CF Bankshares Inc. Logo

CF Bankshares Inc.

CFBK

(3.0)
Stock Price

22,13 USD

0.87% ROA

11.34% ROE

7.52x PER

Market Cap.

133.198.819,00 USD

86.04% DER

1.43% Yield

24.52% NPM

CF Bankshares Inc. Stock Analysis

CF Bankshares Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CF Bankshares Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.72x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past five years, consistently delivering higher returns to investors.

4 ROE

ROE in an average range (12.46%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.9%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock has a reasonable amount of debt compared to its ownership (88%), suggesting a balanced financial position and a moderate level of risk.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (59), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

CF Bankshares Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CF Bankshares Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

CF Bankshares Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CF Bankshares Inc. Revenue
Year Revenue Growth
1998 4.100.000
1999 4.900.000 16.33%
2000 4.326.000 -13.27%
2001 4.474.000 3.31%
2002 4.293.000 -4.22%
2003 2.844.000 -50.95%
2004 4.532.000 37.25%
2005 5.834.000 22.32%
2006 7.588.000 23.12%
2007 8.456.000 10.26%
2008 9.650.000 12.37%
2009 9.876.000 2.29%
2010 10.228.000 3.44%
2011 7.301.000 -40.09%
2012 5.503.000 -32.67%
2013 6.076.000 9.43%
2014 10.132.000 40.03%
2015 10.938.000 7.37%
2016 12.349.000 11.43%
2017 14.246.000 13.32%
2018 20.489.000 30.47%
2019 33.188.000 38.26%
2020 87.497.000 62.07%
2021 53.327.000 -64.08%
2022 51.306.000 -3.94%
2023 51.268.000 -0.07%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CF Bankshares Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CF Bankshares Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 2.000.000
1999 2.100.000 4.76%
2000 2.314.000 9.25%
2001 1.864.000 -24.14%
2002 1.794.000 -3.9%
2003 3.549.000 49.45%
2004 3.454.000 -2.75%
2005 3.568.000 3.2%
2006 3.788.000 5.81%
2007 4.601.000 17.67%
2008 4.058.000 -13.38%
2009 6.124.000 33.74%
2010 5.811.000 -5.39%
2011 5.820.000 0.15%
2012 4.741.000 -22.76%
2013 4.322.000 -9.69%
2014 5.081.000 14.94%
2015 5.445.000 6.69%
2016 5.524.000 1.43%
2017 6.760.000 18.28%
2018 9.183.000 26.39%
2019 12.345.000 25.61%
2020 23.329.000 47.08%
2021 18.966.000 -23%
2022 17.064.000 -11.15%
2023 16.820.000 -1.45%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CF Bankshares Inc. EBITDA
Year EBITDA Growth
1998 5.500.000
1999 5.100.000 -7.84%
2000 6.369.000 19.92%
2001 6.283.000 -1.37%
2002 4.545.000 -38.24%
2003 330.000 -1277.27%
2004 154.000 -114.29%
2005 513.000 69.98%
2006 7.212.000 92.89%
2007 10.213.000 29.38%
2008 9.547.000 -6.98%
2009 -1.922.000 596.72%
2010 -1.472.000 -30.57%
2011 -705.000 -108.79%
2012 -223.000 -216.14%
2013 1.837.000 112.14%
2014 2.789.000 34.13%
2015 4.128.000 32.44%
2016 5.678.000 27.3%
2017 7.111.000 20.15%
2018 12.534.000 43.27%
2019 12.357.000 -1.43%
2020 36.664.000 66.3%
2021 23.253.000 -57.67%
2022 42.062.000 44.72%
2023 20.640.000 -103.79%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CF Bankshares Inc. Gross Profit
Year Gross Profit Growth
1998 4.100.000
1999 4.900.000 16.33%
2000 4.326.000 -13.27%
2001 4.474.000 3.31%
2002 4.293.000 -4.22%
2003 2.844.000 -50.95%
2004 4.532.000 37.25%
2005 5.834.000 22.32%
2006 7.588.000 23.12%
2007 8.456.000 10.26%
2008 9.650.000 12.37%
2009 9.668.000 0.19%
2010 10.228.000 5.48%
2011 7.301.000 -40.09%
2012 5.503.000 -32.67%
2013 6.076.000 9.43%
2014 10.132.000 40.03%
2015 10.938.000 7.37%
2016 12.349.000 11.43%
2017 14.246.000 13.32%
2018 20.489.000 30.47%
2019 33.188.000 38.26%
2020 87.497.000 62.07%
2021 53.327.000 -64.08%
2022 51.306.000 -3.94%
2023 51.268.000 -0.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CF Bankshares Inc. Net Profit
Year Net Profit Growth
1998 200.000
1999 0 0%
2000 276.000 100%
2001 598.000 53.85%
2002 674.000 11.28%
2003 -2.374.000 128.39%
2004 -1.662.000 -42.84%
2005 -3.290.000 49.48%
2006 -37.000 -8791.89%
2007 -17.000 -117.65%
2008 723.000 102.35%
2009 -9.891.000 107.31%
2010 -6.870.000 -43.97%
2011 -5.425.000 -26.64%
2012 -3.766.000 -44.05%
2013 -918.000 -310.24%
2014 479.000 291.65%
2015 4.477.000 89.3%
2016 1.627.000 -175.17%
2017 1.346.000 -20.88%
2018 4.273.000 68.5%
2019 9.601.000 55.49%
2020 29.608.000 67.57%
2021 18.453.000 -60.45%
2022 18.164.000 -1.59%
