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Company Analysis

CF Bankshares Inc. CFBK

A comprehensive view of key metrics, scores, and financial health for CF Bankshares Inc.

Overview of CF Bankshares Inc.

CFBK NCM
Financial Services Banks - Regional Micro Cap
CF Bankshares Inc. (CFBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $28.53, about 2.5% undervalued vs fair value, +28.8% 1Y return, ranked 683/1004 in sector.
$28.53
-1.14%
As of March 13, 2026
Previous close • Vol 90d: 28.4%
52-Week Range
Market Cap
$183.84M
Enterprise Value
$52.63M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.cf.bank
HQ Columbus, OH
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$16
$29
$55
Current: $28.53 +3% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$117.7M
9.3%%
Interest Expense
$65.0M
Net Interest Income
$46.0M
-2.3%%
Total Revenue
$125.9M
149.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.0M
15.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating CF Bankshares Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
36
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CFBK's balance between Growth (52.1%), Profitability (22.4%), and Safety (25.5%). Growth 52% Safety 26% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

74th percentile vs peers
75
Key Signals
Rev Growth YoY 1.50 93p Revenue CAGR 3Y 34.9% 88p Asset Growth YoY 2.5% 37p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.50, 93th percentile)
  • Revenue Cagr 3Y in top 20% of peers (34.9%, 88th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

32th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CF Bankshares Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.23
- - -
+2.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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