CFBK CF Bankshares Inc. - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$27.48
Price · May 20, 2026
Fundamentals as of May 11, 2026

CFBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$27.48
Market Cap
P/E (TTM)
9.3
EPS (TTM)
$2.69
Revenue (TTM)
Div Yield
ROE
9.7%
Debt/Equity
52W Range
$22 – $34

CFBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income
EPS $2.69
10-point trend, +5280.0%
2016-12-31 2025-12-31
Free Cash Flow $18M
10-point trend, +943.0%
2016-12-31 2025-12-31
Margins 28.8%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
CFBK
Peer Median
P/E (TTM)
5-point trend, +25.1%
9.3
12.6

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
CFBK
Peer Median
Net Profit Margin
5-point trend, -16.3%
28.8%
20.9%
ROA
5-point trend, -32.3%
0.84%
0.91%
ROE
5-point trend, -34.6%
9.7%
7.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
CFBK
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
CFBK
Peer Median
Revenue YoY
17.6%
Revenue CAGR 3Y
5.4%
Revenue CAGR 5Y
-7.0%
EPS YoY
5-point trend, -2.9%
30.6%
Net Income YoY
5-point trend, -4.9%
31.0%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
CFBK
Peer Median
EPS (Diluted)
5-point trend, -2.9%
$2.69

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
CFBK
Peer Median
Payout Ratio
5-point trend, +141.5%
11.1%

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
Payout Ratio
11.1%
5Y Div CAGR
Ex-dateAmount
April 13, 2026$0.0900
Jan. 15, 2026$0.0900
Oct. 10, 2025$0.0800
July 11, 2025$0.0800
April 14, 2025$0.0700
Jan. 16, 2025$0.0700
Oct. 11, 2024$0.0700
July 11, 2024$0.0600
April 17, 2024$0.0600
Jan. 12, 2024$0.0600
Oct. 13, 2023$0.0600
July 20, 2023$0.0600
April 14, 2023$0.0600
Jan. 13, 2023$0.0500
Oct. 13, 2022$0.0500
July 14, 2022$0.0500
April 13, 2022$0.0400
Jan. 20, 2022$0.0400
Oct. 21, 2021$0.0400
July 21, 2021$0.0300

CFBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 7 analysts
  • Strong Buy 2 28.6%
  • Buy 4 57.1%
  • Hold 1 14.3%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