2023 16.124.000 -12.65%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CF Bankshares Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 3
1999 0 0%
2000 5 100%
2001 10 60%
2002 12 16.67%
2003 -36 133.33%
2004 -23 -63.64%
2005 -41 45%
2006 0 0%
2007 0 0%
2008 4 100%
2009 -67 106.06%
2010 -46 -43.48%
2011 -36 -27.78%
2012 -3 -1100%
2013 0 0%
2014 0 0%
2015 1 100%
2016 0 0%
2017 0 0%
2018 1 100%
2019 2 50%
2020 5 50%
2021 3 -100%
2022 3 0%
2023 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CF Bankshares Inc. Free Cashflow
Year Free Cashflow Growth
1998 0
1999 -100.000 100%
2000 1.110.000 109.01%
2001 -7.313.000 115.18%
2002 8.727.000 183.8%
2003 -4.724.000 284.74%
2004 -2.557.000 -84.75%
2005 -2.049.000 -24.79%
2006 -171.000 -1098.25%
2007 1.151.000 114.86%
2008 1.697.000 32.17%
2009 -2.567.000 166.11%
2010 2.991.000 185.82%
2011 412.000 -625.97%
2012 -984.000 141.87%
2013 -4.475.000 78.01%
2014 594.000 853.37%
2015 5.057.000 88.25%
2016 1.745.000 -189.8%
2017 3.639.000 52.05%
2018 -12.422.000 129.29%
2019 -103.981.000 88.05%
2020 -123.850.000 16.04%
2021 250.341.000 149.47%
2022 38.859.000 -544.23%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CF Bankshares Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 800.000
1999 0 0%
2000 1.110.000 100%
2001 -7.303.000 115.2%
2002 8.829.000 182.72%
2003 -3.398.000 359.83%
2004 -1.530.000 -122.09%
2005 -1.387.000 -10.31%
2006 1.235.000 212.31%
2007 3.420.000 63.89%
2008 1.908.000 -79.25%
2009 -2.527.000 175.5%
2010 3.047.000 182.93%
2011 481.000 -533.47%
2012 -960.000 150.1%
2013 -4.134.000 76.78%
2014 1.055.000 491.85%
2015 5.102.000 79.32%
2016 1.792.000 -184.71%
2017 3.951.000 54.64%
2018 -11.810.000 133.45%
2019 -103.538.000 88.59%
2020 -123.465.000 16.14%
2021 253.303.000 148.74%
2022 39.764.000 -537.02%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CF Bankshares Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 800.000
1999 100.000 -700%
2000 0 0%
2001 10.000 100%
2002 102.000 90.2%
2003 1.326.000 92.31%
2004 1.027.000 -29.11%
2005 662.000 -55.14%
2006 1.406.000 52.92%
2007 2.269.000 38.03%
2008 211.000 -975.36%
2009 40.000 -427.5%
2010 56.000 28.57%
2011 69.000 18.84%
2012 24.000 -187.5%
2013 341.000 92.96%
2014 461.000 26.03%
2015 45.000 -924.44%
2016 47.000 4.26%
2017 312.000 84.94%
2018 612.000 49.02%
2019 443.000 -38.15%
2020 385.000 -15.06%
2021 2.962.000 87%
2022 905.000 -227.29%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CF Bankshares Inc. Equity
Year Equity Growth
1998 31.800.000
1999 29.200.000 -8.9%
2000 17.833.000 -63.74%
2001 18.160.000 1.8%
2002 17.583.000 -3.28%
2003 19.856.000 11.45%
2004 19.507.000 -1.79%
2005 16.081.000 -21.3%
2006 29.085.000 44.71%
2007 27.379.000 -6.23%
2008 33.075.000 17.22%
2009 23.227.000 -42.4%
2010 15.989.000 -45.27%
2011 9.944.000 -60.79%
2012 23.643.000 57.94%
2013 22.864.000 -3.41%
2014 34.509.000 33.74%
2015 38.312.000 9.93%
2016 39.292.000 2.49%
2017 40.261.000 2.41%
2018 45.559.000 11.63%
2019 80.664.000 43.52%
2020 110.210.000 26.81%
2021 125.330.000 12.06%
2022 139.248.000 10%
2023 151.270.000 7.95%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CF Bankshares Inc. Assets
Year Assets Growth
1998 133.400.000
1999 142.500.000 6.39%
2000 140.933.000 -1.11%
2001 120.927.000 -16.54%
2002 110.519.000 -9.42%
2003 107.011.000 -3.28%
2004 171.005.000 37.42%
2005 173.021.000 1.17%
2006 236.028.000 26.69%
2007 279.582.000 15.58%
2008 277.781.000 -0.65%
2009 273.742.000 -1.48%
2010 275.232.000 0.54%
2011 250.920.000 -9.69%
2012 215.035.000 -16.69%
2013 255.748.000 15.92%
2014 315.588.000 18.96%
2015 351.293.000 10.16%
2016 436.112.000 19.45%
2017 481.425.000 9.41%
2018 665.025.000 27.61%
2019 880.545.000 24.48%
2020 1.476.995.000 40.38%
2021 1.495.589.000 1.24%
2022 1.820.174.000 17.83%
2023 1.992.452.000 8.65%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CF Bankshares Inc. Liabilities
Year Liabilities Growth
1998 101.600.000
1999 113.300.000 10.33%
2000 123.100.000 7.96%
2001 102.767.000 -19.79%
2002 92.936.000 -10.58%
2003 87.155.000 -6.63%
2004 151.498.000 42.47%
2005 156.940.000 3.47%
2006 206.943.000 24.16%
2007 252.203.000 17.95%
2008 244.706.000 -3.06%
2009 250.515.000 2.32%
2010 259.243.000 3.37%
2011 240.976.000 -7.58%
2012 191.392.000 -25.91%
2013 232.884.000 17.82%
2014 281.079.000 17.15%
2015 312.981.000 10.19%
2016 396.820.000 21.13%
2017 441.164.000 10.05%
2018 619.466.000 28.78%
2019 799.881.000 22.56%
2020 1.366.785.000 41.48%
2021 1.370.259.000 0.25%
2022 1.680.926.000 18.48%
2023 130.154.000 -1191.49%

