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CF Bankshares Inc. logo

CF Bankshares Inc.

CFBK

NASDAQFinancial ServicesBanks - Regional

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Previous close

$34.60

+$0.08 · +0.23%

Aug 21, 4:00 PM ETData delayed

CFBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

89

Deep Value

Momentum

51

Neutral

Sentiment

50

Mixed

Risk resilience

76

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

As the parent company for CFBank, National Association, CF Bankshares Inc. provides a broad spectrum of banking products and services throughout the United States. Its offerings encompass various deposit accounts, including savings, retail and business checking, money market accounts, and certificates of deposit. The bank also facilitates a range of loans such as single-family mortgages, commercial real estate and multi-family residential mortgages, commercial loans, and construction and land loans. Furthermore, it provides consumer credit options like home equity lines, home improvement loans, and loans secured by deposits, along with other purchased loans. Customers can access modern conveniences such as internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, the company operated five branch offices situated in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio, in addition to a loan production office in Franklin County, Ohio. Founded in 1892, the company was formerly named Central Federal Corporation before adopting its current name, CF Bankshares Inc., in July 2020, and is headquartered in Worthington, Ohio.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Timothy T. O'Dell
Listed since
Dec 30, 1998
Employees
98

Market position

Day range

Current $34.60

52-week range

Current $34.60

Open
$34.90
Previous close
$34.52
Volume
124.61K
2.04× average
Average volume
60.97K
Average daily volume
Market cap
222.62M USD
Beta
0.39
Market reference 1
50-day average
$33.2594
+4.03% above average
200-day average
$29.0203
+19.23% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
19.85M USD
P/E (TTM)
11.91×
P/B (TTM)
1.13×
P/S (TTM)
1.79×
EV / EBITDA
0.9×
Earnings yield
10.83%
Free cash flow yield
11.60%
Dividend yield
1.01%

Profitability & efficiency

Gross margin
43.79%
Operating margin
18.20%
Net margin
15.10%
Return on equity
9.22%
Return on assets
0.80%
Return on invested capital
0.83%

Financial health

Debt / equity
0.62×
Current ratio
15.31×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends94%64%34%3%Gross margin, FY2021: 86.31%Gross margin, FY2022: 71.88%Gross margin, FY2023: 43.63%Gross margin, FY2024: 35.76%Gross margin, FY2025: 41.85%Operating margin, FY2021: 35.86%Operating margin, FY2022: 32.15%Operating margin, FY2023: 18.79%Operating margin, FY2024: 13.22%Operating margin, FY2025: 17.10%Net margin, FY2021: 29.00%Net margin, FY2022: 25.85%Net margin, FY2023: 15.16%Net margin, FY2024: 10.96%Net margin, FY2025: 13.50%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 86.31%. Gross margin FY2022 71.88%. Gross margin FY2023 43.63%. Gross margin FY2024 35.76%. Gross margin FY2025 41.85%. Operating margin FY2021 35.86%. Operating margin FY2022 32.15%. Operating margin FY2023 18.79%. Operating margin FY2024 13.22%. Operating margin FY2025 17.10%. Net margin FY2021 29.00%. Net margin FY2022 25.85%. Net margin FY2023 15.16%. Net margin FY2024 10.96%. Net margin FY2025 13.50%.

