CFBK CF Bankshares Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$34.42
· of 52w range
· above low
· to high
$22.1052w low
$38.1152w high
P/E
9.3
EPS
$2.69
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52W Range
$22–$38
Analyst Rating
BUY
Price Target
$40
P/E
9.3
ROE
9.7%
Net Profit Margin
28.8%
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CFBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$34.42
P/E
9.3
EPS
$2.69
ROE
9.7%
52W Range
$22–$38
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Aug. 21, 2018 | 1-for-6 | Reverse |
| May 4, 2012 | 1-for-5 | Reverse |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.692016-12-31 → 2025-12-31
Free Cash Flow$18M2016-12-31 → 2025-12-31
Net margin28.8%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CFBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 9.35Y avg ≈8.8 | ≈8.8 | 10.9 | Overvalued |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CFBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 35.3%5Y avg ≈38.6% | ≈38.6% | 42.4% | In line | |
| Net Profit Margin | 28.8%5Y avg ≈31.3% | ≈31.3% | 33.6% | In line | |
| ROA | 0.84%5Y avg ≈0.94% | ≈0.94% | 0.86% | In line | |
| ROE | 9.7%5Y avg ≈11.4% | ≈11.4% | 8.9% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CFBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 17.6%5Y avg ≈-4.9% | ≈-4.9% | · | · | |
| Revenue CAGR 3Y | 5.4%5Y avg ≈-4.0% | ≈-4.0% | · | · | |
| Revenue CAGR 5Y | -7.0% | · | · | · | |
| EPS YoY | 30.6%5Y avg ≈-6.8% | ≈-6.8% | · | · | |
| Net Income YoY | 31.0%5Y avg ≈-7.2% | ≈-7.2% | · | · | |
| EPS CAGR 3Y | -1.1%5Y avg ≈-8.9% | ≈-8.9% | · | · | |
| EPS CAGR 5Y | -9.7% | · | · | · | |
| Net Income CAGR 3Y | -1.2%5Y avg ≈-9.4% | ≈-9.4% | · | · | |
| Net Income CAGR 5Y | -9.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CFBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio11.1%
Annualized Payout≈$0.36
Growth Streak≈4
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 13, 2026 | $0.09 | USD | ≈1.1% |
| Apr 13, 2026 | $0.09 | USD | ≈1.2% |
| Jan 15, 2026 | $0.09 | USD | ≈1.2% |
| Oct 10, 2025 | $0.08 | USD | ≈1.3% |
| Jul 11, 2025 | $0.08 | USD | ≈1.2% |
| Apr 14, 2025 | $0.07 | USD | ≈1.3% |
| Jan 16, 2025 | $0.07 | USD | ≈1.2% |
| Oct 11, 2024 | $0.07 | USD | ≈1.1% |
| Jul 11, 2024 | $0.06 | USD | ≈1.3% |
| Apr 17, 2024 | $0.06 | USD | ≈1.3% |
| Jan 12, 2024 | $0.06 | USD | ≈1.2% |
| Oct 13, 2023 | $0.06 | USD | ≈1.5% |
| Jul 20, 2023 | $0.06 | USD | ≈1.3% |
| Apr 14, 2023 | $0.06 | USD | ≈1.1% |
| Jan 13, 2023 | $0.05 | USD | ≈0.89% |
| Oct 13, 2022 | $0.05 | USD | ≈0.87% |
| Jul 14, 2022 | $0.05 | USD | ≈0.83% |
| Apr 13, 2022 | $0.04 | USD | ≈0.71% |
| Jan 20, 2022 | $0.04 | USD | ≈0.70% |
| Oct 21, 2021 | $0.04 | USD | ≈0.65% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-6.9%
Next Report
Nov 02, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 3, 2026 | $0.90 | $0.91 | -0.86% |
| March 31, 2026 | May 13, 2026 | $0.77 | $0.83 | -7.2% |
| Dec. 31, 2025 | $0.88 | $0.78 | 13.5% | |
