CFBK logo

CF BANKSHARES INC

CFBKNASDAQ
πŸ† #3644 by market capEarnings Nov 2US Equity
$600.71β–² $26.55 (+4.42%)
Simulated price
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24hβ–² 4.4%
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🏦Market Cap
$222M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+70.3%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
16.5%
Healthy
βš–οΈP/S Ratio
2.1x
Cheap
Otter Score
88
Very Good
No chart data available for CFBK.

Trading Snapshot

Day Range
$595.77 – $609.09
52-Week Range
$22.10 – $38.11
Volume
$2.42B
Avg Volume
$1.72B
Shares Outstanding
6.5M
Next Earnings
Nov 11, 2026

Fundamentals Snapshot

Annual Revenue
$126M
Last Q Revenue
$32M
P/E Ratio
11.7
P/S Ratio
2.1x
EPS (TTM)
$3.00
Dividend Yield
0.99%
Dilution (1yr)
+0.3%

Why Investors Own CFBK

  • βœ“High-growth profile β€” revenue up +38.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 58% gross margin and 12% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CFBK logo

CF BANKSHARES INC

CFBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$126Mβ–² +3.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
41.8%β–² +17.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$22Mβ–² +33.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$18Mβ–² +30.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.4Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$137Mβ–² +$16M YoY
StockOtter Β· stockotter.space

About CF BANKSHARES INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Price Target

β“˜
Average Target
$705.65
β–² +17.5% Upside
High Target$882.49
Low Target$547.41
Based on 16 analysts

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