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CF BANKSHARES INC

CFBKNASDAQ
๐Ÿ† #3063 by market capEarnings Nov 2US Equity
$35.56โ–ฒ $0.29 (+0.82%)
๐ŸŒ… Pre-market$35.85โ–ฒ 0.82%Regular close ยท extended-hours price shown
1hโ€”
24hโ–ฒ 0.8%
7dโ–ฒ 0.4%
14dโ–ผ 2.4%
30dโ–ฒ 11.3%
1yโ–ฒ 42.3%
๐ŸฆMarket Cap
$229M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+3.1%
Slowing
๐Ÿ“ŠGross Margin
43.8%
Healthy
๐Ÿ’ตFCF Margin
14.4%
Healthy
โš–๏ธP/S Ratio
1.8x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$35.27 โ€“ $36.06
52-Week Range
$22.10 โ€“ $36.95
Volume
$2.42B
Avg Volume
$1.72B
Shares Outstanding
6.4M
Next Earnings
Sep 23, 2026

Fundamentals Snapshot

Annual Revenue
$126M
Last Q Revenue
$32M
P/E Ratio
12.2
P/S Ratio
1.8x
EPS (TTM)
$2.98
Dividend Yield
0.98%

Why Investors Own CFBK

  • โœ“High-growth profile โ€” revenue up +38.3% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 58% gross margin and 12% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$126Mโ–ฒ +32.2% YoY
Gross Margin (TTM)
58.3%โ–ฒ +4.2% YoY
Operating Income (TTM)
$31Mโ–ฒ +32.2% YoY
Free Cash Flow (TTM)
$16Mโ–ฒ +32.2% YoY

About CF BANKSHARES INC

As the parent company for CFBank, National Association, CF Bankshares Inc. provides a broad spectrum of banking products and services throughout the United States. Its offerings encompass various deposit accounts, including savings, retail and business checking, money market accounts, and certificates of deposit. The bank also facilitates a range of loans such as single-family mortgages, commercial real estate and multi-family residential mortgages, commercial loans, and construction and land loans. Furthermore, it provides consumer credit options like home equity lines, home improvement loans, and loans secured by deposits, along with other purchased loans. Customers can access modern conveniences such as internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, the company operated five branch offices situated in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, in addition to a loan production office in Franklin County, Ohio. Founded in 1892, the company was formerly named Central Federal Corporation before adopting its current name, CF Bankshares Inc., in July 2020, and is headquartered in Worthington, Ohio.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
60/100

Analyst Ratings

โ“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Aug 2026

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