CF Bankshares Inc. (CFBK)

CF Bankshares Statistics

Total Valuation

CF Bankshares has a market cap or net worth of $202.05 million. The enterprise value is $64.99 million.

Market Cap	202.05M
Enterprise Value	64.99M

Important Dates

The last earnings date was Thursday, February 5, 2026, before market open.

Earnings Date	Feb 5, 2026
Ex-Dividend Date	Jan 15, 2026

Share Statistics

CF Bankshares has 6.42 million shares outstanding. The number of shares has increased by 0.36% in one year.

Current Share Class	6.34M
Shares Outstanding	6.42M
Shares Change (YoY)	+0.36%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	15.55%
Owned by Institutions (%)	50.89%
Float	4.71M

Valuation Ratios

The trailing PE ratio is 11.70 and the forward PE ratio is 8.55.

PE Ratio	11.70
Forward PE	8.55
PS Ratio	3.84
Forward PS	2.90
PB Ratio	1.11
P/TBV Ratio	1.10
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.82
EV / Sales	1.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 9.94%.

Return on Equity (ROE)	9.94%
Return on Assets (ROA)	0.84%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.03%
Revenue Per Employee	$511,680
Profits Per Employee	$165,058
Employee Count	103
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CF Bankshares has paid $3.99 million in taxes.

Income Tax	3.99M
Effective Tax Rate	18.52%

Stock Price Statistics

The stock price has increased by +25.97% in the last 52 weeks. The beta is 0.40, so CF Bankshares's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	+25.97%
50-Day Moving Average	27.65
200-Day Moving Average	24.84
Relative Strength Index (RSI)	62.24
Average Volume (20 Days)	62,749

Short Selling Information

The latest short interest is 81,808, so 1.27% of the outstanding shares have been sold short.

Short Interest	81,808
Short Previous Month	97,677
Short % of Shares Out	1.27%
Short % of Float	1.74%
Short Ratio (days to cover)	2.16

Income Statement

In the last 12 months, CF Bankshares had revenue of $52.70 million and earned $17.00 million in profits. Earnings per share was $2.69.

Revenue	52.70M
Gross Profit	52.70M
Operating Income	23.60M
Pretax Income	21.53M
Net Income	17.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.69

Balance Sheet

The company has $259.07 million in cash and $121.88 million in debt, with a net cash position of $137.19 million or $21.37 per share.

Cash & Cash Equivalents	259.07M
Total Debt	121.88M
Net Cash	137.19M
Net Cash Per Share	$21.37
Equity (Book Value)	184.43M
Book Value Per Share	28.73
Working Capital	-1.49B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	44.78%
Pretax Margin	40.85%
Profit Margin	33.28%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 1.14%.

Dividend Per Share	$0.36
Dividend Yield	1.14%
Dividend Growth (YoY)	23.08%
Years of Dividend Growth	5
Payout Ratio	11.90%
Buyback Yield	-0.36%
Shareholder Yield	0.78%
Earnings Yield	8.41%
FCF Yield	n/a

Analyst Forecast

The average price target for CF Bankshares is $29.00, which is -7.88% lower than the current price. The consensus rating is "Buy".

Price Target	$29.00
Price Target Difference	-7.88%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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 1:5.5.

Last Split Date	Aug 21, 2018
Split Type	Reverse
Split Ratio	1:5.5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2