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CF BANKSHARES INC (CFBK) Stock Fundamental Analysis

NASDAQ:CFBK - Nasdaq - US12520L1098 - Common Stock - Currency: USD

23.64  -0.58 (-2.39%)

Fundamental Rating

3

Overall CFBK gets a fundamental rating of 3 out of 10. We evaluated CFBK against 405 industry peers in the Banks industry. CFBK has a bad profitability rating. Also its financial health evaluation is rather negative. CFBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CFBK was profitable.
CFBK had a positive operating cash flow in the past year.
CFBK had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: CFBK reported negative operating cash flow in multiple years.
CFBK Yearly Net Income VS EBIT VS OCF VS FCFCFBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

The Return On Assets of CFBK (0.77%) is comparable to the rest of the industry.
CFBK has a better Return On Equity (9.73%) than 67.84% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 9.73%
ROIC N/A
ROA(3y)0.82%
ROA(5y)1.11%
ROE(3y)10.56%
ROE(5y)14.24%
ROIC(3y)N/A
ROIC(5y)N/A
CFBK Yearly ROA, ROE, ROICCFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 25.40%, CFBK is in the better half of the industry, outperforming 65.08% of the companies in the same industry.
In the last couple of years the Profit Margin of CFBK has declined.
The Operating Margin and Gross Margin are not available for CFBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.9%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
CFBK Yearly Profit, Operating, Gross MarginsCFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

CFBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFBK has been reduced compared to 1 year ago.
CFBK has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CFBK has an improved debt to assets ratio.
CFBK Yearly Shares OutstandingCFBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
CFBK Yearly Total Debt VS Total AssetsCFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of CFBK is 5.28, which is a neutral value as it means it would take CFBK, 5.28 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CFBK (5.28) is worse than 65.08% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that CFBK is not too dependend on debt financing.
The Debt to Equity ratio of CFBK (0.30) is worse than 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 5.28
Altman-Z N/A
ROIC/WACCN/A
WACC22.43%
CFBK Yearly LT Debt VS Equity VS FCFCFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFBK Yearly Current Assets VS Current LiabilitesCFBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3. Growth

3.1 Past

CFBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.64%.
The Earnings Per Share has been growing slightly by 0.34% on average over the past years.
The Revenue has been growing slightly by 1.06% in the past year.
CFBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
EPS 1Y (TTM)-42.64%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%3.15%
Revenue 1Y (TTM)1.06%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%9.32%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CFBK Yearly Revenue VS EstimatesCFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CFBK Yearly EPS VS EstimatesCFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.31, which indicates a very decent valuation of CFBK.
87.19% of the companies in the same industry are more expensive than CFBK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CFBK to the average of the S&P500 Index (29.63), we can say CFBK is valued rather cheaply.
Industry RankSector Rank
PE 9.31
Fwd PE N/A
CFBK Price Earnings VS Forward Price EarningsCFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

CFBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 16.06
EV/EBITDA N/A
CFBK Per share dataCFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)27.43
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

CFBK has a Yearly Dividend Yield of 1.13%.
Compared to an average industry Dividend Yield of 3.18, CFBK is paying slightly less dividend.
With a Dividend Yield of 1.13, CFBK pays less dividend than the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.13%

5.2 History

The dividend of CFBK decreases each year by -3.56%.
CFBK has paid a dividend for at least 10 years, which is a reliable track record.
CFBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-3.56%
Div Incr Years4
Div Non Decr Years4
CFBK Yearly Dividends per shareCFBK Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

9.63% of the earnings are spent on dividend by CFBK. This is a low number and sustainable payout ratio.
DP9.63%
EPS Next 2YN/A
EPS Next 3YN/A
CFBK Yearly Income VS Free CF VS DividendCFBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M
CFBK Dividend Payout.CFBK Dividend Payout, showing the Payout Ratio.CFBK Dividend Payout.PayoutRetained Earnings

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CF BANKSHARES INC

NASDAQ:CFBK (2/21/2025, 8:07:28 PM)

23.64

-0.58 (-2.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-05 2025-05-05
Inst Owners28.74%
Inst Owner Change31.46%
Ins Owners20.61%
Ins Owner Change-2.31%
Market Cap151.06M
Analysts43.33
Price TargetN/A
Short Float %0.21%
Short Ratio0.34
Dividend
Industry RankSector Rank
Dividend Yield 1.13%
Yearly Dividend0.23
Dividend Growth(5Y)-3.56%
DP9.63%
Div Incr Years4
Div Non Decr Years4
Ex-Date01-16 2025-01-16 (0.07)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)35.71%
Min Revenue beat(2)-8.5%
Max Revenue beat(2)79.91%
Revenue beat(4)2
Avg Revenue beat(4)16.29%
Min Revenue beat(4)-8.5%
Max Revenue beat(4)79.91%
Revenue beat(8)3
Avg Revenue beat(8)18%
Revenue beat(12)5
Avg Revenue beat(12)10.83%
Revenue beat(16)6
Avg Revenue beat(16)5.54%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.31
Fwd PE N/A
P/S 2.4
P/FCF 16.06
P/OCF 15.89
P/B 0.92
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)2.54
EY10.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.47
FCFY6.23%
OCF(TTM)1.49
OCFY6.29%
SpS9.83
BVpS25.67
TBVpS25.67
PEG (NY)N/A
PEG (5Y)27.43
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 9.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.4%
GM N/A
FCFM 14.98%
ROA(3y)0.82%
ROA(5y)1.11%
ROE(3y)10.56%
ROE(5y)14.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.9%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 5.28
Debt/EBITDA N/A
Cap/Depr 18.59%
Cap/Sales 0.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 58.95%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC22.43%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-42.64%
EPS 3Y-9.33%
EPS 5Y0.34%
EPS Q2Q%3.15%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.06%
Revenue growth 3Y-1.17%
Revenue growth 5Y9.17%
Sales Q2Q%9.32%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-43.75%
OCF growth 3YN/A
OCF growth 5YN/A