CF Bankshares Inc. (CFBK)

CF Bankshares Statistics

Total Valuation

CF Bankshares has a market cap or net worth of $147.11 million. The enterprise value is -$3.33 million.

Market Cap	147.11M
Enterprise Value	-3.33M

Important Dates

The last earnings date was Monday, November 3, 2025, before market open.

Earnings Date	Nov 3, 2025
Ex-Dividend Date	Oct 10, 2025

Share Statistics

CF Bankshares has 6.44 million shares outstanding. The number of shares has decreased by -0.28% in one year.

Current Share Class	6.37M
Shares Outstanding	6.44M
Shares Change (YoY)	-0.28%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	16.66%
Owned by Institutions (%)	30.43%
Float	4.33M

Valuation Ratios

The trailing PE ratio is 9.17 and the forward PE ratio is 6.32.

PE Ratio	9.17
Forward PE	6.32
PS Ratio	2.83
Forward PS	2.16
PB Ratio	0.82
P/TBV Ratio	0.82
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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 9.45%.

Return on Equity (ROE)	9.45%
Return on Assets (ROA)	0.78%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$492,466
Profits Per Employee	$152,893
Employee Count	103
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CF Bankshares has paid $3.64 million in taxes.

Income Tax	3.64M
Effective Tax Rate	18.31%

Stock Price Statistics

The stock price has decreased by -18.41% in the last 52 weeks. The beta is 0.48, so CF Bankshares's price volatility has been lower than the market average.

Beta (5Y)	0.48
52-Week Price Change	-18.41%
50-Day Moving Average	24.02
200-Day Moving Average	23.57
Relative Strength Index (RSI)	36.85
Average Volume (20 Days)	17,834

Short Selling Information

The latest short interest is 53,405, so 0.83% of the outstanding shares have been sold short.

Short Interest	53,405
Short Previous Month	66,358
Short % of Shares Out	0.83%
Short % of Float	1.23%
Short Ratio (days to cover)	1.73

Income Statement

In the last 12 months, CF Bankshares had revenue of $50.72 million and earned $15.75 million in profits. Earnings per share was $2.49.

Revenue	50.72M
Gross Profit	50.72M
Operating Income	21.96M
Pretax Income	19.86M
Net Income	15.75M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.49

Balance Sheet

The company has $272.46 million in cash and $122.02 million in debt, giving a net cash position of $150.44 million or $23.35 per share.

Cash & Cash Equivalents	272.46M
Total Debt	122.02M
Net Cash	150.44M
Net Cash Per Share	$23.35
Equity (Book Value)	179.29M
Book Value Per Share	27.82
Working Capital	-1.48B

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	43.30%
Pretax Margin	39.15%
Profit Margin	31.98%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 1.39%.

Dividend Per Share	$0.32
Dividend Yield	1.39%
Dividend Growth (YoY)	20.00%
Years of Dividend Growth	4
Payout Ratio	12.05%
Buyback Yield	0.28%
Shareholder Yield	1.69%
Earnings Yield	10.70%
FCF Yield	n/a

Analyst Forecast

The average price target for CF Bankshares is $29.00, which is 27.03% higher than the current price. The consensus rating is "Buy".

Price Target	$29.00
Price Target Difference	27.03%
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