CF Bankshares (CFBK) Stock Price, News & Analysis

Company Overview

CF Bankshares Inc. is the bank holding company for CFBank, National Association, a community bank headquartered in Columbus, Ohio. Through CFBank, the company provides banking services to individuals, families, professionals and businesses, with a focus on relationship-based commercial banking.

CFBank offers deposit products, including checking, savings and money-market accounts, certificates of deposit and other cash-management services. Its lending activities include commercial and industrial loans, commercial real estate financing, construction and development loans, residential mortgage lending, home equity products and consumer loans. The bank also provides treasury management, online and mobile banking, and other financial services designed to support business and personal banking needs.

The company serves customers primarily in Ohio, including the Columbus and Cincinnati markets, while its mortgage business may reach borrowers beyond its branch footprint. CFBank traces its history to the 19th century and has developed from a local savings institution into a full-service community bank. Its operations are conducted through CFBank, National Association, under the leadership of its executive management team and board of directors.

Key Stats

• Today's Range: $34.01 to $34.99
• 50-Day Range: $33.88 to $36.31
• 52-Week Range: $22.10 to $38.11
• Volume: 49,263 shs
• Average Volume: 35,740 shs
• Market Capitalization: $220.98 million
• P/E Ratio: 11.83
• Dividend Yield: 1.05%
• Price Target: $40.00
• Consensus Rating: Moderate Buy

CF Bankshares Stock Analysis - MarketRank™

CF Bankshares scored higher than 90% of companies evaluated by MarketBeat, and ranked 183rd out of 839 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: 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 16.2% upside from its current price of $34.42.

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 11.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of CF Bankshares is 11.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.42.

Price to Book Value per Share Ratio

CF Bankshares has a P/B Ratio of 1.19. 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: 2.7 / 5
• News Sentiment: 0.32

News Sentiment

CF Bankshares has a news sentiment score of 0.32. 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 lower news sentiment than the 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 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: 10/04/2026
• Ex-Dividend for 10/20 Dividend: 10/09/2026
• Record date for 10/20 Dividend: 10/12/2026
• Dividend Payable: 10/20/2026
• 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: +16.2%
• 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: 11.83
• Forward P/E Ratio: 9.67
• 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: 1.75
• Cash Flow: $2.51 per share
• Price / Cash Flow: 13.74
• Book Value: $28.97 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 6,420,000
• Free Float: 5,280,000
• Market Cap: $220.98 million
• Optionable: Not Optionable
• Beta: 0.43