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CF Bankshares Inc

CF Bankshares Inc

CFBK · NASDAQ · Financial Services / Banks - Regional

35.39USD+0.07 (+0.20%)

Price History

Full chart

Market Stats

Previous Close35.32
Open35.32
Day Range35.03 – 35.43
52-Week Range21.90 – 38.11
Volume46.32K
Market Cap221.45M
P/E (TTM)11.64
Forward P/E7.86
EPS2.93
Dividend Yield1.06%
Beta0.38
50-Day Avg34.86
200-Day Avg30.30

About

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, it provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, the company offers online and internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is headquartered in Columbus, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Timothy T. O'Dell
  • Employees98
  • Headquarters4960 East Dublin Granville Road, Columbus, OH, United States, 43081, USA
  • Websitehttps://www.cf.bank

Leadership

  • Mr. Timothy T. O'DellPresident, CEO & Director · b. 1953
  • Mr. Kevin J. BeermanExecutive VP & CFO · b. 1973
  • Ms. Marianne N. McKinneyExecutive VP & Chief Operating Officer of CFBank · b. 1975
  • Mr. Timothy MederExecutive VP & Chief Credit Officer of CFBank · b. 1965
  • Mr. Matt TuoheyMarket President of Northeast Ohio Region-Greater Cleveland
  • Mr. John WilgusSenior Vice President
  • Mr. Gregory PerelkaPresident of Residential Mortgage Lending
  • Ms. Barbara PykeCorporate Secretary

