Symbols / CFBK Stock $26.75 -2.19% CF Bankshares Inc.

Financial Services • Banks - Regional • United States • NCM
CFBK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Timothy T. O'Dell
Exch · Country NCM · United States
Market Cap 173.86M
Enterprise Value 43.00M
Income 17.00M
Sales 52.70M
FCF (ttm) —
Book/sh 28.73
Cash/sh 40.02
Employees 98
Insider 10d —
IPO Dec 30, 1998
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 11.51%
P/E 9.62
Forward P/E 6.29
PEG —
P/S 3.30
P/B 0.93
P/C —
EV/EBITDA —
EV/Sales 0.82
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.78
EPS next Y 4.25
EPS Growth 29.40%
Revenue Growth 15.70%
EPS Gr Q/Q 29.90%
Rev Gr Q/Q —
Earnings (next) 2026-08-03
Earnings (prior) 2026-05-05
ROA 0.84%
ROE 9.94%
ROIC —
Gross Margin 0.00%
Oper. Margin 50.15%
Profit Margin 33.28%
Shs Outstand 6.42M
Shs Float 4.75M
Insider Own 17.12%
Instit Own 59.71%
Short Float 1.01%
Short Ratio 1.54
Short Interest 53.50K
52W High 34.34
vs 52W High -22.10%
52W Low 22.10
vs 52W Low 21.04%
Beta 0.43
Impl. Vol. —
Rel Volume 0.57
Avg Volume 42.46K
Volume 24.01K
Target (mean) $34.00
Tgt Median $34.00
Tgt Low $34.00
Tgt High $34.00
# Analysts 1
Recom None
Prev Close $27.35
Price $26.75
Change -2.19%
About

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, it provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, the company offers online and internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is headquartered in Columbus, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$34.00
Mean price target
2. Current target
$26.75
Latest analyst target
3. DCF / Fair value
$41.70
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$26.75
Low
$34.00
High
$34.00
Mean
$34.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-02 main Piper Sandler Overweight → Overweight $34
2020-09-22 init Piper Sandler — → Neutral $12
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-23 HOEWELER ROBERT E Director — 5,500 $0.00 $0
2026-02-23 ASH THOMAS P Director — 5,000 $0.00 $0
2026-02-23 FRAUENBERG JAMES H II Director — 3,500 $0.00 $0
2026-02-23 O DELL TIMOTHY T Chief Executive Officer — 18,000 $0.00 $0
2026-02-23 O DELL TIMOTHY T Chief Executive Officer — 12,750 $0.00 $0
2026-02-23 COCHRAN EDWARD W Director — 3,500 $0.00 $0
2026-02-23 RINGWALD BRADLEY J Officer — 10,500 $0.00 $0
2026-02-23 ROYER DAVID L. Director — 4,500 $0.00 $0
2026-02-23 BEERMAN KEVIN J Chief Financial Officer — 8,500 $0.00 $0
2026-02-23 MCKINNEY MARIANNE Chief Operating Officer — 5,500 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
60.03
+19.07%
50.42
-1.24%
51.05
-0.50%
51.31
Operating Revenue
60.03
+19.07%
50.42
-1.24%
51.05
-0.50%
51.31
Selling General And Administration
19.08
+11.18%
17.16
-4.32%
17.93
+2.49%
17.50
Selling And Marketing Expense
0.42
+211.94%
0.13
-60.12%
0.34
-22.04%
0.43
General And Administrative Expense
18.66
+9.60%
17.02
-3.25%
17.59
+3.11%
17.06
Salaries And Wages
16.41
+11.26%
14.75
-2.80%
15.17
-3.72%
15.76
Other Gand A
—
—
—
—
Reconciled Depreciation
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Total Unusual Items
0.00
+100.00%
-0.06
+6.67%
-0.06