CF Bankshares Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.09
Net Income per Share
2.7
Price to Earning Ratio
7.52x
Price To Sales Ratio
2.56x
POCF Ratio
9.07
PFCF Ratio
9.76
Price to Book Ratio
0.86
EV to Sales
0.64
EV Over EBITDA
1.08
EV to Operating CashFlow
2.32
EV to FreeCashFlow
2.45
Earnings Yield
0.13
FreeCashFlow Yield
0.1
Market Cap
0,13 Bil.
Enterprise Value
0,03 Bil.
Graham Number
37.82
Graham NetNet
16.83

Income Statement Metrics

Net Income per Share
2.7
Income Quality
1.08
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.81
EBT Per Ebit
1.34
Ebit per Revenue
0.23
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.34
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.86
Operating Profit Margin
0.23
Pretax Profit Margin
0.3
Net Profit Margin
0.25

Dividends

Dividend Yield
0.01
Dividend Yield %
1.43
Payout Ratio
0.06
Dividend Per Share
0.29

Operating Metrics

Operating Cashflow per Share
2.24
Free CashFlow per Share
2.12
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.01
Capex to Depreciation
5.32
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.12

Balance Sheet

Cash per Share
37,07
Book Value per Share
23,53
Tangible Book Value per Share
289.66
Shareholders Equity per Share
23.53
Interest Debt per Share
28.24
Debt to Equity
0.86
Debt to Assets
0.07
Net Debt to EBITDA
-3.23
Current Ratio
0
Tangible Asset Value
1,86 Bil.
Net Current Asset Value
0,11 Bil.
Invested Capital
0.86
Working Capital
0,24 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.98

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CF Bankshares Inc. Dividends
Year Dividends Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

CF Bankshares Inc. Profile

About CF Bankshares Inc.

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio.

CEO
Mr. Timothy T. O'Dell
Employee
120
Address
7000 North High Street
Worthington, 43085

CF Bankshares Inc. Executives & BODs

CF Bankshares Inc. Executives & BODs
# Name Age
1 Mr. Kevin J. Beerman
Executive Vice President & Chief Financial Officer
70
2 Ms. Barbara Pyke
Corporate Secretary
70
3 Mr. Paul Souleyrette
Market President of Cincinnati Market
70
4 Mr. Timothy T. O'Dell
President, Chief Executive Officer & Director
70
5 David Hand
Senior Vice President of Residential Mortgage
70

CF Bankshares Inc. Competitors