CF Bankshares Statistics

Total Valuation

CF Bankshares has a market cap or net worth of $152.09 million. The enterprise value is $24.79 million.

Market Cap	152.09M
Enterprise Value	24.79M

Important Dates

The next estimated earnings date is Tuesday, August 5, 2025.

Earnings Date	Aug 5, 2025
Ex-Dividend Date	Apr 14, 2025

Share Statistics

CF Bankshares has 6.48 million shares outstanding. The number of shares has decreased by -1.75% in one year.

Current Share Class	5.22M
Shares Outstanding	6.48M
Shares Change (YoY)	-1.75%
Shares Change (QoQ)	-0.68%
Owned by Insiders (%)	16.91%
Owned by Institutions (%)	31.23%
Float	3.98M

Valuation Ratios

The trailing PE ratio is 10.29.

PE Ratio	10.29
Forward PE	n/a
PS Ratio	3.09
Forward PS	2.43
PB Ratio	0.88
P/TBV Ratio	0.88
P/FCF Ratio	8.82
P/OCF Ratio	8.66
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	1.73
EV / Sales	0.52
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.44

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	6.79
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.92%.

Return on Equity (ROE)	8.92%
Return on Assets (ROA)	0.71%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$462,748
Profits Per Employee	$138,903
Employee Count	103
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CF Bankshares has paid $3.21 million in taxes.

Income Tax	3.21M
Effective Tax Rate	17.88%

Stock Price Statistics

The stock price has increased by +33.66% in the last 52 weeks. The beta is 0.42, so CF Bankshares's price volatility has been lower than the market average.

Beta (5Y)	0.42
52-Week Price Change	+33.66%
50-Day Moving Average	23.45
200-Day Moving Average	23.88
Relative Strength Index (RSI)	50.88
Average Volume (20 Days)	34,546

Short Selling Information

The latest short interest is 12,311, so 0.19% of the outstanding shares have been sold short.

Short Interest	12,311
Short Previous Month	7,782
Short % of Shares Out	0.19%
Short % of Float	0.31%
Short Ratio (days to cover)	0.66

Income Statement

In the last 12 months, CF Bankshares had revenue of $47.66 million and earned $14.31 million in profits. Earnings per share was $2.28.

Revenue	47.66M
Gross Profit	47.66M
Operating Income	20.04M
Pretax Income	19.23M
Net Income	14.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.28

Full Income Statement

Balance Sheet

The company has $244.44 million in cash and $117.13 million in debt, giving a net cash position of $127.31 million or $19.64 per share.

Cash & Cash Equivalents	244.44M
Total Debt	117.13M
Net Cash	127.31M
Net Cash Per Share	$19.64
Equity (Book Value)	172.68M
Book Value Per Share	26.66
Working Capital	-1.53B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $17.56 million and capital expenditures -$317,000, giving a free cash flow of $17.24 million.

Operating Cash Flow	17.56M
Capital Expenditures	-317,000
Free Cash Flow	17.24M
FCF Per Share	$2.66

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	42.05%
Pretax Margin	37.68%
Profit Margin	30.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	36.17%

Dividends & Yields

This stock pays an annual dividend of $0.28, which amounts to a dividend yield of 1.20%.

Dividend Per Share	$0.28
Dividend Yield	1.20%
Dividend Growth (YoY)	12.50%
Years of Dividend Growth	4
Payout Ratio	11.83%
Buyback Yield	1.75%
Shareholder Yield	2.94%
Earnings Yield	9.41%
FCF Yield	11.33%

Dividend Details

Analyst Forecast

The average price target for CF Bankshares is $29.00, which is 23.56% higher than the current price. The consensus rating is "Buy".

Price Target	$29.00
Price Target Difference	23.56%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 21, 2018. It was a reverse split with a ratio of 0.1818181:1.

Last Split Date	Aug 21, 2018
Split Type	Reverse
Split Ratio	0.1818181:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4