+89.47%
-0.57
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-0.06
+6.67%
-0.06
+89.47%
-0.57
Special Income Charges
0.00
+100.00%
-0.06
+6.67%
-0.06
+89.47%
-0.57
Impairment Of Capital Assets
0.00
-100.00%
0.06
-6.67%
0.06
-89.47%
0.57
Net Income
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Pretax Income
21.53
+33.34%
16.14
-23.07%
20.98
-7.11%
22.59
Net Interest Income
54.39
+18.33%
45.97
-2.29%
47.05
-2.88%
48.44
Interest Expense
64.97
-9.44%
71.75
+18.31%
60.64
+219.59%
18.97
Interest Income
119.37
+1.40%
117.71
+9.31%
107.69
+59.74%
67.42
Gain On Sale Of Security
-0.10
0.00
0.00
0.00
Tax Provision
3.99
+44.58%
2.76
-31.89%
4.05
-8.58%
4.43
Tax Rate For Calcs
0.00
+8.88%
0.00
-10.53%
0.00
-5.00%
0.00
Tax Effect Of Unusual Items
0.00
+100.00%
-0.01
+16.49%
-0.01
+90.00%
-0.11
Net Income Including Noncontrolling Interests
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Net Income From Continuing Operation Net Minority Interest
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Net Income From Continuing And Discontinued Operation
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Net Income Continuous Operations
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Normalized Income
17.54
+30.58%
13.43
-20.91%
16.99
-8.78%
18.62
Net Income Common Stockholders
17.00
+30.52%
13.03
-23.09%
16.94
-6.76%
18.16
Otherunder Preferred Stock Dividend
0.54
+49.58%
0.36
—
—
Diluted EPS
—
2.06
-21.67%
2.63
-5.40%
2.78
Basic EPS
—
2.08
-21.21%
2.64
-7.04%
2.84
Basic Average Shares
—
6.27
-2.28%
6.42
+0.38%
6.40
Diluted Average Shares
—
6.31
-2.15%
6.45
-1.34%
6.54
Diluted NI Availto Com Stockholders
17.00
+30.52%
13.03
-23.09%
16.94
-6.76%
18.16
Depreciation Amortization Depletion Income Statement
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Depreciation And Amortization In Income Statement
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Depreciation Income Statement
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Insurance And Claims
2.25
-1.10%
2.28
-6.06%
2.42
+85.46%
1.31
Occupancy And Equipment
1.76
-3.35%
1.82
+7.50%
1.69
+35.20%
1.25
Other Non Interest Expense
5.79
+9.51%
5.29
+5.19%
5.03
-6.11%
5.36
Professional Expense And Contract Services Expense
3.16
+15.68%
2.73
+10.49%
2.47
-10.44%
2.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,117.32
+2.51%
2,065.52
+0.34%
2,058.61
+13.10%
1,820.17
Cash And Cash Equivalents
259.07
+10.07%
235.37
-10.06%
261.69
+72.30%
151.89
Cash Financial
—
—
—
151.79
Other Short Term Investments
17.50
+101.50%
8.68
+7.30%
8.09
-22.51%
10.44
Receivables
2.71
-64.71%
7.68
-43.10%
13.50
-35.01%
20.77
Accounts Receivable
—
—
—
39.36
Other Receivables
2.71
-64.71%
7.68
-43.10%
13.50
-35.01%
20.77
Net PPE
9.23
-4.12%
9.62
+6.53%
9.03
+75.91%
5.13
Gross PPE
11.63
+0.67%
11.55
+6.78%
10.82
+49.81%
7.22
Accumulated Depreciation
-2.40
-24.52%
-1.93
-8.07%
-1.78
+14.43%
-2.09
Land And Improvements
0.25
+0.00%
0.25
+0.00%
0.25
+0.00%
0.25
Buildings And Improvements
2.79
+14.84%
2.43
-0.74%
2.44
+6.49%
2.29
Machinery Furniture Equipment
2.92
+4.44%
2.79
-3.92%
2.90
-12.53%
3.32
Other Properties
