivering...

Shareholder Returns

CFBKUS BanksUS Market
7D6.3%3.9%-4.1%
1Y26.7%21.7%20.6%

Return vs Industry: CFBK exceeded the US Banks industry which returned 21.5% over the past year.

Return vs Market: CFBK exceeded the US Market which returned 22.3% over the past year.

Price Volatility

Is CFBK's price volatile compared to industry and market?
CFBK volatility
CFBK Average Weekly Movement3.4%
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

Stable Share Price: CFBK has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CFBK's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1892101Tim O’Dellwww.cf.bank

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.

CF Bankshares Inc. Fundamentals Summary

How do CF Bankshares's earnings and revenue compare to its market cap?
CFBK fundamental statistics
Market capUS$195.59m
Earnings (TTM)US$17.58m
Revenue (TTM)US$53.37m
11.1x
P/E Ratio
1.0x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFBK income statement (TTM)
RevenueUS$53.37m
Cost of RevenueUS$0
Gross ProfitUS$53.37m
Other ExpensesUS$35.80m
EarningsUS$17.58m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)2.70
Gross Margin100.00%
Net Profit Margin32.93%
Debt/Equity Ratio63.1%

How did CFBK perform over the long term?

See historical performance and comparison

Dividends

1.2%
Current Dividend Yield
11%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/10 03:49
End of Day Share Price 2026/06/10 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

CF Bankshares Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Justin CrowleyPiper Sandler Companies