CF Bankshares Inc.

CFBK | NASDAQ

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$34.46

-$0.04 (-0.12%)

At close: Sep 21, 2026, 4:00 PM ET

$34.46

$0 (0.00%)

After-hours: Sep 21, 2026, 4:15 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $221.97M

Enterprise Value $88.82M

Beta 0.38

Average Volume 60.56K

Shares Outstanding (Diluted) 6.36M

Shares Change YoY 0.29%

Institutional Ownership 56.90%

Exchange NASDAQ

ISIN US12520L1098

Price Performance

Price Change 1M -0.3%

Price Change 3M 12.3%

Price Change 6M 21.9%

Price Change YTD 40.5%

Price Change 1Y 41.1%

Price Change 3Y 103.2%

Price Change 5Y 75.4%

1M CAGR (ann.) -4.7%

1Y CAGR (ann.) 43.8%

5Y CAGR (ann.) 13.2%

All-Time CAGR -7.9%

Valuation

PE Ratio 11.84

Forward PE 8.35

PEG Ratio 2.54

Forward PEG 0.67

PS Ratio 1.78

Forward PS 3.00

PB Ratio 0.52

P/FCF Ratio 10.73

P/Adj. FCF Ratio 11.54

P/OCF Ratio 11.88

EV/Sales 0.71

EV/EBIT 3.91

EV/EBITDA 3.85

EV/FCF 4.30

Earnings Yield 8.4%

FCF Yield 9.3%

Adj. FCF Yield 8.7%

Financial Health

Net Cash $138.81M

Total Debt $120.21M

Cash & Short-Term Investments $253.1M

Total Assets $2.03B

Current Ratio 15.36

Quick Ratio 15.36

Debt / Equity Ratio 0.62

Debt / EBITDA 5.21

Debt / FCF 5.82

OCF / Debt 0.18

Interest Coverage 0.36

Altman Z-Score 0.32

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 43.8%

Operating Profit Margin 18.2%

EBITDA Margin 18.5%

Net Profit Margin 15.1%

FCF Margin 16.6%

Adj. FCF Margin 15.4%

SBC / Revenue 1.2%

SBC Impact (per share) -7.0%

Returns

Return on Assets 0.9%

Return on Equity 10.1%

Return on Invested Capital 0.9%

Return on Capital Employed 1.1%

Return on Tangible Assets 0.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.5%

Revenue CAGR 5Y 5.9%

Revenue CAGR 10Y 24.3%

EPS CAGR 3Y 2.4%

EPS CAGR 5Y -6.8%

EPS CAGR 10Y 11.3%

FCF CAGR 3Y -4.7%

FCF CAGR 5Y -82.2%

FCF CAGR 10Y 20.2%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $44.87

Graham Upside 30.2%

Lynch Fair Value $14.55

Lynch Upside -57.8%

Price Target $40

Price Target Upside 16.1%

Cash Flow

Operating Cash Flow $21.21M

Free Cash Flow $20.67M

Adj. Free Cash Flow $19.21M

FCF Per Share $2.85

OCF Per Share $2.90

OCF/S Ratio 14.7%

Income Statement

Revenue $124.71M

Gross Profit $54.62M

Operating Income $22.7M

EBITDA $23.07M

Net Income $18.84M

EPS (Diluted) $2.91

Revenue / Employee $1.27M

Profit / Employee $192.19K

Employees 98

Dividends

Annual Dividend $0.35

Dividend Yield 1.02%

Payout Ratio 12.0%

FCF Payout Ratio 10.1%

Adj. FCF Payout Ratio 10.8%

Dividend Growth (YoY) 20.7%

Pay Frequency Quarterly

Ex-Dividend Date Jul 12, 2026