CFBK
CF BANKSHARES INC.
Next earnings Aug 3, 2026 · consensus $0.91 EPS, $16.6M rev
Last earnings -1.5% on 2026-05-05
$31.40
▼ -0.35%$31.40▲ +36.18%
over 1Y
L $22.27EODHDH $33.21
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-0.3%
1W+4.3%
1M+9.4%
3M+13.9%
YTD+28.9%
1Y+36.2%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Mixed signals in the latest filings.
Return on equity 9.5% · latest
The read
It screens cheap (~226% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
CF BANKSHARES INC. shows limited reported revenue, and 9.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $18.5M | $18.2M | $16.9M | $13.4M | $17.5M |
| Diluted EPS | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF9.3
PEG (trailing)0.38
Earnings yield10.4%
FCF yield10.8%
Quality & risk
ROIC (est.)—
Free cash flow$18.2M
Total debt$29.5M
Net cash$230M
Piotroski F-Score4/6
Capital returns
Buyback yield—
Dividend yield (est.)1.2%
Shareholder yield1.2%
Shares Δ YoY+22.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-112026-06-15open ↗8-KPeriod ending 2026-05-272026-05-28open ↗8-KPeriod ending 2026-05-272026-05-27open ↗4Period ending 2026-05-212026-05-22open ↗SCHEDULE 13G/AFiling2026-05-18open ↗10-QPeriod ending 2026-03-312026-05-11open ↗8-KPeriod ending 2026-05-052026-05-05open ↗4Period ending 2026-04-112026-04-24open ↗8-KPeriod ending 2026-04-242026-04-24open ↗DEF 14APeriod ending 2026-04-232026-04-23open ↗4Period ending 2026-04-112026-04-17open ↗4Period ending 2026-04-112026-04-17open ↗
Frequently asked
- Is CF BANKSHARES INC. (CFBK) a buy?
- CFBK currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is CFBK's fair value?
- A Modified-Graham model based on CFBK's SEC fundamentals estimates a fair value of about $102.22. It is an estimate from reported earnings, not a price target.
- Is CFBK overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CFBK currently appears undervalued relative to its SEC-grounded earnings power.
- What is CF BANKSHARES INC.'s quality score?
- CFBK scores 80.76470588235294/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001070680, latest 10-Q filed 2026-05-11) · EODHD · as of 6/26/2026, 7:22:30 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.