CF Bankshares Inc. CFBK

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34.15 USD -0.47 -1.36%

At close · Oct 30

34.15 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
34.02 × 2
Ask
34.16 × 2
33.91 Day range 34.67
22.41 52-week range 36.31
YTD
+36.87%
1 year
+46.00%
Open
34.67
Prev close
34.62
Mkt cap
231.07M
Vol
46.66K
Avg vol
40.37K
EPS
3.47
P/E
9.84
Div yield
1.11%
More statistics
Low
33.91
High
34.67
Forward P/E
11.05
Beta
0.53
Short ratio
0.56
Inst. own
36.61%
Dividend
0.28
Ex-div date
Oct 10, 2024
Earnings
Feb 5, 2025
50-d avg
26.55
200-d avg
21.73
1y target
0.00

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Financial health

Altman Z-Score

0.30 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 4

Valuation

P/E 9.2×
FY 2016: 34.4×FY 2017: 68.8×FY 2018: 11.5×FY 2019: 6.8×FY 2020: 3.9×FY 2021: 7.2×FY 2022: 7.5×FY 2023: 7.4×FY 2024: 12.3×FY 2025: 9.2×
FY 2016 5y median 7.5× FY 2025
P/S 1.2×
FY 2016: 1.8×FY 2017: 2.8×FY 2018: 1.8×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 2.1×FY 2022: 1.9×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/B 0.9×
FY 2016: 0.7×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.6×
FY 2016: 16.1×FY 2017: 13.6×FY 2018: -4.0×FY 2019: -0.6×FY 2020: -0.9×FY 2021: 0.5×FY 2022: 3.5×FY 2023: 7.2×FY 2024: 11.5×FY 2025: 8.6×
FY 2016 5y median 7.2× FY 2025
EV/EBITDA 0.9×
FY 2016: -4.1×FY 2017: 6.1×FY 2018: 3.0×FY 2019: 5.2×FY 2020: 3.2×FY 2021: 3.2×FY 2022: 4.7×FY 2023: -0.3×FY 2024: 2.3×FY 2025: 0.9×
FY 2016 5y median 2.3× FY 2025
EV/Sales 0.2×
FY 2016: -0.7×FY 2017: 1.3×FY 2018: 0.6×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.6×FY 2023: -0.1×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
FCF Yield 11.6%
FY 2016: 6.2%FY 2017: 7.4%FY 2018: -24.9%FY 2019: -162.7%FY 2020: -116.1%FY 2021: 187.4%FY 2022: 28.7%FY 2023: 13.9%FY 2024: 8.7%FY 2025: 11.6%
FY 2016 5y median 13.9% FY 2025

Profitability

Gross Margin 41.8%
FY 2016: 78.5%FY 2017: 80.1%FY 2018: 74.5%FY 2019: 71.2%FY 2020: 75.0%FY 2021: 86.3%FY 2022: 71.9%FY 2023: 43.6%FY 2024: 35.8%FY 2025: 41.8%
FY 2016 5y median 43.6% FY 2025
Operating Margin 17.1%
FY 2016: 15.8%FY 2017: 19.5%FY 2018: 19.4%FY 2019: 25.8%FY 2020: 35.5%FY 2021: 35.9%FY 2022: 32.1%FY 2023: 18.8%FY 2024: 13.2%FY 2025: 17.1%
FY 2016 5y median 18.8% FY 2025
Net Margin 13.5%
FY 2016: 10.5%FY 2017: 7.6%FY 2018: 15.5%FY 2019: 20.6%FY 2020: 29.0%FY 2021: 29.0%FY 2022: 25.8%FY 2023: 15.2%FY 2024: 11.0%FY 2025: 13.5%
FY 2016 5y median 15.2% FY 2025
ROE 9.2%
FY 2016: 4.1%FY 2017: 3.3%FY 2018: 9.4%FY 2019: 11.9%FY 2020: 26.9%FY 2021: 14.7%FY 2022: 13.0%FY 2023: 10.9%FY 2024: 7.9%FY 2025: 9.2%
FY 2016 5y median 10.9% FY 2025
ROIC 0.8%
FY 2016: 2.8%FY 2017: 2.3%FY 2018: 5.3%FY 2019: 7.5%FY 2020: 8.7%FY 2021: 7.9%FY 2022: 6.8%FY 2023: 5.4%FY 2024: 4.3%FY 2025: 0.8%
FY 2016 5y median 5.4% FY 2025
ROA 0.8%
FY 2016: 0.4%FY 2017: 0.3%FY 2018: 0.6%FY 2019: 1.1%FY 2020: 2.0%FY 2021: 1.2%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 3.1%
FY 2016: 14.0%FY 2017: 15.1%FY 2018: 54.6%FY 2019: 69.5%FY 2020: 119.1%FY 2021: -37.7%FY 2022: 10.4%FY 2023: 58.9%FY 2024: 9.4%FY 2025: 3.1%
FY 2016 FY 2025
Operating Income 33.3%
FY 2016: 89.8%FY 2017: 42.0%FY 2018: 54.0%FY 2019: 125.9%FY 2020: 201.3%FY 2021: -37.1%FY 2022: -1.0%FY 2023: -7.1%FY 2024: -23.1%FY 2025: 33.3%
FY 2016 FY 2025
EPS (diluted) 30.6%
FY 2016: -74.5%FY 2017: -21.4%FY 2018: 354.5%FY 2019: 103.0%FY 2020: 120.2%FY 2021: -38.0%FY 2022: 0.4%FY 2023: -5.4%FY 2024: -21.7%FY 2025: 30.6%
FY 2016 FY 2025
Free Cash Flow 30.7%
FY 2016: -65.5%FY 2017: 108.5%FY 2018: -441.4%FY 2019: -737.1%FY 2020: -19.1%FY 2021: 302.1%FY 2022: -84.5%FY 2023: -55.2%FY 2024: -19.9%FY 2025: 30.7%
FY 2016 FY 2025

Financial Health

Current Ratio 15.3×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 15.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 15.3×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 15.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.8×FY 2019: 0.6×FY 2020: 2.1×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA -6.2×
FY 2016: -14.7×FY 2017: -7.3×FY 2018: -5.9×FY 2019: -0.0×FY 2020: 0.2×FY 2021: -2.6×FY 2022: -1.1×FY 2023: -6.1×FY 2024: -7.3×FY 2025: -6.2×
FY 2016 5y median -6.1× FY 2025
Interest Coverage 0.3×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 2.5×FY 2021: 2.2×FY 2022: 1.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 2.7%FY 2017: 1.5%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.2%FY 2021: 0.6%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 11.5%
FY 2016: 46.1%FY 2017: 55.7%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.7%FY 2021: 4.6%FY 2022: 6.3%FY 2023: 8.7%FY 2024: 12.1%FY 2025: 11.5%
FY 2016 5y median 8.7% FY 2025

Annual · latest fiscal year ends 2025-12-31