CF Bankshares (CFBK) Stock Price, News & Analysis

Company Overview

CF Bankshares, Inc. is a bank holding company that operates through its wholly owned subsidiary, Community First Bank, providing a comprehensive suite of financial services to individuals and businesses. The company’s core business activities include accepting retail and commercial deposits, making consumer, commercial real estate and agricultural loans, and offering specialty financing solutions through its equipment leasing division. By leveraging a community banking model, CF Bankshares focuses on delivering personalized service and local decision-making to its customers.

In addition to traditional deposit and lending products, CF Bankshares offers mortgage banking services, treasury management solutions and wealth management advisory services. Its mortgage division assists consumers with home purchase, refinancing and home equity financing, while its treasury management team provides cash management, merchant services and online banking capabilities. The company’s asset-based and equipment leasing arm supports small- and medium-sized enterprises with tailored financing arrangements for machinery, vehicles and technology investments.

Headquartered in Winter Park, Florida, CF Bankshares serves clients across Central and Southwest Florida, with branch locations in Orlando, Tampa Bay, Palm Beach and Fort Myers. The company has developed a strong regional presence through community outreach, sponsorship of local events and participation in economic development initiatives. It also maintains digital banking platforms to meet the evolving needs of tech-savvy consumers and businesses, ensuring access to account information, mobile deposits and electronic payments.

Founded in the mid-1970s, CF Bankshares has grown steadily through organic expansion and strategic acquisitions, reinforcing its commitment to community banking values. The company’s executive leadership team is led by President and Chief Executive Officer Mark D. Collins, who brings extensive industry experience to the role. Under his guidance, CF Bankshares continues to focus on prudent risk management, community engagement and sustainable growth to serve its stakeholders.

Key Stats

• Today's Range: $23.76 to $24.03
• 50-Day Range: $23.30 to $24.20
• 52-Week Range: $19.22 to $31.17
• Volume: 12,157 shs
• Average Volume: 17,531 shs
• Market Capitalization: $124.86 million
• P/E Ratio: 10.54
• Dividend Yield: 1.34%
• Price Target: $29.00
• Consensus Rating: Buy

CF Bankshares Stock Analysis - MarketRank™

CF Bankshares scored higher than 67% of companies evaluated by MarketBeat, and ranked 460th out of 933 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: 2.5 / 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.

Amount of Analyst Coverage

CF Bankshares has only been the subject of 1 research reports 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 10.54, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of CF Bankshares is 10.54, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

CF Bankshares has a P/B Ratio of 0.73. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

2.28% 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 3.1, 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 552.85%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

CF Bankshares pays a meaningful dividend of 1.34%, 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 14.10%. 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

2.28% 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 3.1, 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 552.85%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

CF Bankshares has a news sentiment score of 1.89. 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 0.91 average news sentiment score of Finance companies.

Company Ownership

• Score: 2.5 / 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

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 on January 1st, 2025. Since then, CFBK shares have decreased by 6.3% and is now trading at $23.92.

How were CF Bankshares' earnings last quarter?

CF Bankshares Inc. (NASDAQ:CFBK) released its quarterly earnings data on Tuesday, May, 6th. The savings and loans company reported $0.68 EPS for the quarter. CF Bankshares had a trailing twelve-month return on equity of 8.71% and a net margin of 11.67%.

When did CF Bankshares' stock split?

CF Bankshares shares 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.

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 4/22 Dividend: 4/14/2025
• Ex-Dividend for 4/22 Dividend: 4/14/2025
• Dividend Payable: 4/22/2025
• Last Earnings: 5/06/2025
• Record date for 7/21 Dividend: 7/11/2025
• Ex-Dividend for 7/21 Dividend: 7/11/2025
• Today: 7/18/2025
• Dividend Payable: 7/21/2025
• Next Earnings (Estimated): 8/05/2025
• 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: +21.2%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.27
• Trailing P/E Ratio: 10.54
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $13.39 million
• Net Margins: 11.67%
• Pretax Margin: 14.48%
• Return on Equity: 8.71%
• Return on Assets: 0.70%

Debt

• Debt-to-Equity Ratio: 0.62
• Current Ratio: 1.13
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $123.56 million
• Price / Sales: 1.01
• Cash Flow: $2.44 per share
• Price / Cash Flow: 9.79
• Book Value: $32.86 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 5,220,000
• Free Float: 4,124,000
• Market Cap: $124.86 million
• Optionable: Not Optionable
• Beta: 0.41