| Sept. 30, 2025 | $0.36 | $0.86 | -58.0% | |
| June 30, 2025 | $0.77 | $0.73 | 4.8% | |
| June 30, 2023 | $0.66 | $0.62 | 6.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $61M | $19M | $10M | $15M | $13M | $7M | $4M | $3M | $3M | |
| Interest Income | $120M | $118M | $108M | $68M | $52M | $42M | $35M | $25M | $17M | $14M | $12M | |
| Pretax Income | $22M | $16M | $21M | $23M | $23M | $36M | $12M | $5M | $3M | $2M | $1M | |
| Income Tax | $4M | $3M | $4M | $4M | $4M | $7M | $2M | $1M | $2M | $810.0K | $-3M | |
| Net Income | $18M | $13M | $17M | $18M | $18M | $30M | $10M | $4M | $1M | $2M | $4M | |
| EPS (Basic) | $2.70 | $2.08 | $2.64 | $2.84 | $2.84 | $4.53 | $2.05 | $1.02 | $0.21 | $0.05 | $0.23 | |
| EPS (Diluted) | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 | $4.47 | $2.03 | $1.00 | $0.19 | $0.05 | $0.20 | |
| Shares (Basic) | 6,290,072 | 6,274,571 | 6,421,088 | 6,397,053 | 6,508,156 | 6,029,097 | 4,581,465 | 4,260,617 | · | · | · | |
| Shares (Diluted) | 6,331,799 | 6,308,992 | 6,447,447 | 6,535,160 | 6,650,447 | 6,106,987 | 4,628,564 | 4,343,730 | 3,506,609 | 16,059,031 | 22,722,743 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $259M | $235M | $262M | $152M | $167M | $222M | $46M | $67M | $45M | $58M | $26M | |
| PP&E (Net) | $4M | $4M | $4M | $4M | $6M | $4M | $4M | $4M | $4M | $3M | $4M | |
| PP&E (Gross) | $6M | $5M | $6M | $6M | $9M | $8M | $8M | $8M | $8M | $7M | $8M | |
| Accum. Depreciation | $2M | $2M | $2M | $2M | $3M | $5M | $4M | $4M | $4M | $4M | $4M | |
| Total Assets | $2.12B | $2.07B | $2.06B | $1.82B | $1.50B | $1.48B | $881M | $665M | $481M | $436M | $351M | |
| Total Liabilities | $1.93B | $1.90B | $1.90B | $1.68B | $1.37B | $1.37B | $800M | $619M | $441M | $397M | $313M | |
| Long-term Debt | · | · | · | $29M | $24M | $80M | $13M | $6M | $14M | · | · | |
| Common Stock | $68.0K | $55.0K | $57.0K | $56.0K | $55.0K | $54.0K | $54.0K | $44.0K | $43.0K | $164.0K | $161.0K | |
| Paid-in Capital | $94M | $92M | $91M | $90M | $89M | $88M | $87M | $62M | $61M | $60M | $60M | |
| Retained Earnings | $104M | $88M | $77M | $61M | $44M | $26M | $-3M | $-13M | $-17M | $-18M | $-19M | |
| Treasury Stock | $12M | $10M | $10M | $10M | $7M | $4M | $3M | $3M | $3M | $3M | $3M | |
| AOCI | $-1M | $-2M | $-2M | $-2M | $-170.0K | $96.0K | $28.0K | $-73.0K | $-47.0K | $2.0K | $-9.0K | |
| Stockholders' Equity | $184M | $168M | $155M | $139M | $125M | $110M | $81M | $46M | $40M | $39M | $38M | |
| Liabilities + Equity | $2.12B | $2.07B | $2.06B | $1.82B | $1.50B | $1.48B | $881M | $665M | $481M | $436M | $351M |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $1M | $1M | $899.0K | $707.0K | $711.0K | $527.0K | $376.0K | $246.0K | $122.0K | $134.0K | |
| Deferred Tax | $-186.0K | $-365.0K | $456.0K | $215.0K | $773.0K | $-3M | $-187.0K | $85.0K | $3.0K | $623.0K | $-3M | |
| Amort. of Intangibles | · | $56.0K | $60.0K | $570.0K | $17.0K | · | · | · | · | · | · | |
| Operating Cash Flow | $19M | $14M | $18M | $40M | $253M | $-123M | $-104M | $-12M | $4M | $2M | $5M | |