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue9.10M9.60M10.13M9.77M7.68M6.37M6.68M9.56M8.53M18.25M17.59M15.62M14.33M10.70M8.14M8.19M12.02M13.55M15.45M17.78M27.49M46.59M102.08M63.64M70.28M111.69M122.16M125.90M
Growth (%)-+5.49%+5.50%-3.52%-21.39%-17.14%+4.96%+43.05%-10.73%+113.91%-3.65%-11.20%-8.24%-25.34%-23.95%+0.65%+46.79%+12.69%+14.02%+15.12%+54.59%+69.51%+119.08%-37.66%+10.44%+58.92%+9.38%+3.06%
Cost of Revenue5.20M4.70M5.80M5.36M3.48M3.62M2.79M4.40M7.71M10.33M8.85M15.88M12.65M6.85M3.76M2.61M2.17M2.86M3.33M3.53M7.00M13.40M25.49M8.71M19.76M62.96M78.48M73.22M
Gross Profit3.90M4.90M4.33M4.41M4.20M2.74M3.89M5.16M823.00K7.92M8.73M-260.00K1.68M3.85M4.37M5.58M9.85M10.69M12.12M14.25M20.49M33.19M76.58M54.93M50.52M48.73M43.68M52.69M
Gross Margin42.86%51.04%42.71%45.14%54.69%43.08%58.16%53.99%9.65%43.38%49.66%-1.67%11.70%35.94%53.76%68.14%81.97%78.90%78.47%80.12%74.54%71.23%75.03%86.31%71.88%43.63%35.76%41.85%
Operating Expense3.60M03.90M3.50M3.21M6.10M6.42M8.83M904.00K8.00M7.75M8.05M8.35M9.27M8.14M6.50M9.38M9.40M9.68M10.79M15.16M21.15M40.30M32.11M27.93M27.75M27.54M31.16M
Operating Income300.00K4.90M426.00K910.00K987.00K-3.36M-2.53M-3.67M-81.00K-80.00K984.00K-8.31M-6.67M-5.42M-3.77M-918.00K479.00K1.28M2.44M3.46M5.33M12.04M36.28M22.82M22.59M20.98M16.14M21.53M
Operating Margin3.30%51.04%4.21%9.31%12.85%-52.82%-37.93%-38.37%-0.95%-0.44%5.60%-53.24%-46.57%-50.71%-46.29%-11.21%3.98%9.48%15.78%19.47%19.39%25.84%35.55%35.86%32.15%18.79%13.22%17.10%
EBITDA500.00K200.00K567.00K975.00K1.07M-3.19M-2.00M-3.21M323.00K418.00K1.61M-7.87M-6.16M-5.04M-3.53M-713.00K711.00K1.50M2.65M3.67M5.58M12.36M36.66M23.25M23.09M21.55M16.63M22.00M
EBITDA Margin5.49%2.08%5.60%9.98%13.99%-50.13%-29.86%-33.59%3.79%2.29%9.17%-50.39%-43.02%-47.12%-43.38%-8.71%5.91%11.04%17.14%20.64%20.29%26.52%35.92%36.54%32.85%19.30%13.61%17.48%
Net Income200.00K-276.00K598.00K674.00K-2.37M-1.66M-3.29M-37.00K-17.00K723.00K-9.89M-6.87M-5.42M-3.77M-918.00K479.00K4.48M1.63M1.35M4.27M9.60M29.61M18.45M18.16M16.94M13.39M17.00M
Net Income Margin2.20%-2.73%6.12%8.77%-37.30%-24.88%-34.43%-0.43%-0.09%4.11%-63.34%-47.95%-50.71%-46.29%-11.21%3.98%33.05%10.53%7.57%15.55%20.61%29.01%29.00%25.85%15.16%10.96%13.50%
R&D-------------000-0000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%-0.00%0.00%0.00%0.00%-------
Interest Expense5.00M4.70M5.80M5.30M3.46M3.52M2.15M3.72M6.89M9.79M7.93M5.95M4.18M3.48M2.63M2.11M1.89M2.61M3.10M3.53M7.00M13.40M14.58M10.31M18.97M60.64M71.75M64.97M
Interest Expense % of Total Revenue54.95%48.96%57.29%54.23%45.07%55.32%32.17%38.96%80.74%53.67%45.12%38.09%29.19%32.51%32.36%25.80%15.71%19.25%20.05%19.88%25.46%28.77%14.28%16.20%27.00%54.29%58.73%51.60%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets133.40M142.50M140.93M120.93M110.52M107.01M171.00M173.02M233.98M277.59M277.78M273.74M275.23M250.92M215.03M255.75M315.59M351.29M436.11M481.43M665.02M880.54M1.48B1.50B1.82B2.06B2.07B2.12B
Total Liabilities101.60M113.30M123.10M102.77M92.94M87.16M151.50M156.94M204.90M250.21M244.71M250.51M259.24M240.98M191.39M232.88M281.08M312.98M396.82M441.16M619.47M799.88M1.37B1.37B1.68B1.90B1.90B1.93B
Total Equity31.80M29.20M17.83M18.16M17.58M19.86M19.51M16.08M29.09M27.38M33.08M23.23M15.99M9.94M23.64M22.86M34.51M38.31M39.29M40.26M45.56M80.66M110.21M125.33M139.25M155.37M168.44M184.43M
Cash26.00M4.90M9.93M11.39M20.08M10.72M32.67M2.97M5.40M3.89M4.18M2.97M34.27M63.42M27.88M21.14M28.70M25.89M57.67M45.60M67.40M45.98M221.69M166.69M151.89M261.69M235.37M258.97M
Total Debt16.00M36.40M47.54M25.39M11.43M12.65M48.57M28.15M37.67M54.60M34.20M37.16M29.10M20.90M15.15M21.68M19.66M19.66M18.66M18.66M34.27M45.78M230.80M106.64M125.82M130.26M113.91M121.88M
Net Debt-10.00M31.50M37.61M14.01M-8.64M1.94M15.90M25.18M32.27M50.71M30.03M34.19M-5.18M-42.52M-12.72M539.00K-9.05M-6.24M-39.39M-26.94M-33.14M-196.00K9.11M-60.05M-26.07M-131.44M-121.46M-137.09M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow800.00K-1.11M-7.30M8.83M-3.40M-1.53M-1.39M1.24M3.42M1.91M-2.53M3.05M481.00K-960.00K-4.13M1.05M5.10M1.79M3.95M-11.81M-103.54M-123.47M253.30M39.76M18.05M14.19M18.69M
Investing Cash Flow4.50M-29.90M-138.00K29.34M11.92M1.91M-37.16M-33.21M-61.46M-46.31M804.00K-4.43M20.31M45.35M-3.26M-43.46M-50.92M-39.05M-52.60M-59.38M-143.77M-111.40M-259.75M-316.73M-353.32M-121.85M-32.99M-25.04M
Financing Cash Flow14.80M8.90M-2.97M-20.58M-12.25M-2.44M62.42M4.89M62.66M41.38M-2.43M5.75M7.95M-18.67M-32.06M41.60M58.91M31.63M82.85M42.98M177.38M193.51M558.93M8.42M298.75M213.61M-7.52M30.05M
Capital Expenditure800.00K100.00K010.00K102.00K1.33M1.03M662.00K1.68M2.27M212.00K40.00K56.00K69.00K24.00K341.00K461.00K45.00K47.00K312.00K612.00K443.00K385.00K2.96M905.00K661.00K266.00K487.00K
Free Cash Flow--100.00K1.11M-7.31M8.73M-4.72M-2.56M-2.05M-443.00K1.15M1.70M-2.57M2.99M412.00K-984.00K-4.47M594.00K5.06M1.75M3.64M-12.42M-103.98M-123.85M250.34M38.86M17.39M13.92M18.20M
Dividends Paid-200.00K440.00K482.00K551.00K655.00K735.00K801.00K1.43M1.40M860.00K546.00K271.00K043.62M0233.00K750.00K750.00K750.00K195.00K948.50M195.00K848.00K1.15M1.48M1.61M1.95M
FCF to OCF--100.00%100.14%98.84%139.02%167.12%147.73%-35.87%33.65%88.89%101.58%98.16%85.65%102.50%108.25%56.30%99.12%97.38%92.10%105.18%100.43%100.31%98.83%97.72%96.34%98.13%97.39%
Dividend Paid to FCF--200.00%39.64%-6.59%6.31%-13.87%-28.74%-39.09%-322.57%121.81%50.71%-21.27%9.06%0.00%-4433.03%0.00%39.23%14.83%42.98%20.61%-1.57%-912.18%-0.16%0.34%2.97%8.49%11.59%10.70%