5.68
-6.69%
6.09
+16.59%
5.22
+284.75%
1.36
Investments And Advances
17.50
+27.87%
13.68
+4.51%
13.09
-15.22%
15.44
Total Liabilities Net Minority Interest
1,932.89
+1.89%
1,897.09
-0.32%
1,903.24
+13.23%
1,680.93
Payables And Accrued Expenses
—
—
—
23.67
Payables
—
—
—
23.67
Accounts Payable
—
—
—
23.67
Long Term Debt And Capital Lease Obligation
121.88
+7.00%
113.91
-12.55%
130.26
+3.53%
125.82
Long Term Debt
116.00
+7.73%
107.68
-13.83%
124.96
+0.46%
124.38
Long Term Capital Lease Obligation
5.88
-5.63%
6.23
+17.48%
5.30
+268.71%
1.44
Stockholders Equity
184.43
+9.49%
168.44
+8.41%
155.37
+11.58%
139.25
Common Stock Equity
184.43
+9.49%
168.44
+8.41%
155.37
+11.58%
139.25
Capital Stock
0.07
+1.47%
0.07
-2.86%
0.07
+1.45%
0.07
Common Stock
0.07
+1.47%
0.07
-2.86%
0.07
+1.45%
0.07
Preferred Stock
—
—
—
0.00
Share Issued
6.88
+1.13%
6.80
-1.82%
6.93
+0.94%
6.86
Ordinary Shares Number
6.42
+0.25%
6.40
-2.19%
6.55
+0.75%
6.50
Treasury Shares Number
0.46
+15.30%
0.40
+4.49%
0.38
+4.36%
0.37
Additional Paid In Capital
93.62
+1.51%
92.22
+1.27%
91.07
+1.40%
89.81
Retained Earnings
103.88
+17.66%
88.29
+15.39%
76.52
+25.24%
61.09
Gains Losses Not Affecting Retained Earnings
-1.37
+23.96%
-1.80
+21.27%
-2.29
-12.42%
-2.04
Treasury Stock
11.77
+13.83%
10.34
+3.52%
9.99
+3.09%
9.69
Total Equity Gross Minority Interest
184.43
+9.49%
168.44
+8.41%
155.37
+11.58%
139.25
Total Capitalization
300.43
+8.80%
276.12
-1.50%
280.33
+6.33%
263.63
Invested Capital
300.43
+8.80%
276.12
-1.50%
280.33
+6.33%
263.63
Total Debt
121.88
+7.00%
113.91
-12.55%
130.26
+3.53%
125.82
Capital Lease Obligations
5.88
-5.63%
6.23
+17.48%
5.30
+268.71%
1.44
Net Tangible Assets
184.43
+9.49%
168.44
+8.41%
155.37
+11.58%
139.25
Tangible Book Value
184.43
+9.49%
168.44
+8.41%
155.37
+11.58%
139.25
Available For Sale Securities
—
5.00
+0.00%
5.00
+0.00%
5.00
Cash Cash Equivalents And Federal Funds Sold
259.07
+10.07%
235.37
-10.06%
261.69
+72.30%
151.89
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
18.69
+31.71%
14.19
-21.39%
18.05
-54.60%
39.76
Cash Flow From Continuing Operating Activities
18.69
+31.71%
14.19
-21.39%
18.05
-54.60%
39.76
Net Income From Continuing Operations
17.54
+31.03%
13.39
-20.96%
16.94
-6.76%
18.16
Depreciation Amortization Depletion
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Depreciation
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Amortization Cash Flow
—
-1.38
-34.38%
-1.02
-16.23%
-0.88
Depreciation And Amortization
0.48
-2.06%
0.49
-14.29%
0.57
+14.31%
0.50
Amortization Of Intangibles
—
-1.38
-34.38%
-1.02
-16.23%
-0.88
Other Non Cash Items
-5.27
-105.38%
-2.56
+8.36%
-2.80
-111.16%
25.08
Stock Based Compensation
1.39
+20.69%
1.16
-1.45%
1.17
+30.37%
0.90
Asset Impairment Charge
—
—
0.06
-89.47%
0.57
Deferred Tax
-0.19
+49.04%
-0.36
-180.04%
0.46
+112.09%
0.21
Deferred Income Tax
-0.19
+49.04%
-0.36
-180.04%
0.46
+112.09%
0.21
Operating Gains Losses
-0.59
+4.80%
-0.62
-458.04%
-0.11
+74.49%
-0.44
Gain Loss On Investment Securities
0.10
0.00
0.00
—
Gain Loss On Sale Of PPE
0.00
-100.00%
0.06
-6.67%
0.06
-89.47%
0.57
Change In Working Capital