| CapEx | $487.0K | $266.0K | $661.0K | $905.0K | $3M | $385.0K | $443.0K | $612.0K | $312.0K | $47.0K | $45.0K | |
| Investing Cash Flow | $-25M | $-33M | $-122M | $-353M | $-317M | $-260M | $-111M | $-144M | $-59M | · | · | |
| Dividends Paid | $2M | $2M | $1M | $1M | $848.0K | $195.0K | · | · | · | · | · | |
| Financing Cash Flow | $30M | $-8M | $214M | $299M | $8M | $559M | $194M | $177M | $43M | · | · | |
| Net Change in Cash | · | · | · | · | · | · | · | $22M | $-12M | $32M | $-2M | |
| Taxes Paid | $3M | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $18M | $14M | $17M | $39M | $250M | $-124M | $-104M | $-12M | $4M | $2M | $5M | |
| Levered FCF | · | · | $-32M | $24M | $242M | $-136M | $-115M | $-18M | $2M | $-322.0K | $-4M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.8% | 25.8% | 32.8% | 34.9% | 34.4% | 33.7% | 28.7% | 20.7% | 9.3% | 13.0% | 40.2% | |
| Pretax Margin | 35.3% | 31.1% | 40.6% | 43.5% | 42.5% | 41.3% | 36.0% | 25.9% | 24.0% | 19.5% | 11.5% | |
| ROA | 0.84% | 0.65% | 0.87% | 1.1% | 1.2% | 2.5% | 1.2% | 0.75% | 0.29% | 0.41% | 1.3% | |
| ROE | 9.7% | 8.1% | 11.1% | 13.2% | 14.8% | 27.8% | 14.3% | 9.6% | 3.3% | 4.2% | 12.2% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $9.63 | $8.21 | $8.01 | $7.96 | $8.07 | $14.38 | $7.22 | $4.74 | $0.75 | $0.78 | $0.49 | |
| Cash Flow / Share | $2.95 | $2.25 | $2.80 | $6.08 | $38.09 | $-20.22 | $-22.37 | $-2.72 | $0.20 | $0.11 | $0.22 | |
| Dividend / Share | $0.30 | $0.25 | $0.23 | $0.18 | $0.13 | $0.03 | · | · | · | · | · | |
| EPS (TTM) | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 | $4.47 | $2.03 | $1.00 | $0.19 | $0.05 | $0.20 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 17.6% | 0.29% | -0.63% | -3.1% | -38.9% | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.4% | -1.2% | -16.2% | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -7.0% | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 30.6% | -21.7% | -5.4% | 0.36% | -38.0% | · | · | · | · | · | · | |
| EPS CAGR 3Y | -1.1% | -9.4% | -16.2% | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | -9.7% | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 31.0% | -21.0% | -6.8% | -1.6% | -37.7% | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -1.2% | -10.2% | -17.0% | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -9.9% | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 58.5% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $536.0K | $536.0K | $536.0K | $536.0K | $536.0K | $536.0K | $536.0K | $470.0K | · | · | · | |
| Net Income TTM | $18M | $13M | $17M | $18M | $18M | $30M | $10M | $4M | $1M | $2M | $4M | |
| P/E | 9.3 | 12.4 | 7.4 | 7.6 | 7.4 | 4.0 | 6.9 | 11.7 | 80.0 | 193.4 | 36.5 | |
| Earnings Yield | 10.8% | 8.1% | 13.5% | 13.1% | 13.5% | 25.3% | 14.5% | 8.6% | 1.2% | 0.52% | 2.7% | |
| Payout Ratio | 11.1% | 12.1% | 8.7% | 6.3% | 4.6% | 0.66% | · | · | · | · | · | |
