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Financial Services - Banks - Regional - NASDAQ - US
$ 24.2
0.207 %
$ 157 M
Market Cap
10.66
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one CFBK stock under the worst case scenario is HIDDEN Compared to the current market price of 24.2 USD, CF Bankshares Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one CFBK stock under the base case scenario is HIDDEN Compared to the current market price of 24.2 USD, CF Bankshares Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one CFBK stock under the best case scenario is HIDDEN Compared to the current market price of 24.2 USD, CF Bankshares Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CFBK

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$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
122 M REVENUE
9.38%
16.1 M OPERATING INCOME
-23.07%
13.4 M NET INCOME
-20.96%
14.2 M OPERATING CASH FLOW
-21.39%
-33 M INVESTING CASH FLOW
72.92%
-7.52 M FINANCING CASH FLOW
-3.52%
30.1 M REVENUE
-2.89%
5.58 M OPERATING INCOME
8.02%
4.43 M NET INCOME
0.29%
2.21 M OPERATING CASH FLOW
-82.54%
-22.9 M INVESTING CASH FLOW
-304.30%
26.4 M FINANCING CASH FLOW
607.41%
Balance Sheet CF Bankshares Inc.
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Current Assets 252 M
Cash & Short-Term Investments 244 M
Receivables 7.68 M
Other Current Assets 100 K
Non-Current Assets 1.81 B
Long-Term Investments 1.72 B
PP&E 9.62 M
Other Non-Current Assets 82.2 M
11.81 %83.37 %3.98 %Total Assets$2.1b
Current Liabilities 1.76 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 1.76 B
Non-Current Liabilities 141 M
Long-Term Debt 114 M
Other Non-Current Liabilities 27.4 M
92.55 %6.00 %Total Liabilities$1.9b
EFFICIENCY
Earnings Waterfall CF Bankshares Inc.
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Revenue 122 M
Cost Of Revenue 78.5 M
Gross Profit 43.7 M
Operating Expenses 27.5 M
Operating Income 16.1 M
Other Expenses 2.76 M
Net Income 13.4 M
140m140m120m120m100m100m80m80m60m60m40m40m20m20m00122m(78m)44m(28m)16m(3m)13mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
35.76% GROSS MARGIN
35.76%
13.22% OPERATING MARGIN
13.22%
10.96% NET MARGIN
10.96%
7.95% ROE
7.95%
0.65% ROA
0.65%
4.32% ROIC
4.32%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CF Bankshares Inc.
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300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 13.4 M
Depreciation & Amortization 486 K
Capital Expenditures -266 K
Stock-Based Compensation 1.16 M
Change in Working Capital -4.02 M
Others 3.61 M
Free Cash Flow 13.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CF Bankshares Inc.
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Wall Street analysts predict an average 1-year price target for CFBK of $29 , with forecasts ranging from a low of $29 to a high of $29 .
CFBK Lowest Price Target Wall Street Target
29 USD 19.83%
CFBK Average Price Target Wall Street Target
29 USD 19.83%
CFBK Highest Price Target Wall Street Target
29 USD 19.83%
Price
Max Price Target
Min Price Target
Average Price Target
303029292828272726262525242423232222212120201919Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.33% DIVIDEND YIELD
0.08 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.300.300.250.250.200.200.150.150.100.100.050.050.000.000.030.040.050.060.070.030.040.060.060.070.030.050.060.060.080.030.120.040.170.050.220.060.240.070.290.00202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership CF Bankshares Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
621 K USD 2
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
24.1 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 14% INCREASE IN ITS QUARTERLY CASH DIVIDEND AND ITS ADDITION TO RUSSELL 3000® INDEX COLUMBUS, Ohio , July 1, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared an $0.08 per share quarterly cash dividend on its common stock and a corresponding $8.00 per share quarterly cash dividend on its Series D preferred stock. This represents a 14% increase over its previous quarterly dividend. prnewswire.com - 1 week ago
CF BANKSHARES INC., PARENT OF CFBANK, NA, PROVIDES INFORMATIONAL SLIDES IN CONJUNCTION WITH ITS 2025 ANNUAL MEETING COLUMBUS, Ohio , June 4, 2025 /PRNewswire/ -- In conjunction with its 2025 Annual Meeting, CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, has provided slides with information regarding the Company's historical growth rates and key initiatives. The slides can be viewed by clicking "View PDF" below. prnewswire.com - 1 month ago
