CF Bankshares (CFBK) Stock Price, News & Analysis

Company Overview

CF Bankshares, Inc. is a bank holding company headquartered in Wichita, Kansas. Through its primary subsidiary, Community First Bank, Wichita, N.A., the company provides a broad range of financial services to individuals, businesses and agricultural clients. CF Bankshares emphasizes community-oriented banking, combining local market knowledge with a personalized approach to customer relationships.

The company’s offerings include traditional deposit accounts such as checking, savings and money market products, along with a variety of commercial and consumer lending solutions. Clients can access lines of credit, term loans, equipment financing, real estate mortgages and agricultural loans. CF Bankshares also provides cash management, treasury services and a full suite of digital banking platforms, enabling online and mobile account access, electronic payments and remote deposit capture.

CF Bankshares operates a network of branch offices across southern Kansas, with a concentration in the Wichita metropolitan area. Its regional footprint is designed to support the financial needs of local businesses, farmers, ranchers and households. By tailoring its services to the economic characteristics of its markets, the company seeks to foster community growth and development.

Led by an experienced management team with deep ties to the region, CF Bankshares maintains a focus on stability, customer service and prudent growth. The leadership group brings decades of banking expertise to strategic decision-making and remains committed to supporting the long-term financial health of the communities it serves.

Key Stats

• Today's Range: $32.71 to $33.83
• 50-Day Range: $27.15 to $33.44
• 52-Week Range: $22.10 to $34.33
• Volume: 41,219 shs
• Average Volume: 81,574 shs
• Market Capitalization: $214.68 million
• P/E Ratio: 12.03
• Dividend Yield: 1.08%
• Price Target: $36.00
• Consensus Rating: Moderate Buy

CF Bankshares Stock Analysis - MarketRank™

CF Bankshares scored higher than 81% of companies evaluated by MarketBeat, and ranked 280th out of 876 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: 2.3 / 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/Downside

The consensus price target for CF Bankshares is close to its current price, suggesting limited near-term upside or downside.

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: 16.02%

Earnings Growth

Earnings for CF Bankshares are expected to grow by 16.02% in the coming year, from $3.62 to $4.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CF Bankshares is 12.03, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of CF Bankshares is 12.03, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.66.

Price to Book Value per Share Ratio

CF Bankshares has a P/B Ratio of 1.15. 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

1.14% 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 0.97, 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 16.14%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

CF Bankshares pays a meaningful dividend of 1.08%, 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 12.95%. 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: 3.0 / 5
• News Sentiment: N/A

News Sentiment

CF Bankshares has a news sentiment score of 1.87. 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 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for CF Bankshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, CF Bankshares insiders have not sold or bought any 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

• Last Earnings: 5/05/2026
• Record date for 7/21 Dividend: 7/13/2026
• Ex-Dividend for 7/21 Dividend: 7/13/2026
• Dividend Payable: 7/21/2026
• Today: 7/26/2026
• Next Earnings (Estimated): 8/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CFBK
• CIK: 1070680
• Web: www.cfbankonline.com
• Phone: (614) 334-7979
• Fax: 302-655-5049
• Employees: 130
• Year Founded: N/A

Price Target and Rating

• Average Price Target for CF Bankshares: $36.00
• High Price Target: $36.00
• Low Price Target: $36.00
• Potential Upside/Downside: +7.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.78
• Trailing P/E Ratio: 12.03
• Forward P/E Ratio: 9.24
• P/E Growth: N/A
• Net Income: $17.54 million
• Net Margins: 14.37%
• Pretax Margin: 17.45%
• Return on Equity: 9.86%
• Return on Assets: 0.85%

Debt

• Debt-to-Equity Ratio: 0.61
• Current Ratio: 1.14
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $125.92 million
• Price / Sales: 1.70
• Cash Flow: $2.50 per share
• Price / Cash Flow: 13.35
• Book Value: $28.97 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 6,420,000
• Free Float: 5,284,000
• Market Cap: $214.68 million
• Optionable: Not Optionable
• Beta: 0.39