| Annual Payout | $2M | $2M | $1M | $1M | $848.0K | $195.0K | · | · | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $18M | · | $16M | $15M | $11M | · | $5M | |
| Interest Income | $30M | $28M | $30M | $30M | $30M | $29M | $30M | $30M | $29M | $29M | $30M | $28M | $26M | $24M | $22M | $18M | |
| Pretax Income | $7M | $6M | $7M | $3M | $6M | $6M | $5M | $5M | $2M | $4M | $5M | $5M | $5M | $6M | $6M | $5M | |
| Income Tax | $1M | $868.0K | $1M | $373.0K | $1M | $1M | $748.0K | $1M | $237.0K | $695.0K | $932.0K | $984.0K | $1M | $1M | $1M | $1M | |
| Net Income | $6M | $5M | $6M | $2M | $5M | $4M | $4M | $4M | $2M | $3M | $4M | $4M | $4M | $4M | $5M | $4M | |
| EPS (Basic) | $0.91 | $0.77 | $0.89 | $0.36 | $0.77 | $0.68 | $0.69 | $0.65 | $0.26 | $0.48 | $0.66 | $0.63 | $0.66 | $0.69 | $0.74 | $0.66 | |
| EPS (Diluted) | $0.90 | $0.77 | $0.88 | $0.36 | $0.77 | $0.68 | $0.68 | $0.65 | $0.26 | $0.47 | $0.67 | $0.62 | $0.66 | $0.68 | $0.72 | $0.65 | |
| Shares (Basic) | 6,320,561 | 6,286,297 | · | 6,292,698 | 6,300,427 | 6,285,649 | · | 6,253,716 | 6,256,457 | 6,329,898 | · | 6,429,198 | 6,418,305 | 6,402,856 | · | 6,393,531 | |
| Shares (Diluted) | 6,363,549 | 6,308,071 | · | 6,346,243 | 6,344,833 | 6,285,649 | · | 6,293,908 | 6,256,457 | 6,357,298 | · | 6,456,575 | 6,433,623 | 6,542,698 | · | 6,547,791 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $253M | $268M | $259M | $272M | $276M | $241M | $235M | $234M | $242M | $237M | · | $230M | $232M | $214M | · | $198M | |
| PP&E (Net) | $3M | $4M | $4M | $4M | $3M | $3M | $4M | $3M | $4M | $4M | · | $4M | $4M | $4M | · | $4M | |
| PP&E (Gross) | · | · | $6M | · | · | · | $5M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $2M | · | · | · | $2M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.17B | $2.15B | $2.12B | $2.11B | $2.13B | $2.09B | $2.07B | $2.07B | $2.04B | $2.04B | · | $1.99B | $1.96B | $1.93B | · | $1.76B | |
| Total Liabilities | $1.98B | $1.96B | $1.93B | $1.93B | $1.96B | $1.92B | $1.90B | $1.90B | $1.88B | $1.88B | · | $1.84B | $1.82B | $1.79B | · | $1.63B | |
| Common Stock | $69.0K | $69.0K | $68.0K | $68.0K | $60.0K | $56.0K | $55.0K | $55.0K | $55.0K | $55.0K | · | $57.0K | $57.0K | $57.0K | · | $56.0K | |
| Paid-in Capital | $94M | $94M | $94M | $93M | $93M | $93M | $92M | $92M | $92M | $91M | · | $91M | $90M | $90M | · | $89M | |
| Retained Earnings | $114M | $108M | $104M | $99M | $97M | $92M | $88M | $84M | $81M | $79M | · | $73M | $69M | $65M | · | $57M | |
| Treasury Stock | $12M | $12M | $12M | $11M | $11M | $10M | $10M | $10M | $10M | $10M | · | $10M | $10M | $10M | · | $10M | |
| AOCI | $-2M | $-1M | $-1M | $-1M | $-2M | $-2M | $-2M | $-2M | $-2M | $-2M | · | $-2M | $-2M | $-2M | · | $-2M | |
| Stockholders' Equity | $194M | $189M | $184M | $179M | $177M | $173M | $168M | $164M | $160M | $158M | $155M | $151M | $147M | $143M | $139M | $135M | |
| Liabilities + Equity | $2.17B | $2.15B | $2.12B | $2.11B | $2.13B | $2.09B | $2.07B | $2.07B | $2.04B | $2.04B | · | $1.99B | $1.96B | $1.93B | · | $1.76B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $483.0K | $366.0K | $320.0K | $370.0K | $401.0K | $303.0K | $313.0K | $326.0K | $283.0K | $233.0K | $296.0K | $294.0K | $299.0K | $283.0K | $251.0K | $246.0K | |
