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: $24.10 to $24.40
• 50-Day Range: $23.31 to $25.50
• 52-Week Range: $19.22 to $31.17
• Volume: 19,831 shs
• Average Volume: 37,925 shs
• Market Capitalization: $140.21 million
• P/E Ratio: 8.74
• Dividend Yield: 1.32%
• Price Target: $29.00
• Consensus Rating: Buy

CF Bankshares Stock Analysis - MarketRank™

CF Bankshares scored higher than 80% of companies evaluated by MarketBeat, and ranked 373rd out of 950 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: 3.0 / 5
• Analyst Rating: Buy

Consensus Rating

CF Bankshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside Potential

CF Bankshares has a consensus price target of $29.00, representing about 19.3% upside from its current price of $24.30.

Amount of Analyst Coverage

CF Bankshares has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of CF Bankshares is 8.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.42.

Price to Earnings Ratio vs. Sector

The P/E ratio of CF Bankshares is 8.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 238.92.

Price to Book Value per Share Ratio

CF Bankshares has a P/B Ratio of 0.74. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.85% 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 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CF Bankshares has recently decreased by 4.01%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

CF Bankshares pays a meaningful dividend of 1.32%, 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 11.51%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.85% 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 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CF Bankshares has recently decreased by 4.01%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: N/A

News Sentiment

CF Bankshares has a news sentiment score of 1.45. 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 1.07 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

6 people have searched for CFBK on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

1 people have added CF Bankshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 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 $508,735.00 in company stock.

Percentage Held by Insiders

21.00% 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.

CFBK Stock Analysis - Frequently Asked Questions

How have CFBK shares performed this year?

CF Bankshares' stock was trading at $25.54 at the beginning of 2025. Since then, CFBK shares have decreased by 4.9% and is now trading at $24.30.

How were CF Bankshares' earnings last quarter?

CF Bankshares Inc. (NASDAQ:CFBK) posted its quarterly earnings data on Monday, August, 4th. The savings and loans company reported $0.77 EPS for the quarter, topping the consensus estimate of $0.72 by $0.05. The savings and loans company had revenue of $15.58 million for the quarter, compared to the consensus estimate of $14.73 million. CF Bankshares had a net margin of 14.20% and a trailing twelve-month return on equity of 10.44%.

When did CF Bankshares' stock split?

CF Bankshares's stock reverse split before market open on Tuesday, August 21st 2018.The 2-11 reverse split was announced on Monday, August 20th 2018. The number of shares owned by shareholders was adjusted after the closing bell on Monday, August 20th 2018. An investor that had 100 shares of stock prior to the reverse split would have 18 shares after the split.

Who are CF Bankshares' major shareholders?

CF Bankshares' top institutional shareholders include Fourthstone LLC (7.30%), Graham Capital Wealth Management LLC (2.79%), Geode Capital Management LLC (1.66%) and Bridgeway Capital Management LLC (0.47%). Insiders that own company stock include Timothy T O'dell, Robert E Hoeweler, Thomas P Ash, David L Royer and Sundeep Rana.
View institutional ownership trends.

How do I buy shares of CF Bankshares?

Shares of CFBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of CF Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that CF Bankshares investors own include Analog Devices (ADI), Huntington Bancshares (HBAN), NetApp (NTAP), NVIDIA (NVDA), PayPal (PYPL), Adobe (ADBE) and Advanced Micro Devices (AMD).

Company Calendar

• Record date for 7/21 Dividend: 7/11/2025
• Ex-Dividend for 7/21 Dividend: 7/11/2025
• Dividend Payable: 7/21/2025
• Last Earnings: 8/04/2025
• Today: 9/25/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

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: $29.00
• High Price Target: $29.00
• Low Price Target: $29.00
• Potential Upside/Downside: +19.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.78
• Trailing P/E Ratio: 8.74
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $13.39 million
• Net Margins: 14.20%
• Pretax Margin: 17.89%
• Return on Equity: 10.44%
• Return on Assets: 0.85%

Debt

• Debt-to-Equity Ratio: 0.66
• Current Ratio: 1.13
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $55.53 million
• Price / Sales: 2.53
• Cash Flow: $2.40 per share
• Price / Cash Flow: 10.11
• Book Value: $32.86 per share
• Price / Book: 0.74

Miscellaneous

• Outstanding Shares: 5,772,000
• Free Float: 4,560,000
• Market Cap: $140.26 million
• Optionable: Not Optionable
• Beta: 0.42