CF Bankshares Inc.
$28.37
-0.70%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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 10.5).
Valuation inputs: P/E 10.5, earnings yield +9.5%, momentum -0.7%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +9.2%, ROIC +0.8%).
Profitability stack: net margin +13.5%, ROE +9.2%, ROIC +0.8%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +91.3%, momentum -0.7%, net margin +13.5%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
CF Bankshares Inc. Market vs Earnings Trajectory
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CF Bankshares Inc. Fair Value Envelope
CF Bankshares Inc. Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.
CF Bankshares Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
CF Bankshares Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
CF Bankshares Inc. Street Expectations Map
Wall Street analysts project that CFBK stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 29.00, with estimates ranging from a low of 29.00 to a high of 29.00.
The consensus 1-year price target stands at 29.00, with estimates ranging from a low of 29.00 to a high of 29.00.
Analyst Consensus Analysis
Upside Potential
Fair value territory. Stock trading near consensus target suggests limited near-term catalysts. Focus on fundamental developments.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Neutral sentiment. Fair value pricing with moderate agreement suggests wait-and-see approach or catalyst-driven opportunity.
Market Sentiment Insight
Efficient pricing: Stock trading at fair value with strong consensus suggests market has priced in expectations. Look for fundamental inflection points or new catalysts to drive meaningful moves.
CF Bankshares Inc. Insider Positioning
During the last 12 months, insiders have purchased $63K and sold $550K worth of CFBK shares, resulting in $488K of net selling activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
2.4K
58.10K
0
0.00
+58K
+$58K
6-9 Months
200
4.78K
0
0.00
+5K
+$5K
9-12 Months
0
0.00
21.7K
550.43K
-550K
-$550K
Top Buyers
Ringwald Bradley J
Officer: Bank President
$24K
Hoeweler Robert E
Director
$24K
Beerman Kevin J
Officer: Evp & Chief Financial Officer
$5K
Frauenberg James H Ii
Director
$5K
Ash Thomas P
Director
$5K
Top Sellers
O'Dell Timothy T
Director, Officer: Ceo
$509K
Mckinney Marianne
Officer: Evp & Chief Operating Officer
$42K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $488K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Insider Participation
5 insider buyers vs. 2 sellers. Broad-based buying across management team suggests widespread confidence.
cfbk Dividend History
Learning Layer
Related Guides
Build conviction on CFBK by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.