| Deferred Tax | $-266.0K | $-246.0K | $-311.0K | $469.0K | $-247.0K | $-97.0K | $-371.0K | $560.0K | $-277.0K | $-277.0K | $553.0K | $-199.0K | $-39.0K | $141.0K | $158.0K | $-58.0K | |
| Amort. of Intangibles | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | $570.0K | |
| Operating Cash Flow | $5M | $5M | $3M | $5M | $8M | $2M | $13M | $-1M | $4M | $-1M | $8M | $2M | $2M | $6M | $7M | $280.0K | |
| CapEx | $48.0K | $109.0K | $55.0K | $263.0K | $115.0K | $54.0K | $227.0K | $28.0K | $8.0K | $3.0K | $13.0K | $0 | $147.0K | $501.0K | $107.0K | $315.0K | |
| Investing Cash Flow | $-37M | $-23M | $-19M | $22M | $-5M | $-23M | $-6M | $-28M | $3M | $-2M | $-35M | $-28M | $-13M | $-45M | $-98M | $-95M | |
| Dividends Paid | $586.0K | $583.0K | $520.0K | $519.0K | $456.0K | $453.0K | $453.0K | $388.0K | $387.0K | $386.0K | $386.0K | $385.0K | $385.0K | $320.0K | $318.0K | $321.0K | |
| Financing Cash Flow | $18M | $27M | $2M | $-31M | $32M | $26M | $-5M | $21M | $-2M | $-22M | $59M | $24M | $29M | $102M | $45M | $138M | |
| Free Cash Flow | · | $5M | · | · | · | $2M | · | · | · | $-1M | · | · | · | $5M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-16M | · | · | · | $-4M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.7% | 33.9% | · | 15.1% | 32.3% | 31.4% | · | 32.2% | 13.5% | 25.2% | · | 31.1% | 33.9% | 33.1% | · | 30.3% | |
| Pretax Margin | 43.9% | 39.8% | · | 17.5% | 41.1% | 39.5% | · | 40.4% | 15.3% | 30.9% | · | 38.7% | 42.4% | 41.1% | · | 37.6% | |
| ROA | 0.27% | 0.24% | · | 0.11% | 0.24% | 0.21% | · | 0.21% | 0.08% | 0.15% | · | 0.21% | 0.24% | 0.26% | · | 0.27% | |
| ROE | 3.2% | 2.8% | · | 1.4% | 3.0% | 2.7% | · | 2.7% | 1.1% | 2.0% | · | 2.8% | 3.0% | 3.3% | · | 3.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $2.60 | $2.35 | · | $2.44 | $2.46 | $2.25 | · | $2.08 | $2.01 | $1.88 | · | $2.01 | $1.94 | $2.06 | · | $2.14 | |
| Cash Flow / Share | · | $0.75 | · | · | · | $0.35 | · | · | · | $-0.18 | · | · | · | $0.88 | · | · | |
| Dividend / Share | $0.09 | $0.09 | $0.08 | $0.08 | $0.07 | $0.07 | $0.07 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.05 | $0.05 | $0.05 | |
| EPS (TTM) | $2.91 | $2.78 | · | $2.49 | $2.78 | $2.27 | · | $2.05 | $2.02 | $2.42 | · | $2.68 | $2.71 | $2.77 | · | $2.74 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $19M | $18M | · | $16M | $18M | $15M | · | $13M | $13M | $16M | · | $17M | $18M | $18M | · | $18M | |
| P/E | 11.3 | 10.0 | · | 9.6 | 8.6 | 9.7 | · | 10.6 | 9.3 | 8.3 | · | 6.2 | 5.5 | 7.0 | · | 7.5 | |
| Earnings Yield | 8.9% | 10.0% | · | 10.4% | 11.6% | 10.3% | · | 9.5% | 10.8% | 12.1% | · | 16.0% | 18.1% | 14.2% | · | 13.3% | |
| Payout Ratio | · | 11.6% | · | · | · | 10.2% | · | · | · | 12.6% | · | · | · | 7.2% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $1M | $1M | $1M | · | $1M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $18M | $13M | $17M | $18M | $18M |