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 1ST QUARTER 2025 COLUMBUS, Ohio , May 6, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the first quarter ended March 31, 2025. First Quarter 2025 Highlights Net income for Q1 2025 was $4.4 million ( $0.68 per diluted common share), which included $600k of Provision expense. prnewswire.com - 2 months ago
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES ADDITION OF MATT TUOHEY AS MARKET PRESIDENT FOR NORTHEAST OHIO (GREATER CLEVELAND) REGION. COLUMBUS, Ohio , May 5, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, is pleased to announce the addition of Matt Tuohey as Market President for the Northeast Ohio (Greater Cleveland) region. Matt brings over 30 years of experience in commercial banking and executive leadership within the Northeast Ohio market. prnewswire.com - 2 months ago
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND. COLUMBUS, Ohio , April 2, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared a $0.07 per share quarterly cash dividend on its common stock and a corresponding $7.00 per share quarterly cash dividend on its Series D preferred stock.  Each share of Series D preferred stock is convertible into 100 shares of common stock. prnewswire.com - 3 months ago
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2024. COLUMBUS, Ohio , Feb. 12, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and the full year ended December 31, 2024. Fourth Quarter and Full Year 2024 Highlights Net income was $4.4 million ( $0.68 per diluted common share) for the fourth quarter and $13.4 million  ( $2.06 per diluted common share) for the year ended December 31, 2024. prnewswire.com - 4 months ago
CF BANKSHARES INC. ANNOUNCES STOCK REPURCHASE PROGRAM FOR UP TO 325,000 SHARES, OR APPROXIMATELY 5% OF OUTSTANDING COMMON STOCK COLUMBUS, Ohio , Feb. 4, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, announced today that the Board of Directors of the Company has authorized a new stock repurchase program pursuant to which the Company may repurchase up to 325,000 shares, or approximately 5% of the Company's outstanding common stock, on or before January 31, 2026.  Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions. prnewswire.com - 5 months ago
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND COLUMBUS, Ohio , Jan. 6, 2025 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared a $0.07 per share quarterly cash dividend on its common stock and a corresponding $7.00 per share quarterly cash dividend on its Series D preferred stock.  Each share of Series D preferred stock is convertible into 100 shares of common stock. prnewswire.com - 6 months ago
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2024 COLUMBUS, Ohio , Oct. 30, 2024 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the third quarter ended September 30, 2024. Third Quarter 2024 and YTD Highlights Net income for Q3 2024 was $4.2 million ( $0.65 per diluted common share). prnewswire.com - 8 months ago
Best Value Stocks to Buy for October 18th HY, BABA and CF made it to the Zacks Rank #1 (Strong Buy) value stocks list on October 18, 2024. zacks.com - 8 months ago
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 17% INCREASE IN ITS QUARTERLY CASH DIVIDEND COLUMBUS, Ohio , Oct. 1, 2024 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared a $0.07 per share quarterly cash dividend on its common stock and a corresponding $7.00 per share quarterly cash dividend on its Series D preferred stock.   This represents a 17% increase over its previous quarterly dividend. prnewswire.com - 9 months ago
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2024 COLUMBUS, Ohio , Aug. 6, 2024 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the second quarter ended June 30, 2024. Second Quarter 2024 and YTD Highlights Net income for Q2 2024 was $1.7 million ( $0.26 earnings per diluted common share). prnewswire.com - 11 months ago
8. Profile Summary

CF Bankshares Inc. CFBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 157 M
Dividend Yield 0.33%
Description 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.
Contact 7000 North High Street, Columbus, OH, 43085 https://www.cf.bank
IPO Date Dec. 30, 1998
Employees 102
Officers Ms. Barbara Pyke Corporate Secretary Mr. Timothy T. O'Dell President, Chief Executive Officer & Director David Hand Senior Vice President of Residential Mortgage Mr. Timothy Meder Executive Vice President & Chief Commercial Credit Officer of CFBank Ms. Marianne N. McKinney Executive Vice President & Chief Operating Officer of CFBank Mr. Matt Tuohey Market President of Northeast Ohio Region-Greater Cleveland Mr. Paul Souleyrette Market President of Cincinnati Market Mr. Kevin J. Beerman Executive Vice President & Chief Financial Officer