CF Bankshares Inc. (CFBK) Stock

CF Bankshares Inc. (CFBK) is a Financials stock trading at $34.59 (as of 2026-08-21), with a market capitalization of $220.12M and a trailing P/E of 11.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

CF Bankshares Inc. is the holding company for CFBank, National Association, providing deposit accounts and lending products including residential and commercial real estate mortgages, commercial loans, construction and land loans, and consumer lending. It also offers online and mobile banking, remote deposit, and treasury management depository services to customers in the United States.

Understand CF Bankshares Inc.: how it makes money

CF Bankshares Inc. operates as a bank holding company for CFBank, National Association, taking deposits (including savings, checking, money market accounts, and CDs) and offering a range of loans, such as single-family mortgages, commercial real estate and multifamily residential mortgages, commercial loans, construction and land loans, and consumer loans.

The bank's profit model is driven by how its deposit-funded lending activities perform, with credit outcomes reflected in metrics like Nonaccrual Loans and Loans Past Due 30+ Days as a Percentage of Core Loans.

Business quality (Mixed): The reported operating margin for the latest quarter was 20.9%. Credit and delinquency indicators include Nonaccrual Loans of 0.02 USD_B and Loans Past Due 30+ Days as a Percentage of Core Loans of 0.23%, while Uninsured Deposits Percentage was 31.1%.

Valuation: At 11× earnings, CFBK trades 11% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Ongoing lending activity across commercial categories: New Commercial Loan Production was 0.02 USD_B for the latest quarter.
  • Limited severity signals in key delinquency/credit metrics: Nonaccrual Loans were 0.02 USD_B and Loans Past Due 30+ Days as a Percentage of Core Loans was 0.23%.

Bear case

  • Some portion of the portfolio is in problem categories: Classified and Criticized Loans were 0.23%.
  • Funding mix includes meaningful uninsured deposits exposure: Uninsured Deposits Percentage was 31.1%.
  • Delinquency can pressure credit costs and earnings: Loans Past Due More Than 30 Days were 0.01 USD_B, and Loans Past Due 30+ Days as a Percentage of Core Loans was 0.23%.
Valuation — source: SEC EDGAR (first-party)
Price$34.59
Market Cap$220.12M
P/E Ratio11.6
EV / EBITDA-1.4
Price / Book1.13
Price / Sales1.86
FCF Yield8.0%
DCF Value (model)$51.34
DCF Upside vs Price48.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$120.00M
Net Margin14.6%
Revenue Growth (YoY)-1.1%
EPS Growth (YoY)18.2%
FCF Growth (YoY)-35.8%
Valuation vs Sector & Industry
Stock P/E11.6
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-23.3%
vs Industry-10.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFourthstone LLC ($17.85M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOTimothy T. O'Dell
Employees102
CountryUS
IPO Date1998-12-30

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Ames National Corporation (ATLO)
  • LCNB Corp. (LCNB)
  • Hawthorn Bancshares, Inc. (HWBK)
  • National Bankshares, Inc. (NKSH)
  • Virginia National Bankshares Corporation (VABK)
  • Meridian Corporation (MRBK)
  • Community Bancorp (CMTV)
  • Landmark Bancorp, Inc. (LARK)
CFBK earnings history · CFBK institutional & insider holders · CFBK KPIs & operating metrics · CFBK financials · CFBK investor presentations & press releases · CFBK SEC filings · CFBK peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.