| Diluted EPS | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $18M | $14M | $17M | $39M | $250M |
Institutional owners (13F) 103 filers · $118.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
103
Value held
$118.7M
New positions
18
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 18 (+1 vs prior Q) | 6 (-2 vs prior Q) | 50 (+16 vs prior Q) | 16 (-5 vs prior Q) | +57K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $12,377,818 | 377,718 | 10.43% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $6,852,436 | 209,107 | 5.77% | Shares |
| VANGUARD GROUP INC | $6,298,179 | 252,432 | 5.30% | Shares |
| FIRST MANHATTAN CO. LLC. | $6,128,711 | 187,022 | 5.16% | Shares |
| TWO SIGMA INVESTMENTS, LP | $5,613,108 | 171,288 | 4.73% | Shares |
| Fourthstone LLC | $5,264,550 | 159,824 | 4.43% | Shares |
| Daytona Street Capital LLC | $4,772,444 | 151,386 | 4.02% | Shares |
| Rhino Investment Partners, Inc | $4,440,892 | 135,517 | 3.74% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,038,186 | 123,250 | 3.40% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,894,199 | 118,800 | 3.28% | Shares |
| MARSHALL WACE, LLP | $3,885,703 | 118,575 | 3.27% | Shares |
| FIFTH THIRD BANCORP | $3,765,732 | 114,914 | 3.17% | Shares |
| CITADEL ADVISORS LLC | $3,413,749 | 104,173 | 2.88% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,356,402 | 102,423 | 2.83% | Shares |
| AMERICAN CENTURY COMPANIES INC | $2,711,488 | 82,743 | 2.28% | Shares |
| Qube Research & Technologies Ltd | $2,686,648 | 81,985 | 2.26% | Shares |
| UBS Group AG | $2,607,935 | 79,583 | 2.20% | Shares |
| STATE STREET CORP | $2,392,276 | 73,002 | 2.01% | Shares |
| ALLIANCEBERNSTEIN L.P. | $2,085,603 | 74,726 | 1.76% | Shares |
| MCDONALD PARTNERS LLC | $1,923,665 | 58,702 | 1.62% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,609,731 | 49,122 | 1.36% | Shares |
| GOLDMAN SACHS GROUP INC | $1,584,266 | 48,345 | 1.33% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,480,352 | 45,174 | 1.25% | Shares |
| De Lisle Partners LLP | $1,349,519 | 41,276 | 1.14% | Shares |
| NORTHERN TRUST CORP | $1,284,093 | 39,185 | 1.08% | Shares |
| SALZHAUER MICHAEL | $1,278,128 | 39,003 | 1.08% | Shares |
| Trexquant Investment LP | $1,182,407 | 36,082 | 1.00% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $1,178,966 | 35,977 | 0.99% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,132,498 | 34,559 | 0.95% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,036,351 | 31,625 | 0.87% | Shares |
| HSBC HOLDINGS PLC | $910,332 | 28,699 | 0.77% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $870,470 | 26,563 | 0.73% | Shares |
| BARCLAYS PLC | $824,526 | 25,161 | 0.69% | Shares |
| Western Reserve Capital Management, LLC | $742,077 | 22,645 | 0.63% | Shares |
| BANK OF AMERICA CORP /DE/ | $691,709 | 21,108 | 0.58% | Shares |
| STRS OHIO | $688,170 | 21,000 | 0.58% | Shares |
| MORGAN STANLEY | $663,621 | 20,250 | 0.56% | Shares |
