CF Bankshares Inc. (CFBK) AI Stock Analysis

CF Bankshares Inc. operates as the holding company for CFBank, National Association, delivering financial solutions across the United States. Founded in 1892 and based in Worthington, Ohio, the bank offers deposit accounts including savings, checking, money market accounts, and certificates of deposit for both consumer and commercial clients. Its lending portfolio includes single-family mortgage loans, commercial real estate financing, multi-family residential mortgages, commercial loans, and consumer lines of credit. CF Bankshares also provides Internet and mobile banking, remote deposit capture, and treasury management depository services. It operates branch locations across Franklin, Cuyahoga, Hamilton, and Summit counties in Ohio, alongside a loan production office.

Annual revenue rose from $63.6M in FY2021 to $125.9M in FY2025, representing a 5-year revenue CAGR of 4.3% from FY2020 to FY2025. Net income stood at $18.5M in FY2021 and $17.0M in FY2025, generating diluted EPS of $2.69. Annual operating margin was 17.1% in FY2025, compared to 35.9% in FY2021. Across the trailing twelve months, revenue totaled $54.8M, operating margin reached 49.4%, and EPS was $2.91. For the latest quarter ending June 30, 2026, quarterly revenue grew 10.2% year-over-year, while quarterly earnings expanded by 16.9%.

As of June 30, 2026, CF Bankshares held $270.3M in cash and short-term investments against total debt of $120.2M, resulting in net cash of $150.1M. Shareholders' equity was $194.3M against total assets of $2.17B, with a debt-to-equity ratio of 0.62 and a current ratio of 15.36. In FY2025, operating cash flow was $18.7M and free cash flow was $18.2M. Capital allocation in FY2025 included $487,000 in capital expenditures, $1.3M in share buybacks, and $1.9M in dividends paid, contributing to a 5-year share count change of -3.4%.

At a share price of $33.50, CF Bankshares has a market capitalization of $217.5M and an enterprise value of $84.5M. The stock trades at a trailing P/E of 11.5x and a forward P/E of 7.9x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales of 4.0x compares to the peer median of 3.2x, while price-to-book stands at 1.1x. Over the past year, CFBK returned 48.4%, outpacing the S&P 500 (SPY) return of 16.8%. Over five years, the stock gained 81.3% compared to 83.0% for SPY.

CF Bankshares pays an annualized forward dividend of $0.36 per share, representing a 1.08% dividend yield. The payout ratio is 12.4%, supported by 7 consecutive years of payments and an annualized 5-year dividend growth rate of 58.5%. Dividends are distributed quarterly, with the most recent ex-dividend date occurring on October 9, 2026.

Wall Street coverage includes 1 Buy rating and no Hold or Sell recommendations. The mean price target is $40.00, representing an implied upside of 19.4% from the last close of $33.50. For the fiscal year ending December 31, 2026, the consensus EPS estimate is $3.56 on revenue of $65.5M, reflecting 32.3% projected EPS growth. For FY2027, the analyst forecasts EPS of $4.20 on revenue of $73.4M. The company beat EPS estimates in 2 of the last 4 quarters, with the next earnings release scheduled for November 2, 2026.

This page is an AI-written research summary of CF Bankshares Inc. (CFBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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