CF Bankshares Inc. (CFBK)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CF Bankshares Inc. (CFBK) trades at $27.65 with AI Score 55/100 (Hold). CF Bankshares Inc. is a bank holding company operating through CFBank, National Association, offering diverse banking products and services in the United States. Market cap: 178M, Sector: Financial services.
Last analyzed: Feb 8, 2026CF Bankshares Inc. (CFBK) Financial Services Profile
CF Bankshares (CFBK) offers a notable research candidate within the regional banking sector, driven by a strong focus on commercial and real estate lending, strategic branch locations in Ohio, and a commitment to delivering personalized banking solutions, reflected in its 12.9% profit margin.
Investment Thesis
CF Bankshares presents a notable research candidate within the regional banking sector. With a P/E ratio of 13.05 and a dividend yield of 0.96%, CFBK offers a blend of value and income. The company's 12.9% profit margin indicates efficient operations. Growth catalysts include expansion of its commercial and real estate loan portfolio and increased adoption of its digital banking services. CFBK's strategic focus on the Ohio market and its commitment to personalized banking solutions differentiate it from larger competitors. The company's beta of 0.40 suggests lower volatility compared to the broader market, making it a noteworthy option for risk-averse investors. Continued execution on its growth strategies and efficient capital management should drive shareholder value.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.21 billion indicates a solid position within the regional banking sector.
- Profit margin of 12.9% demonstrates efficient operations and profitability.
- Gross margin of 39.7% reflects effective cost management and revenue generation.
- Dividend yield of 0.96% provides a steady income stream for investors.
- Beta of 0.40 suggests lower volatility compared to the broader market.
Competitors & Peers
Strengths
- Strong presence in the Ohio market.
- Diverse loan portfolio.
- Experienced management team.
- Commitment to personalized service.
Weaknesses
- Limited geographic reach.
- Smaller size compared to national banks.
- Dependence on the Ohio economy.
- Lower brand recognition compared to larger competitors.
Catalysts
- Ongoing: Expansion of commercial lending portfolio.
- Ongoing: Increased adoption of digital banking services.
- Upcoming: Potential acquisitions of smaller banks (2027-2028).
- Ongoing: Growth in treasury management services.
Risks
- Potential: Economic downturn in Ohio impacting loan quality.
- Potential: Rising interest rates reducing demand for loans.
- Ongoing: Increased competition from larger banks.
- Potential: Changes in banking regulations increasing compliance costs.
Growth Opportunities
- Expansion of Commercial Lending Portfolio: CFBank has a significant opportunity to expand its commercial lending portfolio by targeting small and medium-sized businesses in Ohio. The market for commercial loans in Ohio is estimated at several billion dollars, offering ample room for growth. By offering tailored loan products and personalized service, CFBank can attract new clients and increase its market share. Timeline: Ongoing.
- Increased Adoption of Digital Banking Services: CFBank can drive growth by promoting its internet and mobile banking services. As more customers embrace digital banking, CFBank can reduce its operating costs and improve customer satisfaction. By investing in user-friendly digital platforms and offering innovative features, CFBank can attract tech-savvy customers and enhance its competitive advantage. Timeline: Ongoing.
- Strategic Branch Expansion: CFBank can selectively expand its branch network in underserved markets in Ohio. By opening new branches in strategic locations, CFBank can increase its deposit base and expand its lending operations. Careful market research and site selection are crucial for successful branch expansion. Timeline: 2026-2028.
- Focus on Treasury Management Services: CFBank can grow its revenue by offering comprehensive treasury management services to its commercial clients. These services include cash management, payment processing, and fraud prevention. By providing value-added treasury management solutions, CFBank can strengthen its relationships with its commercial clients and generate recurring revenue. Timeline: Ongoing.
- Acquisition Opportunities: CFBank can explore strategic acquisition opportunities to expand its market presence and diversify its product offerings. By acquiring smaller banks or financial service providers, CFBank can gain access to new markets, customers, and technologies. Careful due diligence and integration planning are essential for successful acquisitions. Timeline: 2027-2028.
Opportunities
- Expansion into new markets in Ohio.
- Increased adoption of digital banking services.
- Strategic acquisitions of smaller banks.
- Growth in commercial lending.
Threats
- Increased competition from national and regional banks.
- Economic downturn in Ohio.
- Rising interest rates.
- Changes in banking regulations.
Competitive Advantages
- Established presence in the Ohio market.
- Strong relationships with local businesses and communities.
- Personalized service and local decision-making.
- Conservative underwriting practices.
About CFBK
Founded in 1892 and headquartered in Worthington, Ohio, CF Bankshares Inc. has evolved from its origins as Central Federal Corporation to a modern bank holding company. The company rebranded as CF Bankshares Inc. in July 2020, reflecting its commitment to growth and innovation. Through its subsidiary, CFBank, National Association, the company provides a comprehensive suite of banking products and services tailored to individuals and businesses. These offerings include a variety of deposit accounts such as savings, retail and business checking, and money market accounts, alongside certificates of deposit. CFBank's lending portfolio is diverse, encompassing single-family mortgage loans, commercial real estate and multi-family residential mortgage loans, commercial loans, construction and land loans, and consumer loans like home equity lines of credit and home improvement loans. CFBank also provides convenient 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 strategically located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, along with a loan production office in Franklin County, Ohio. CFBank's focus on personalized service and community banking positions it as a trusted financial partner in the Ohio market.