| XTX Topco Ltd | $644,946 | 19,681 | 0.54% | Shares |
| MILLENNIUM MANAGEMENT LLC | $637,147 | 19,443 | 0.54% | Shares |
| Nuveen, LLC | $613,192 | 18,712 | 0.52% | Shares |
| JANE STREET GROUP, LLC | $588,877 | 17,970 | 0.50% | Shares |
| Empowered Funds, LLC | $562,792 | 17,174 | 0.47% | Shares |
| Bank of New York Mellon Corp | $552,338 | 16,855 | 0.47% | Shares |
| Krilogy Financial LLC | $517,864 | 15,803 | 0.44% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $500,562 | 15,275 | 0.42% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $485,291 | 14,809 | 0.41% | Shares |
| Quadrature Capital Ltd | $423,847 | 12,934 | 0.36% | Shares |
| Focus Partners Wealth | $419,885 | 12,813 | 0.35% | Shares |
| Man Group plc | $417,850 | 12,751 | 0.35% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $400,908 | 12,234 | 0.34% | Shares |
Activists & 5%+ owners 12 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Edward W. Cochran ×10 filings | Feb. 13, 2026 | 5.50% | Amendment | · | SEC |
| Castle Creek Capital Partners VI, LP, Castle Creek Capital VI LLC | Feb. 3, 2026 | 3.90% | Amendment | · | SEC |
| Castle Creek Capital Partners VII, LP, Castle Creek Capital VII LLC ×21 filings | Dec. 16, 2025 | 4.80% | Amendment | · | SEC |
| Ancora Advisors, LLC ×2 filings | May 26, 2022 | · | Initial filing | · | SEC |
| James H. Frauenberg II ×3 filings | Feb. 14, 2018 | · | Initial filing | · | SEC |
| Timothy T. O’Dell ×2 filings | Feb. 14, 2018 | · | Initial filing | · | SEC |
| James R. Frauenberg II ###-##-#### | Feb. 17, 2015 | · | Initial filing | · | SEC |
| THAD R. PERRY ###-##-#### | Feb. 17, 2015 | · | Initial filing | · | SEC |
| EDWARD W. COCHRAN ###-##-#### ×2 filings | June 9, 2014 | · | Initial filing | · | SEC |
| Uni Capital LP, Uni Capital GP LLC, Reid S. Buerger ×3 filings | Dec. 20, 2012 | · | Initial filing | · | SEC |
| Timothy T. O’Dell (2), Thad R. Perry (2), James H. Frauenberg, II (2), Donal H. Malenick (2), Robert E. Hoeweler (2) | Aug. 30, 2012 | · | Initial filing | Passive investment | SEC |
| MacNealy Hoover Investment Management Inc., Harry C.C. MacNealy, Charles H. Hoover | Dec. 17, 2009 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 33 insiders · 10 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Timothy T O'Dell | CEO | June 11, 2026 F | 295,939 | 0 | 0 | $0 |
| Kevin J Beerman | EVP & Chief Financial Officer | Feb. 23, 2026 A | 33,817 | 1 | 0 | $5,173 |
| John W Helmsdoerfer Jr | CFO, EXEC VP & TREASURER | Dec. 18, 2019 A | 30,829 | 0 | 0 | $0 |
| Bradley J Ringwald | Bank President | April 11, 2026 F | 37,680 | 1 | 0 | $24,070 |
| Edward L Baumgardner | Regional President | April 15, 2004 A | · | 0 | 0 | $0 |
| Marianne Mckinney | EVP & Chief Operating Officer | Sept. 11, 2026 S | 14,219 | 0 | 1 | $-14,144 |
| Timothy Meder | EVP & Chief Credit Officer | April 11, 2026 F | 16,256 | 0 | 0 | $0 |
| Timothy R Fitzwater | Manager Commercial Banking | Aug. 20, 2012 J | 4,000 | 0 | 0 | $0 |
