CF Bankshares Inc. (CFBK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, 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 $31.78 with AI Score 77/100 (Grade A). CF Bankshares Inc. operates as the bank holding company for CFBank, National Association, offering a range of banking products and services in the United States. Market cap: $204.47M, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for CFBK: CFBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CFBK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
CFBK: 5/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →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?
CF Bankshares Inc. presents a compelling investment case based on its established presence in the Ohio banking market and its diversified portfolio of banking products and services. With a P/E ratio of 11.0 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 $204.47M indicates a mid-sized regional bank.
- P/E ratio of 11.0 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.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
| DNBBF DNB Bank ASA | $31.54 | +0.27% | $45.21B | 66 |
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 -0.65 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 Opportunities Does CFBK Have?
- Expansion into new markets through acquisitions.
- Increased adoption of digital banking services.
- Growth in commercial lending activities.
- Development of new financial products and services.
What Threats Does CFBK Face?
- Increased competition from larger regional and national banks.
- Rising interest rates and economic downturn.
- Evolving regulatory requirements.
- Cybersecurity threats and data breaches.
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, US. The company is led by CEO Timothy T. O'Dell. CFBK has traded publicly since 1998.
ROE 10%Key Financial Metrics
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 11.00, below the Financial Services sector average of ~18x. 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 $204.47M market cap, CF Bankshares Inc. sits in the micro-cap segment of the market. Relative to its peer group, CFBK's quantitative score of 77/100 is roughly in line with the peer average of 68/100.
Quarterly Financial Performance: CF Bankshares Inc.
Revenue for CF Bankshares Inc. came in at $29.6M during Q1 2026, a 5.9% contraction versus the preceding quarter. The company recorded net income of $5.0M, with diluted EPS of $0.77. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Financial Services stock should monitor closely. Across the four most recent quarters, CFBK averaged $0.69 in diluted EPS.
F-Score 7/9Financial Health
CF Bankshares Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.65 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project CF Bankshares Inc. revenue of about $65.2M for fiscal 2026, with EPS near $3.62.
Net buyingInsider Activity
Over the past six months, CF Bankshares Inc. insiders filed 23 SEC Form 4 transactions — 12 sales and 11 purchases. On net that is roughly 69K shares acquired (about $336K) — insiders putting money in tends to read as conviction.
CFBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- CFBK insiders seem to be aligned with shareholders, recent activity suggests confidence in the company's direction.
- The community sentiment leans toward optimism, possibly fueled by recent strategic partnerships or market expansions.
- Market perception views CFBK as a stable regional player, potentially benefiting from the current economic climate.
- There's a growing belief that CFBK's focus on community banking is a strong differentiator in a crowded market.
Bear Case
- Some community members express concerns about CFBK's ability to scale effectively in a rapidly changing financial landscape.
- Recent market developments may pose challenges to CFBK's traditional business model, requiring significant adaptation.
- There's a perception that CFBK's growth is limited by its regional focus, hindering its ability to compete with larger national banks.
- Certain voices in the community are wary of potential regulatory changes impacting smaller banks like CFBK.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $30M | $5M | $0.77 |
| Q4 2025 | $31M | $6M | $0.88 |
| Q3 2025 | $32M | $2M | $0.36 |
| Q2 2025 | $32M | $5M | $0.77 |
Based on FMP financials and quantitative analysis
CFBK Latest News
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CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES THE HIRING OF GREGORY PERELKA.
PR Newswire · May 19, 2026
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CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES THE HIRING OF GREGORY PERELKA.
prnewswire.com · May 19, 2026
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Piper Sandler Notes Interest Reversals Hurt CF Bankshares (CFBK) Earnings
Insider Monkey · May 14, 2026
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Piper Sandler Notes Interest Reversals Hurt CF Bankshares (CFBK) Earnings
Yahoo! Finance: CFBK News · May 14, 2026
CFBK 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.
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.
Latest News
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES THE HIRING OF GREGORY PERELKA.
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES THE HIRING OF GREGORY PERELKA.
Piper Sandler Notes Interest Reversals Hurt CF Bankshares (CFBK) Earnings
Piper Sandler Notes Interest Reversals Hurt CF Bankshares (CFBK) Earnings
Leadership: Timothy T. O'Dell
CEO
Timothy T. O'Dell serves as the CEO of CF Bankshares Inc. His background includes extensive experience in the banking and financial services industry. He has held various leadership positions at regional and national banks, focusing on commercial lending, risk management, and strategic planning. O'Dell's expertise lies in driving growth, improving operational efficiency, and building strong customer relationships. He is a graduate of a reputable business school and holds relevant industry certifications.
Track Record: Under Timothy T. O'Dell's leadership, CF Bankshares Inc. has focused on expanding its commercial lending portfolio and enhancing its digital banking capabilities. He has overseen the implementation of new technologies to improve customer service and streamline operations. O'Dell has also played a key role in managing the company's response to the evolving regulatory landscape. He manages 102 employees.
CFBK Financial Services Stock FAQ
What does CF Bankshares Inc. do?
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association. It provides a range of banking products and services, including deposit accounts, loans, and digital banking solutions. The company focuses on serving individuals and businesses in Ohio through its branch network and online platforms. CFBank's primary activities include accepting deposits, originating loans, and providing treasury management services.
What do analysts say about CFBK stock?
Analyst coverage of CFBK stock is limited, but available reports suggest a generally positive outlook based on the company's solid financial performance and growth potential. Key valuation metrics, such as the P/E ratio, are considered attractive compared to peers. Growth considerations include the company's ability to expand its commercial lending activities and capitalize on the increasing demand for digital banking services. Investors should conduct their own due diligence and consider their individual risk tolerance before making any investment decisions.
What are the main risks for CFBK?
CFBK faces several risks, including increased competition from larger regional and national banks, potential economic downturns that could lead to loan defaults, and evolving regulatory requirements that could increase compliance costs. Cybersecurity threats and data breaches also pose a significant risk to the company's reputation and financial stability. Additionally, changes in interest rates could impact the company's net interest margin and profitability. Effective risk management and compliance are crucial for CFBK's long-term success.
What is CF Bankshares Inc.'s credit quality and risk management approach?
CF Bankshares Inc.'s credit quality is a critical aspect of its financial health. The company's risk management approach focuses on maintaining a well-diversified loan portfolio and adhering to prudent underwriting standards. Provision levels are set to adequately cover potential loan losses. Regular stress tests are conducted to assess the portfolio's resilience to adverse economic conditions. Monitoring key credit quality indicators, such as non-performing loans and charge-offs, is essential for maintaining a sound risk profile.
What regulatory challenges does CF Bankshares Inc. face?
CF Bankshares Inc. operates in a highly regulated environment. The company must comply with various federal and state banking regulations, including capital requirements, lending restrictions, and consumer protection laws. Compliance costs can be significant, requiring ongoing investments in technology and personnel. Changes in regulations, such as those related to capital adequacy or cybersecurity, can pose challenges and require adjustments to the company's operations. Effective regulatory compliance is essential for maintaining the company's license to operate and avoiding penalties.
What are the key factors to evaluate for CFBK?
CF Bankshares Inc. (CFBK) holds an AI score of 77/100 (high). P/E: 11.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CFBK data refresh on this page?
CFBK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CFBK's recent stock price performance?
CF Bankshares Inc. (CFBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Ohio. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- Information is based on available data and may be subject to change.
- Analyst opinions may vary.