1 analysts · 2026-05-19
Median target $33.50 +21.9%
Mean target $33.50 +21.9%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
-0.08%
Period EPS Actual EPS Est Surprise
March 31, 2026 $0.77 $0.83 -0.06%
Dec. 31, 2025 $0.88 $0.78 0.10%
Sept. 30, 2025 $0.36 $0.86 -0.50%
June 30, 2025 $0.77 $0.73 0.04%
June 30, 2023 $0.66 $0.62 0.04%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
CFBK 9.3 17.6% 28.8% 9.7%
FCAP $198M 12.1 1.6% 228.3% 13.0%
RBKB $134M 13.1 -0.60% 336.6% 7.6%
EBMT $158M 10.5 12.8% 16.2% 8.0%
CBFV $176M 37.9 11.3% 3.2%
COSO 10.8 6.4% 1254.0% 10.6%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 9
Annual Income Statement data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Interest Expense 9-point trend, +2225.1% · · $61M $19M $10M $15M $13M $7M $4M $3M $3M ·
Interest Income 11-point trend, +867.3% $120M $118M $108M $68M $52M $42M $35M $25M $17M $14M $12M ·
Pretax Income 11-point trend, +1576.6% $22M $16M $21M $23M $23M $36M $12M $5M $3M $2M $1M ·
Income Tax 11-point trend, +224.8% $4M $3M $4M $4M $4M $7M $2M $1M $2M $810.0K $-3M ·
Net Income 11-point trend, +291.8% $18M $13M $17M $18M $18M $30M $10M $4M $1M $2M $4M ·
EPS (Basic) 11-point trend, +1073.9% $2.70 $2.08 $2.64 $2.84 $2.84 $4.53 $2.05 $1.02 $0.21 $0.05 $0.23 ·
EPS (Diluted) 11-point trend, +1245.0% $2.69 $2.06 $2.63 $2.78 $2.77 $4.47 $2.03 $1.00 $0.19 $0.05 $0.20 ·
Shares (Basic) 8-point trend, +47.6% 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) 11-point trend, -72.1% 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 14
Annual Balance Sheet data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Cash & Equivalents 11-point trend, +900.1% $259M $235M $262M $152M $167M $222M $46M $67M $45M $58M $26M ·
PP&E (Net) 11-point trend, -1.7% $4M $4M $4M $4M $6M $4M $4M $4M $4M $3M $4M ·
PP&E (Gross) 11-point trend, -23.5% $6M $5M $6M $6M $9M $8M $8M $8M $8M $7M $8M ·
Accum. Depreciation 11-point trend, -42.3% $2M $2M $2M $2M $3M $5M $4M $4M $4M $4M $4M ·
Total Assets 11-point trend, +502.7% $2.12B $2.07B $2.06B $1.82B $1.50B $1.48B $881M $665M $481M $436M $351M ·
Total Liabilities 11-point trend, +517.6% $1.93B $1.90B $1.90B $1.68B $1.37B $1.37B $800M $619M $441M $397M $313M ·
Long-term Debt 6-point trend, +118.2% · · · $29M $24M $80M $13M $6M $14M · · ·
Common Stock 11-point trend, -57.8% $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 11-point trend, +56.2% $94M $92M $91M $90M $89M $88M $87M $62M $61M $60M $60M ·
Retained Earnings 11-point trend, +660.4% $104M $88M $77M $61M $44M $26M $-3M $-13M $-17M $-18M $-19M ·
Treasury Stock 11-point trend, +262.8% $12M $10M $10M $10M $7M $4M $3M $3M $3M $3M $3M ·
AOCI 11-point trend, -15133.3% $-1M $-2M $-2M $-2M $-170.0K $96.0K $28.0K $-73.0K $-47.0K $2.0K $-9.0K ·
Stockholders' Equity 11-point trend, +381.4% $184M $168M $155M $139M $125M $110M $81M $46M $40M $39M $38M ·
Liabilities + Equity 11-point trend, +502.7% $2.12B $2.07B $2.06B $1.82B $1.50B $1.48B $881M $665M $481M $436M $351M ·
Cash Flow 12
Annual Cash Flow data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Stock-based Comp 11-point trend, +940.3% $1M $1M $1M $899.0K $707.0K $711.0K $527.0K $376.0K $246.0K $122.0K $134.0K ·
Deferred Tax 11-point trend, +94.3% $-186.0K $-365.0K $456.0K $215.0K $773.0K $-3M $-187.0K $85.0K $3.0K $623.0K $-3M ·
Amort. of Intangibles 4-point trend, +229.4% · $56.0K $60.0K $570.0K $17.0K · · · · · · ·
Operating Cash Flow 11-point trend, +266.3% $19M $14M $18M $40M $253M $-123M $-104M $-12M $4M $2M $5M ·