| Corey David Caster | Director of Mortgage Division | July 1, 2011 J | 2,300 | 0 | 0 | $0 |
| Timothy M Obrien | Senior VP, Mortgage Services | Oct. 23, 2006 P | 11,745 | 0 | 0 | $0 |
| David L Royer | Director | Feb. 23, 2026 A | 41,187 | 0 | 0 | $0 |
| James H Frauenberg II | Director | Feb. 23, 2026 A | 117,930 | 1 | 0 | $4,994 |
| Edward W. Cochran | Director | Feb. 23, 2026 A | 353,413 | 0 | 0 | $0 |
| Thomas P Ash | Director | Feb. 23, 2026 A | 52,419 | 1 | 0 | $4,782 |
| Sundeep Rana | Director | March 24, 2025 A | 8,898 | 0 | 0 | $0 |
| John Pietrzak | Director | Jan. 15, 2021 A | 5,490 | 0 | 0 | $0 |
| Robert H Milbourne | Director | Dec. 18, 2019 A | 28,154 | 0 | 0 | $0 |
| William R Downing | Director | Aug. 20, 2012 J | 176,060 | 0 | 0 | $0 |
| Jerry F Whitmer | Director | Aug. 20, 2012 J | 40,000 | 0 | 0 | $0 |
| Gerry W Grace | Director | Aug. 20, 2012 J | 38,904 | 0 | 0 | $0 |
| Jeffrey W Aldrich | Director | Aug. 20, 2012 J | 5,822 | 0 | 0 | $0 |
| Uni Capital LP | 10% owner | Aug. 25, 2008 S | 409,784 | 0 | 0 | $0 |
| Robert E Hoeweler | · | Aug. 4, 2026 G | 75,112 | 1 | 0 | $23,870 |
| Thad R Perry | · | May 12, 2014 P | · | 0 | 0 | $0 |
| Donal H Malenick | · | June 4, 2013 J | · | 0 | 0 | $0 |
| John S Lawell | · | May 31, 2013 J | 4,013 | 0 | 0 | $0 |
| Therese Ann Liutkus | · | Feb. 8, 2013 J | 7,734 | 0 | 0 | $0 |
| Eloise L Mackus | · | Sept. 13, 2012 J | 29,586 | 0 | 0 | $0 |
| William Robert Reed | · | Sept. 24, 2010 J | 2,834 | 0 | 0 | $0 |
| Mark Allio | · | June 1, 2010 J | 129,067 | 0 | 0 | $0 |
| Raymond E Heh | · | June 1, 2010 J | 15,334 | 0 | 0 | $0 |
| Parker R Macdonell | · | March 31, 2010 J | 56,755 | 0 | 0 | $0 |
| David C Vernon | · | April 8, 2009 J | 56,879 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 18 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 18,406 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 29,689 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,472 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 17,211 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 142,355 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,453 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 21,163 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 6,294 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 548 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 4,596 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 704 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 52,663 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 153,341 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 398 SH | Aug. 19, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 36 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 53,930 SH | Sept. 11, 2026 | Daily |
CFBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$40.00
+16.2%
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-09-29Mean target $40.00 +16.2%
Low$40.00
Mean$40.00
High$40.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 7, 2026