CF Bankshares Inc. (CFBK) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

CF Bankshares Inc. (CFBK) Financial Services Profile

CF Bankshares Inc., operating through CFBank, N.A., provides banking products and services, including deposit accounts and loans, primarily in Ohio. With a focus on commercial and residential lending, the company leverages its branch network and digital platforms to serve individuals and businesses in a competitive regional banking market.

What Is the Investment Thesis for CFBK?

With a P/E ratio of 12.14 and a profit margin of 14.1%, the company demonstrates solid profitability. A dividend yield of 1.24% provides some income for investors. Key growth catalysts include expansion of its commercial lending activities and continued adoption of its digital banking services. However, potential risks include increased competition from larger regional and national banks and sensitivity to changes in interest rates. The company's beta of 0.42 suggests lower volatility compared to the overall market.

Based on FMP financials and quantitative analysis

CFBK Key Highlights

Market capitalization of $228M indicates a mid-sized regional bank.

• P/E ratio of 12.14 suggests the company may be undervalued compared to its earnings.
• Profit margin of 14.1% demonstrates efficient operations and profitability.
• Gross margin of 42.5% reflects a healthy spread between interest income and interest expense.
• Dividend yield of 1.24% provides a modest income stream for investors.

Who Are CFBK's Competitors?

CFBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are CFBK's Key Strengths?

Established presence in Ohio.

• Diversified loan portfolio.
• Strong customer relationships.
• Experienced management team.

What Are CFBK's Weaknesses?

Limited geographic reach.

• Smaller scale compared to larger regional banks.
• Reliance on traditional banking model.
• Limited brand recognition outside of Ohio.

What Could Drive CFBK Stock Higher?

Expansion of digital banking services to attract new customers and improve customer retention.

• Growth in commercial lending activities, driven by increased demand from small and medium-sized businesses.
• Strategic acquisitions of smaller community banks to expand geographic footprint.
• Potential increase in interest rates, which could improve net interest margin.

What Are the Key Risks for CFBK?

Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).

• Increased competition from larger regional and national banks.
• Economic downturn, which could lead to increased loan defaults.
• Evolving regulatory requirements, which could increase compliance costs.
• Cybersecurity threats and data breaches, which could damage the company's reputation.

What Are the Growth Opportunities for CFBK?

• Expansion of Commercial Lending: CF Bankshares Inc. can capitalize on the growing demand for commercial loans in the Ohio region. By targeting small and medium-sized businesses with tailored loan products and services, the company can increase its market share and drive revenue growth. The commercial lending market in Ohio is estimated to be worth several billion dollars, offering significant growth potential for CFBank.
• Digital Banking Adoption: Increased adoption of digital banking services presents a significant growth opportunity for CF Bankshares Inc. By investing in user-friendly mobile and online platforms, the company can attract and retain customers while reducing operational costs. The digital banking market is experiencing rapid growth, with a projected market size of over $8 billion by 2028.
• Strategic Acquisitions: CF Bankshares Inc. can pursue strategic acquisitions of smaller community banks or credit unions to expand its geographic footprint and customer base. Acquisitions can provide access to new markets and product lines, accelerating the company's growth trajectory. The regional banking sector is ripe for consolidation, offering numerous acquisition opportunities.
• Treasury Management Services: Enhancing treasury management services for businesses can drive fee income and strengthen customer relationships. By offering advanced cash management, payment processing, and fraud prevention solutions, CF Bankshares Inc. can attract and retain corporate clients. The treasury management services market is estimated to be worth over $30 billion annually.
• Mortgage Loan Growth: CF Bankshares Inc. can increase its mortgage loan portfolio by targeting first-time homebuyers and homeowners looking to refinance. By offering competitive interest rates and flexible loan terms, the company can capture a larger share of the mortgage market. The mortgage market is influenced by interest rates and economic conditions, presenting both opportunities and challenges.

What Are CFBK's Competitive Advantages?

• Established presence in the Ohio banking market.
• Strong relationships with local businesses and communities.
• Diversified portfolio of banking products and services.
• Experienced management team with deep industry knowledge.

What Does CFBK Do?

CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio. Originally known as Central Federal Corporation, the company rebranded as CF Bankshares Inc. in July 2020. As the holding company for CFBank, National Association, it provides a comprehensive suite of banking products and services to individuals and businesses across the United States. CFBank offers a variety of deposit accounts, including savings, retail and business checking, and money market accounts, as well as certificates of deposit. Its lending portfolio encompasses 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 and home improvement loans. The bank also provides digital banking solutions, including internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, CFBank operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, along with a loan production office in Franklin County, Ohio. The company's strategy focuses on building relationships with its customers and providing tailored financial solutions to meet their specific needs.

What Products and Services Does CFBK Offer?

• Provides retail and business banking services.
• Offers savings, checking, and money market accounts.
• Provides single-family and commercial mortgage loans.
• Offers commercial and construction loans.
• Provides home equity lines of credit and home improvement loans.
• Offers internet and mobile banking services.
• Provides remote deposit and treasury management services.

How Does CFBK Make Money?

• Generates revenue through interest income on loans.
• Earns fees from deposit accounts and other banking services.
• Manages risk through credit analysis and loan diversification.
• Expands its customer base through branch network and digital channels.

What Industry Does CFBK Operate In?

CF Bankshares Inc. operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory requirements. Regional banks like CF Bankshares Inc. face competition from larger national banks, credit unions, and fintech companies. Market trends include a growing demand for digital banking services, increased focus on commercial lending, and a rising interest rate environment. CF Bankshares Inc. differentiates itself through its local market expertise and personalized customer service.

Who Are CFBK's Key Customers?

• Individuals seeking personal banking services.
• Small and medium-sized businesses requiring commercial loans.
• Real estate developers needing construction financing.
• Homeowners seeking mortgage loans and home equity lines of credit.

Company Profile

CF Bankshares Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Columbus, United States.

Return on equity for CF Bankshares Inc. stands at 9.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. CFBK trades at a trailing price-to-earnings ratio of 12.14, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 10.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.18 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.1%, the inverse of the P/E and a quick read on earnings relative to price.

CFBK Valuation & Market Position

With a $228M market cap, CF Bankshares Inc. sits in the micro-cap segment of the market. Analyst price targets span from $40.00 to $40.00, with a consensus of $40.00. At the current price of $35.38, that implies approximately 13% upside potential. Relative to its peer group, CFBK's quantitative score of 74/100 is below the peer average of 91/100.

Quarterly Financial Performance: CF Bankshares Inc.

Revenue for CF Bankshares Inc. came in at $31.7M during Jun 2026, a 7.1% improvement versus the preceding quarter. The company recorded net income of $5.9M, with diluted EPS of $0.93. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, CFBK averaged $0.74 in diluted EPS.

CF Bankshares Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.

CF Bankshares Inc. has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 8.1% below estimates on average.

Wall Street analysts project CF Bankshares Inc. revenue of about $65.5M for fiscal 2026, with EPS near $3.57.

Over the past six months, CF Bankshares Inc. insiders filed 10 SEC Form 4 transactions — 10 sales and 0 purchases. On net that is roughly 13K shares disposed (about $299K), a signal worth weighing alongside the fundamentals.

CFBK Financials

CFBK Latest News

CFBK Analyst Consensus

CFBK MoonshotScore

CFBK Financial Services Stock FAQ

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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