Income trends

Revenue

125.9M USD+3.06%

Operating income

21.53M USD+33.34%

Net income

17M USD+27.00%
Income trends across reported periods137.16M USD92.15M USD47.14M USD2.14M USDRevenue, FY2021: 63.64M USDRevenue, FY2022: 70.28M USDRevenue, FY2023: 111.69M USDRevenue, FY2024: 122.16M USDRevenue, FY2025: 125.9M USDOperating income, FY2021: 22.82M USDOperating income, FY2022: 22.59M USDOperating income, FY2023: 20.99M USDOperating income, FY2024: 16.14M USDOperating income, FY2025: 21.53M USDNet income, FY2021: 18.45M USDNet income, FY2022: 18.16M USDNet income, FY2023: 16.94M USDNet income, FY2024: 13.39M USDNet income, FY2025: 17M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 63.64M USD. Revenue FY2022 70.28M USD. Revenue FY2023 111.69M USD. Revenue FY2024 122.16M USD. Revenue FY2025 125.9M USD. Operating income FY2021 22.82M USD. Operating income FY2022 22.59M USD. Operating income FY2023 20.99M USD. Operating income FY2024 16.14M USD. Operating income FY2025 21.53M USD. Net income FY2021 18.45M USD. Net income FY2022 18.16M USD. Net income FY2023 16.94M USD. Net income FY2024 13.39M USD. Net income FY2025 17M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue125.9M USD122.16M USD111.69M USD70.28M USD63.64M USD
Cost of goods sold73.22M USD78.48M USD62.96M USD19.76M USD8.71M USD
Gross profit52.69M USD43.68M USD48.74M USD50.52M USD54.93M USD
Selling, general, and administrative3.58M USD17.16M USD17.93M USD17.5M USD22.03M USD
Operating expenses31.16M USD27.54M USD27.75M USD27.93M USD32.11M USD
Interest income120M USD117.71M USD107.69M USD67.42M USD52.11M USD
Interest expense64.97M USD71.75M USD60.64M USD18.97M USD10.31M USD
Depreciation and amortization476K USD486K USD567K USD496K USD435K USD
Operating income21.53M USD16.14M USD20.99M USD22.59M USD22.82M USD
Net income17M USD13.39M USD16.94M USD18.16M USD18.45M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
60%
6 beats, 4 misses, 0 met estimates
Average EPS surprise
-4.56%
10 comparable reports
Latest EPS result
0.9
Estimate 0.89 · Beat by 1.12%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.950.740.530.32Q1 '25BeatQ2 '25No estimateQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 0.68, estimate 0.61, surprise +11.48%, Beat. Q2 2025, reported May 6, 2025: actual 0.68, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 0.77, estimate 0.72, surprise +6.94%, Beat. Q4 2025, reported Nov 3, 2025: actual 0.36, estimate 0.84, surprise -57.14%, Miss. Q1 2026, reported Feb 5, 2026: actual 0.88, estimate 0.76, surprise +15.79%, Beat. Q2 2026, reported May 5, 2026: actual 0.77, estimate 0.81, surprise -4.94%, Miss. Q3 2026, reported Jul 28, 2026: actual 0.9, estimate 0.89, surprise +1.12%, Beat. Q4 2026, reported Nov 2, 2026: actual —, estimate 0.91, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates31.41M25M18.6M12.19MQ1 '25MissQ2 '25No estimateQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 13.52M USD, estimate 14.6M USD, surprise -7.41%, Miss. Q2 2025, reported May 6, 2025: actual 30.08M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 15.39M USD, estimate 15.88M USD, surprise -3.12%, Miss. Q4 2025, reported Nov 3, 2025: actual 15.31M USD, estimate 15.94M USD, surprise -3.95%, Miss. Q1 2026, reported Feb 5, 2026: actual 15.75M USD, estimate 16.19M USD, surprise -2.72%, Miss. Q2 2026, reported May 5, 2026: actual 14.81M USD, estimate 16.4M USD, surprise -9.71%, Miss. Q3 2026, reported Jul 28, 2026: actual 16.55M USD, estimate 16.3M USD, surprise +1.50%, Beat. Q4 2026, reported Nov 2, 2026: actual —, estimate 16.8M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$40.00

15.61% upside
Past 12 months12-month forecastHigh $40.00Average $40.00Low $40.00

CFBK news

zacks.com

CF Bankshares Inc. (CFBK) Beats Q2 Earnings and Revenue Estimates

CF Bankshares Inc. (CFBK) came out with quarterly earnings of $0.9 per share, beating the Zacks Consensus Estimate of $0.89 per share. This compares to earnings of $0.77 per share a year ago.

Read source
prnewswire.com

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2026.

COLUMBUS, Ohio, July 28, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the second quarter ended June…

Read source
seekingalpha.com

Dividend Champion, Contender, And Challenger Highlights: Week Of July 19

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies that changed their dividends. Companies with upcoming ex-dividend dates.

Read source
prnewswire.com

CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND

COLUMBUS, Ohio, July 1, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared a $0.09 per share quarterly…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.30

2025 complete year+130.8% since 2021

2026 partial: $0.27

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 13, 2026

$0.09

Quarterly

Record Jul 13, 2026 · Payment Jul 21, 2026

Dividend

Ex-dividend Apr 13, 2026

$0.09

Quarterly

Record Apr 13, 2026 · Payment Apr 21, 2026

Dividend

Ex-dividend Jan 15, 2026

$0.09

Quarterly

Record Jan 15, 2026 · Payment Jan 26, 2026

Dividend

Ex-dividend Oct 10, 2025

$0.08

Quarterly

Record Oct 13, 2025 · Payment Oct 21, 2025

Dividend

Ex-dividend Jul 11, 2025

$0.08

Quarterly

Record Jul 11, 2025 · Payment Jul 21, 2025

Dividend

Ex-dividend Apr 14, 2025

$0.07

Quarterly

Record Apr 14, 2025 · Payment Apr 22, 2025

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ETFs holding CFBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
5.45M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$376.81-0.38%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
4.91M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.35-0.54%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
3.33M
Weight
0.01%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.5+0.04%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.6-0.79%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.86M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.89+0.03%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.03M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.62-0.52%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
732.24K
Weight
0.00%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$82.79-0.28%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
666.05K
Weight
0.01%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.275-0.04%

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