What They Do
- Provides retail and business checking accounts.
- Offers savings and money market accounts.
- Issues certificates of deposit.
- Originates single-family mortgage loans.
- Provides commercial real estate and multi-family residential mortgage loans.
- Offers commercial, construction, and land loans.
- Provides consumer loans, including home equity lines of credit.
- Offers internet and mobile banking services.
Business Model
- Generates revenue through interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through careful underwriting and diversification of its loan portfolio.
- Focuses on building long-term relationships with its customers.
Industry Context
CF Bankshares operates in the competitive regional banking industry. The industry is characterized by increasing consolidation, technological advancements, and evolving customer preferences. CFBK competes with national and regional banks, credit unions, and non-bank financial service providers. The company's focus on commercial and real estate lending, coupled with its strategic branch locations in Ohio, positions it to capitalize on growth opportunities in the region. The regional banking sector is expected to grow at a moderate pace, driven by economic expansion and increasing demand for financial services from small and medium-sized businesses.
Key Customers
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking financing for construction projects.
- Consumers looking for mortgage loans and home equity lines of credit.
Financials
Chart & Info
CF Bankshares Inc. (CFBK) stock price: $27.65 (-0.36, -1.29%)
Latest News
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Recent Run Removed Some Of The Opportunity For Investing In CF Bankshares
seekingalpha.com · Feb 20, 2026
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3 Undervalued Small Caps With Insider Buying Opportunities
Simply Wall St. · Feb 9, 2026
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Horizon Bancorp (IN) (NASDAQ:HBNC) and CF Bankshares (NASDAQ:CFBK) Head to Head Survey
defenseworld.net · Feb 7, 2026
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Shares of banking and financial services companies are trading higher alongside the overall market strength.
Benzinga · Feb 6, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFBK.
Price Targets
Wall Street price target analysis for CFBK.
MoonshotScore
What does this score mean?
The MoonshotScore rates CFBK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Latest News
Recent Run Removed Some Of The Opportunity For Investing In CF Bankshares
3 Undervalued Small Caps With Insider Buying Opportunities
Horizon Bancorp (IN) (NASDAQ:HBNC) and CF Bankshares (NASDAQ:CFBK) Head to Head Survey
Shares of banking and financial services companies are trading higher alongside the overall market strength.
CFBK Financial Services Stock FAQ
What does CF Bankshares Inc. do?
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association, providing a range of banking products and services to individuals and businesses in the United States. The company focuses on offering deposit accounts, including checking, savings, and money market accounts, as well as a variety of loan products such as commercial real estate, commercial, and residential mortgages. CFBank also provides digital banking solutions, including online and mobile banking, to enhance customer convenience and accessibility. The company's strategic focus is on serving the Ohio market with personalized financial solutions.
Is CFBK stock worth researching?
CFBK stock presents a potentially attractive investment opportunity, supported by a P/E ratio of 13.05 and a dividend yield of 0.96%. The company's 12.9% profit margin suggests efficient operations. Key growth drivers include expansion of its commercial lending portfolio and increased adoption of digital banking services. However, investors may want to evaluate the risks associated with the regional banking sector, including economic sensitivity and regulatory changes. A balanced assessment of CFBK's valuation, growth potential, and risk factors is essential before making an investment decision.
What are the main risks for CFBK?
CFBK faces several risks, including the potential for an economic downturn in Ohio, which could negatively impact loan quality and demand for banking services. Rising interest rates could also reduce demand for loans and increase funding costs. The company also faces increasing competition from larger national and regional banks. Changes in banking regulations could increase compliance costs and limit CFBK's ability to generate revenue. Effective risk management and proactive adaptation to changing market conditions are crucial for CFBK to mitigate these risks.
What are the key factors to evaluate for CFBK?
CF Bankshares Inc. (CFBK) currently holds an AI score of 55/100, indicating moderate score. The stock trades at a P/E of 10.1x, below the S&P 500 average (~20-25x), potentially signaling value. Key strength: Strong presence in the Ohio market.. Primary risk to monitor: Potential: Economic downturn in Ohio impacting loan quality.. This is not financial advice.
How frequently does CFBK data refresh on this page?
CFBK prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CFBK's recent stock price performance?
Recent price movement in CF Bankshares Inc. (CFBK) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong presence in the Ohio market.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CFBK overvalued or undervalued right now?
Determining whether CF Bankshares Inc. (CFBK) is overvalued or undervalued requires examining multiple metrics. Its P/E ratio is 10.1. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CFBK?
Before investing in CF Bankshares Inc. (CFBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data based on available information as of December 31, 2021. Future performance may vary.