Reading the tape
NASDAQ: CFBK
CF Bankshares Inc.
Financial Services · Banks - Regional
Market Cap
$178.67M
52w High
$34.34
52w Low
$22.10
P/E
10.14
Volume
13.69K
Outstanding Shares
6.43M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 16.29%Revenue (TTM): 2.48%FCF (TTM): 29.52%P/FCF: 58th pct
What changed
The stock rose 16.29% over the last year. Revenue grew 2.48% over the trailing twelve months. Operating margin moved from 13.22% to 17.19%. Free cash flow grew 29.52% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 58th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 17.19%. Revenue grew 2.48% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States.
CEOTimothy T. O'Dell
SectorFinancial Services
IndustryBanks - Regional
Employees102
IPO dateDec 30, 1998
Valuation
Forward P/E—
EV/EBITDA0.92
Enterprise value$19.85M
Price / Book0.97
Stock splits
Aug 21, 2018↓ Reverse
Every 1000 shares became 181
May 4, 2012↓ Reverse
Every 5 shares became 1
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Income growth20.07%
Gross marginN/A
Operating margin40.86%▲10.56%vs FY2024
ROE9.22%▲15.99%vs FY2024
Analyst consensus
RatingBuy
Target price$29.00▲4.43%
1
Buy
0
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 5, 2026
Q2 FY26 · EPS est $0.81 · Revenue est $16.4M
View
Dividends
$0.34/shareQuarterly4yr growth streakCFBK pays a dividend with a 1.22% dividend yield, 4 consecutive years of growth.
Dividend Yield
1.22%
Annual Div / Share
$0.34
5yr CAGR
-25.4%
Dividend has been cut
Payout Ratio
11.32%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+17.42%
5yr CAGR
-25.4%
10yr CAGR
-14.35%
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$0.34+25.9%
2025$0.27+12.5%
2024$0.24+14.3%
2023$0.21+40.0%
2022$0.15-89.8%
2021$1.47-73.4%
2008$5.52-37.5%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$12/yr
$1/mo
In 5 yrs
$12/yr
$1/mo
In 10 yrs
$12/yr
$1/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$12/yr $1/mo | $12/yr $1/mo | $12/yr $1/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
No strong strength signal stands out from the latest period pair.
Risks to Watch
Dividend has been reduced
The 5-year dividend CAGR of -25.4% is negative, indicating the payout has been cut over this period.