CapEx 11-point trend, +982.2% $487.0K $266.0K $661.0K $905.0K $3M $385.0K $443.0K $612.0K $312.0K $47.0K $45.0K ·
Investing Cash Flow 9-point trend, +57.8% $-25M $-33M $-122M $-353M $-317M $-260M $-111M $-144M $-59M · · ·
Dividends Paid 6-point trend, +899.0% $2M $2M $1M $1M $848.0K $195.0K · · · · · ·
Financing Cash Flow 9-point trend, -30.1% $30M $-8M $214M $299M $8M $559M $194M $177M $43M · · ·
Net Change in Cash 4-point trend, +1043.2% · · · · · · · $22M $-12M $32M $-2M ·
Taxes Paid $3M · · · · · · · · · · ·
Free Cash Flow 11-point trend, +259.9% $18M $14M $17M $39M $250M $-124M $-104M $-12M $4M $2M $5M ·
Levered FCF 9-point trend, -681.7% · · $-32M $24M $242M $-136M $-115M $-18M $2M $-322.0K $-4M ·
Profitability 4
Annual Profitability data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Net Margin 11-point trend, -28.4% 28.8% 25.8% 32.8% 34.9% 34.4% 33.7% 28.7% 20.7% 9.3% 13.0% 40.2% ·
Pretax Margin 11-point trend, +206.6% 35.3% 31.1% 40.6% 43.5% 42.5% 41.3% 36.0% 25.9% 24.0% 19.5% 11.5% ·
ROA 11-point trend, -37.3% 0.84% 0.65% 0.87% 1.1% 1.2% 2.5% 1.2% 0.75% 0.29% 0.41% 1.3% ·
ROE 11-point trend, -20.3% 9.7% 8.1% 11.1% 13.2% 14.8% 27.8% 14.3% 9.6% 3.3% 4.2% 12.2% ·
Efficiency 1
Annual Efficiency data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Asset Turnover 11-point trend, -12.9% 0.0 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 ·
Per Share 4
Annual Per Share data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Revenue / Share 11-point trend, +1862.5% $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 11-point trend, +1214.7% $2.95 $2.25 $2.80 $6.08 $38.09 $-20.22 $-22.37 $-2.72 $0.20 $0.11 $0.22 ·
Dividend / Share 6-point trend, +900.0% $0 $0 $0 $0 $0 $0 · · · · · ·
EPS (TTM) 12-point trend, +13550.0% $2.69 $2.06 $2.63 $2.78 $2.77 $4.47 $2.03 $1.00 $0.19 $0.05 $0.20 $-0.02
Growth Rates 10
Annual Growth Rates data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Revenue YoY 5-point trend, +145.3% 17.6% 0.29% -0.63% -3.1% -38.9% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +133.6% 5.4% -1.2% -16.2% · · · · · · · · ·
Revenue CAGR 5Y -7.0% · · · · · · · · · · ·
EPS YoY 5-point trend, +180.4% 30.6% -21.7% -5.4% 0.36% -38.0% · · · · · · ·
EPS CAGR 3Y 3-point trend, +93.3% -1.1% -9.4% -16.2% · · · · · · · · ·
EPS CAGR 5Y -9.7% · · · · · · · · · · ·
Net Income YoY 5-point trend, +182.4% 31.0% -21.0% -6.8% -1.6% -37.7% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +93.2% -1.2% -10.2% -17.0% · · · · · · · · ·
Net Income CAGR 5Y -9.9% · · · · · · · · · · ·
Dividend CAGR 5Y 58.5% · · · · · · · · · · ·
Valuation (TTM) 6
Annual Valuation (TTM) data for CFBK
Metric Trend 202520242023202220212020201920182017201620152015
Revenue TTM 8-point trend, +14.0% $536.0K $536.0K $536.0K $536.0K $536.0K $536.0K $536.0K $470.0K · · · ·
Net Income TTM 12-point trend, +8258.6% $18M $13M $17M $18M $18M $30M $10M $4M $1M $2M $4M $-215.0K
P/E 12-point trend, +102.4% 9.3 12.4 7.4 7.6 7.4 4.0 6.9 11.7 80.0 193.4 36.5 -386.7
Earnings Yield 12-point trend, +4246.2% 10.8% 8.1% 13.5% 13.1% 13.5% 25.3% 14.5% 8.6% 1.2% 0.52% 2.7% -0.26%
Payout Ratio 6-point trend, +1583.3% 11.1% 12.1% 8.7% 6.3% 4.6% 0.66% · · · · · ·
Annual Payout 6-point trend, +899.0% $2M $2M $1M $1M $848.0K $195.0K · · · · · ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $18M$13M$17M$18M$18M
Diluted EPS $2.69$2.06$2.63$2.78$2.77
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $18M$14M$17M$39M$250M

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