Earnings

Report DateApr 22, 1999Jul 20, 1999Oct 26, 1999Feb 2, 2000Apr 27, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Nov 30, 2005Feb 17, 2006Apr 21, 2006Jul 21, 2006Oct 20, 2006Feb 28, 2007May 30, 2007Aug 13, 2007Nov 28, 2007Feb 27, 2008May 14, 2008Jul 18, 2008Oct 17, 2008Feb 20, 2009Apr 23, 2009Jul 17, 2009Oct 16, 2009Mar 3, 2010Apr 16, 2010Aug 17, 2010Nov 15, 2010Mar 2, 2011Apr 15, 2011Aug 16, 2011Nov 14, 2011Feb 29, 2012Apr 13, 2012Aug 14, 2012Nov 14, 2012May 15, 2013Aug 7, 2013Nov 8, 2013Mar 31, 2014May 15, 2014Aug 14, 2014Nov 7, 2014Feb 25, 2015May 14, 2015Aug 5, 2015Nov 6, 2015Mar 2, 2016May 19, 2016Aug 10, 2016Nov 11, 2016Feb 21, 2017May 8, 2017Jul 26, 2017Oct 23, 2017Feb 27, 2018May 8, 2018Aug 1, 2018Nov 2, 2018Feb 19, 2019Apr 24, 2019Aug 12, 2019Oct 28, 2019Feb 4, 2020May 6, 2020Jul 28, 2020Oct 26, 2020Feb 2, 2021May 4, 2021Aug 4, 2021Oct 27, 2021Feb 7, 2022May 5, 2022Aug 3, 2022Nov 7, 2022Feb 7, 2023May 10, 2023Aug 3, 2023Nov 8, 2023Feb 7, 2024May 7, 2024Aug 6, 2024Oct 30, 2024Feb 5, 2025May 5, 2025Aug 4, 2025Nov 3, 2025Feb 5, 2026May 5, 2026Jul 28, 2026Nov 2, 2026
EPS Estimate4.134.403.033.032.48----------------------7.70-0.55-0.550.55-----------------------------------------------------1.530.601.000.940.510.360.710.730.680.720.740.660.610.560.550.500.540.570.61-0.720.840.760.810.890.91
EPS Actual3.033.033.032.753.583.102.412.052.724.840.823.592.452.043.53-20.230.76-0.46-17.24-3.62-3.91-9.06-5.60-3.63-3.37-25.76-8.25-1.370.040.550.530.520.51-3.011.850.771.381.930.28-2.20-5.77-45.55-15.43-1.32-37.95-2.24-7.26-12.11-13.48-3.61-9.79-28.30-5.292.11-0.28-0.19-0.130.29-0.070.010.040.040.010.090.040.980.040.070.100.060.010.020.020.030.030.050.240.330.390.550.590.590.301.531.541.110.960.520.380.680.690.720.800.740.680.660.620.650.470.260.650.680.680.770.360.880.770.90-
Surprise-26.63%-31.14%0.00%-9.24%44.35%----------------------7.14%-149.09%106.64%0.00%-----------------------------------------------------0.00%156.67%11.00%2.13%1.96%5.56%-4.23%-5.48%5.88%11.11%0.00%3.03%8.20%10.71%18.18%-5.22%-51.43%13.32%10.69%-6.94%-57.14%15.79%-4.94%1.12%-
Timing----------------------------After-hoursAfter-hours------Pre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hours-----------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market-

