CF Bankshares (CFBK) Stock Price, News & Analysis

Company Overview

CF Bankshares Inc. is the bank holding company for CFBank, a nationally chartered community bank headquartered in Columbus, Ohio. Through CFBank, the company provides banking services to individuals, businesses and commercial real estate clients.

CFBank’s products and services include checking and savings accounts, certificates of deposit, commercial and residential real estate lending, construction loans, business loans, consumer loans and mortgage banking. The bank also offers treasury management and other deposit and cash-management services designed to support business customers.

CFBank primarily serves customers in Ohio, with a focus on the Columbus and surrounding central Ohio markets as well as other communities served through its banking offices and lending operations. The institution has a history as a community-focused bank and operates with an emphasis on relationship banking. Timothy T. O’Dell has served as the company’s president and chief executive officer.

Key Stats

• Today's Range: $33.37 to $34.19
• 50-Day Range: $32.67 to $36.31
• 52-Week Range: $22.10 to $38.11
• Volume: 17,568 shs
• Average Volume: 53,016 shs
• Market Capitalization: $217.64 million
• P/E Ratio: 11.65
• Dividend Yield: 1.06%
• Price Target: $40.00
• Consensus Rating: Moderate Buy

CF Bankshares Stock Analysis - MarketRank™

CF Bankshares scored higher than 94% of companies evaluated by MarketBeat, and ranked 173rd out of 855 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

CF Bankshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

CF Bankshares has a consensus price target of $40.00, representing about 18.0% upside from its current price of $33.90.

Amount of Analyst Coverage

CF Bankshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 17.98%

Earnings Growth

Earnings for CF Bankshares are expected to grow by 17.98% in the coming year, from $3.56 to $4.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CF Bankshares is 11.65, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.77.

Price to Earnings Ratio vs. Sector

The P/E ratio of CF Bankshares is 11.65, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.64.

Price to Book Value per Share Ratio

CF Bankshares has a P/B Ratio of 1.17. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.46% of the float of CF Bankshares has been sold short.

Short Interest Ratio / Days to Cover

CF Bankshares has a short interest ratio ("days to cover") of 3.73, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CF Bankshares has recently increased by 14.73%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

CF Bankshares pays a meaningful dividend of 1.05%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

CF Bankshares has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of CF Bankshares is 12.37%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, CF Bankshares will have a dividend payout ratio of 8.57% next year. This indicates that CF Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 0.91

News Sentiment

CF Bankshares has a news sentiment score of 0.91. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for CF Bankshares this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for CFBK on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, CF Bankshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $14,144.00 in company stock.

Percentage Held by Insiders

17.70% of the stock of CF Bankshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

41.06% of the stock of CF Bankshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 7/21 Dividend: 7/13/2026
• Ex-Dividend for 7/21 Dividend: 7/13/2026
• Dividend Payable: 7/21/2026
• Last Earnings: 7/28/2026
• Today: 10/01/2026
• Next Earnings (Estimated): 11/02/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CFBK
• CIK: 1070680
• Web: www.cf.bank
• Phone: (614) 334-7979
• Fax: 302-655-5049
• Employees: 104
• Year Founded: N/A

Price Target and Rating

• Average Price Target for CF Bankshares: $40.00
• High Price Target: $40.00
• Low Price Target: $40.00
• Potential Upside/Downside: +17.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.91
• Trailing P/E Ratio: 11.67
• Forward P/E Ratio: 9.53
• P/E Growth: N/A
• Net Income: $17.54 million
• Net Margins: 15.10%
• Pretax Margin: 18.17%
• Return on Equity: 10.10%
• Return on Assets: 0.88%

Debt

• Debt-to-Equity Ratio: 0.59
• Current Ratio: 1.14
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $125.92 million
• Price / Sales: 1.73
• Cash Flow: $2.49 per share
• Price / Cash Flow: 13.62
• Book Value: $28.97 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 6,420,000
• Free Float: 5,280,000
• Market Cap: $217.87 million
• Optionable: Not Optionable
• Beta: 0.38