-2.92
+27.36%
-4.02
-725.67%
-0.49
+91.05%
-5.44
Change In Receivables
1.47
-58.13%
3.52
+231.54%
-2.68
+58.67%
-6.47
Changes In Account Receivables
1.47
-58.13%
3.52
+231.54%
-2.68
+58.67%
-6.47
Change In Payables And Accrued Expense
-4.45
+41.45%
-7.60
-447.44%
2.19
+106.61%
1.06
Change In Payable
-4.45
+41.45%
-7.60
-447.44%
2.19
+106.61%
1.06
Change In Account Payable
-4.45
+41.45%
-7.60
-447.44%
2.19
+106.61%
1.06
Change In Other Current Assets
0.66
-12.22%
0.75
+9.61%
0.69
+20.95%
0.57
Change In Other Current Liabilities
-0.60
+12.57%
-0.69
-0.87%
-0.69
-15.49%
-0.59
Investing Cash Flow
-25.04
+24.11%
-32.99
+72.92%
-121.85
+65.51%
-353.32
Cash Flow From Continuing Investing Activities
-25.04
+24.11%
-32.99
+72.92%
-121.85
+65.51%
-353.32
Net PPE Purchase And Sale
-0.49
-83.08%
-0.27
+59.76%
-0.66
+26.96%
-0.91
Purchase Of PPE
-0.49
-83.08%
-0.27
+59.76%
-0.66
+26.96%
-0.91
Sale Of PPE
—
—
0.00
0.00
Capital Expenditure
-0.49
-83.08%
-0.27
+59.76%
-0.66
+26.96%
-0.91
Net Investment Purchase And Sale
-3.32
-6026.79%
0.06
-97.93%
2.71
-23.09%
3.52
Purchase Of Investment
-9.22
-328.85%
-2.15
-79.08%
-1.20
0.00
Sale Of Investment
5.90
+167.44%
2.21
-43.53%
3.90
+11.03%
3.52
Net Other Investing Changes
1.56
+1002.11%
0.14
+116.12%
-0.88
+99.76%
-364.80
Financing Cash Flow
30.05
+499.73%
-7.52
-103.52%
213.61
-28.50%
298.75
Cash Flow From Continuing Financing Activities
30.05
+499.73%
-7.52
-103.52%
213.61
-28.50%
298.75
Net Issuance Payments Of Debt
8.25
+147.56%
-17.35
-3569.80%
0.50
-97.46%
19.70
Issuance Of Debt
10.21
-62.41%
27.15
-26.77%
37.08
-7.66%
40.15
Repayment Of Debt
-1.95
+95.61%
-44.50
-21.67%
-36.58
-78.85%
-20.45
Long Term Debt Issuance
10.21
-62.41%
27.15
-26.77%
37.08
-7.66%
40.15
Long Term Debt Payments
-1.95
+95.61%
-44.50
-21.67%
-36.58
-78.85%
-20.45
Net Long Term Debt Issuance
8.25
+147.56%
-17.35
-3569.80%
0.50
-97.46%
19.70
Net Short Term Debt Issuance
—
—
0.00
0.00
Net Common Stock Issuance
-1.43
-306.25%
-0.35
-17.73%
-0.30
+88.10%
-2.51
Common Stock Payments
-1.43
-306.25%
-0.35
-17.73%
-0.30
+88.10%
-2.51
Common Stock Dividend Paid
-1.95
-20.69%
-1.61
-9.35%
-1.48
-28.01%
-1.15
Cash Dividends Paid
-1.95
-20.69%
-1.61
-9.35%
-1.48
-28.01%
-1.15
Repurchase Of Capital Stock
-1.43
-306.25%
-0.35
-17.73%
-0.30
+88.10%
-2.51
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
0.08
-78.29%
0.39
Net Other Financing Charges
0.28
+383.05%
0.06
+104.42%
-1.33
-275.30%
0.76
Changes In Cash
23.70
+190.04%
-26.32
-123.97%
109.81
+841.75%
-14.80
Beginning Cash Position
235.27
-10.06%
261.60
+72.34%
151.79
-8.89%
166.59
End Cash Position
258.97
+10.07%
235.27
-10.06%
261.60
+72.34%
151.79
Free Cash Flow
18.20
+30.73%
13.92
-19.94%
17.39
-55.25%
38.86
Interest Paid Supplemental Data
64.72
-10.32%
72.17
+22.73%
58.80
+220.22%
18.36
Income Tax Paid Supplemental Data
2.69
+304.37%
0.66
-83.30%
3.98
+62.24%
2.45
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
Net Preferred Stock Issuance
—
—
—
—
Preferred Stock Issuance
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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