Key Statistics & Ratios

Market Cap221.45M
Enterprise Value88.45M
Trailing P/E11.64
Forward P/E7.86
PEG Ratio0.00
Price / Sales4.04
Price / Book1.13
EPS2.93
Book Value29.93
Revenue (TTM)54.82M
Gross Profit (TTM)54.82M
Profit Margin34.68%
Operating Margin49.36%
Return on Equity10.24%
Return on Assets0.88%
Shares Outstanding6.42M
Shares Float5.37M
Beta0.38
Dividend Yield1.06%
Dividend Rate0.36
Payout Ratio12.03%

Analyst Ratings

Hold
Based on 1 analystsTarget 40.00
  • Hold
    1

Ownership Breakdown

Institutions
63.23%
Insiders
17.07%
Retail / Other
19.70%

Top Institutional Holders

  • BlackRock Inc
    310.31K4.78%
  • AllianceBernstein L.P.
    240.56K3.71%
  • Vanguard Capital Management, LLC
    202.00K3.11%
  • First Manhattan Co. LLC
    187.02K2.88%
  • Two Sigma Investments LLC
    171.29K2.64%
  • Fourthstone LLC
    159.82K2.46%
  • Daytona Street Capital LLC
    151.39K2.33%
  • Rhino Investment Partners, Inc.
    125.38K1.93%
  • Acadian Asset Management LLC
    124.39K1.92%
  • Dimensional Fund Advisors, Inc.
    123.25K1.90%
  • Fifth Third Bancorp
    114.91K1.77%
  • Geode Capital Management, LLC
    107.01K1.65%
  • Citadel Advisors Llc
    104.17K1.60%
  • Renaissance Technologies Corp
    94.48K1.46%
  • American Century Companies Inc
    82.74K1.27%
  • McDonald Partners, LLC
    58.70K0.90%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    153.34K2.36%
  • iShares Russell 2000 ETF
    142.82K2.20%
  • BSF Systematic US Eq Abs Ret A2 USD
    106.22K1.64%
  • Avantis US Small Cap Value ETF
    98.58K1.52%

Dividends

20264×
0.09Oct 9, 20260.09Jul 13, 20260.09Apr 13, 20260.09Jan 15, 2026
20254×
0.08Oct 10, 20250.08Jul 11, 20250.07Apr 14, 20250.07Jan 16, 2025
20244×
0.07Oct 11, 20240.06Jul 11, 20240.06Apr 17, 20240.06Jan 12, 2024
20234×
0.06Oct 13, 20230.06Jul 20, 20230.06Apr 14, 20230.05Jan 13, 2023
20224×
0.05Oct 13, 20220.05Jul 14, 20220.04Apr 13, 20220.04Jan 20, 2022
20214×
0.04Oct 21, 20210.03Jul 21, 20210.03Apr 21, 20210.03Jan 20, 2021

Stock Splits

  • Aug 21, 2018181:1000
  • May 4, 20121:5