$28.00
▼ $-0.02
(-0.07%)
Vol 40K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$160.8M
P/E
9.9
ROE
9.3%
Margin
33.0%
D/E
32.34
Beta
0.44
Div Yield
1.28%
52W
$19–$27
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.78 | $0.88 | +$0.10 |
| Sep 2025 | $0.86 | $0.36 | $-0.50 |
| Jun 2025 | $0.73 | $0.77 | +$0.04 |
| Jun 2023 | $0.62 | $0.66 | +$0.04 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $13.5M | $13.8M | $15.4M | $15.3M | $15.6M |
| Net Income | $4.4M | $4.4M | $5.0M | $2.3M | $5.7M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 10.6% | 10.6% | 10.6% | 10.6% | 9.3% | 9.3% |
| P/E (TTM) | 8.59 | 8.71 | 8.53 | 8.92 | 9.43 | 9.91 |
| Net Margin | — | 33.0% | 33.0% | 33.0% | 33.0% | 33.0% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 32.74 | 32.74 | 32.74 | 32.74 | 32.34 | 32.34 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
2.05
P/B
1.0
EPS (TTM)
$2.57
CF/Share
$2.76
Rev Growth 3Y
+24.5%
52W High
$27.46
52W Low
$19.22
$19.22
52-Week Range
$27.46
Financial Health
Free Cash Flow
$3.0M
Net Debt
-$137.2M
Cash
$259.1M
Total Debt
$121.9M
As of Dec 31, 2025
How does CFBK compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CFBK valuation vs Banking peers
P/E ratio
9.9
▼
21%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.1
▼
12%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.0
▼
8%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
1.3%
▼
57%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
CFBK profitability vs Banking peers
ROE
9.3%
▲
3%
above
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
33.0%
▲
15%
above
peers
(28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼
19%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
CFBK financial health vs Banking peers
D/E ratio
32.3
▲
134%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.4
▼
36%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
CFBK fundamentals radar
CFBK
Peer median
Industry
CFBK profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CFBK vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
FRAUENBERG JAMES H II
Director · Feb 23
3500 shs
O DELL TIMOTHY T
Chief Executive Officer · Feb 23
18000 shs
O DELL TIMOTHY T
Chief Executive Officer · Feb 23
12750 shs
COCHRAN EDWARD W
Director · Feb 23
3500 shs
RINGWALD BRADLEY J
Officer · Feb 23
10500 shs
ROYER DAVID L.
Director · Feb 23
4500 shs
BEERMAN KEVIN J
Chief Financial Officer · Feb 23
8500 shs
MCKINNEY MARIANNE
Chief Operating Officer · Feb 23
5500 shs
MEDER TIMOTHY
Officer · Feb 23
4500 shs
HOEWELER ROBERT E
Director · Feb 23
5500 shs
Last 90 days
Top Holders
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9.86%
$17.5M
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7.92%
$14.1M
Blackrock Inc.
5.37%
$9.5M
Vanguard Group Inc
3.92%
$7.0M
First Manhattan Co. LLC
2.91%
$5.2M
As of Dec 31, 2025
Dividends
$0.32
/ year
Jan 15, 2026
$0.0900
Oct 10, 2025
$0.0800
Jul 11, 2025
$0.0800
Apr 14, 2025
$0.0700
Jan 16, 2025
$0.0700
Oct 11, 2024
$0.0700
Jul 11, 2024
$0.0600
Apr 17, 2024
$0.0600
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