What is the rating for CFBK stock?

CF BANKSHARES INC. (CFBK) has a "Hold" rating based on our 6-factor quantitative model. It has a composite score of 54.1 and ranks #1375 out of 7,333 stocks in our coverage universe with a 3-star rating.

Is CFBK a good stock to buy?

Based on our quantitative analysis, CFBK receives a "Hold" rating with 3 out of 5 stars. Key factors include: Quality score of 31.1, Value score of 28.7, and Momentum score of 81.5. The timing score is 54, indicating "Neutral" entry conditions. This is not investment advice - please conduct your own research.

What sector is CFBK in?

CF BANKSHARES INC. (CFBK) operates in the Finance, Insurance, And Real Estate sector, specifically in the Banking industry. It has a market capitalization of $0.15 billion.

What is CFBK's P/E ratio?

CFBK has a P/E (Price-to-Earnings) ratio of 12.77x. This helps investors assess whether the stock is trading at a premium or discount relative to its earnings.

Does CFBK pay a dividend?

Yes, CFBK pays a dividend with a current yield of 1.21%.

What is CFBK's market cap?

CF BANKSHARES INC. (CFBK) has a market capitalization of $0.15 billion, making it a micro-cap stock.

What are the risks of investing in CFBK?

Key risk factors for CFBK include: elevated debt levels, and general market risk. As with all investments, there is risk of loss.

How does CFBK compare to peers?

Within the Finance, Insurance, And Real Estate sector, CFBK ranks #1375 overall with a quality score of 31.1/100 and value score of 28.7/100.

What is CFBK's revenue growth?

CFBK has revenue growth of 3.6% year-over-year.

What is CFBK's composite score?

CF BANKSHARES INC. (CFBK) has a composite score of 54.1/100, which places it at rank #1375 out of 7,333 stocks. This score is derived from our proprietary 6-factor quantitative model that evaluates quality, value, momentum, investment efficiency, stability, and short interest.

How does CFBK compare to the S&P 500?

CFBK ranks in the top 81% of all stocks in our coverage universe with a composite score of 54.1.

What are the bull and bear cases for CFBK?

Bull case: CFBK scores highest in momentum at 81.5/100, indicating strong performance in this area. Bear case: The weakest factor is value at 28.7/100, which may present a risk. Our overall assessment is Hold with 3 out of 5 stars.

Is CFBK overvalued or undervalued?

CFBK appears overvalued based on our value factor score of 28.7/100. Trading at 12.8x earnings, the stock commands a premium valuation.

What is CFBK's momentum score?

CFBK has a momentum score of 81.5/100, placing it in the strong category. This indicates strong recent price performance and institutional accumulation.

When is CFBK's next earnings date?

For the latest earnings date and analysis for CFBK, visit our earnings calendar or check the CFBK stock page for real-time updates. Our AI-generated earnings reports provide in-depth analysis after each quarterly report.

Is CFBK a good stock to buy right now?

Based on our 6-factor quantitative model, CF BANKSHARES INC. (CFBK) receives a "Hold" rating with a composite score of 54.1/100. It is ranked #1375 out of 7,333 stocks. Key factor scores: Quality 31/100, Value 29/100, Momentum 82/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for CFBK?

CF BANKSHARES INC. (CFBK) has a "Hold" rating and 3-star score. The composite score of 54.1 ranks it #1375 among 7,333 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is CFBK in?

CF BANKSHARES INC. operates in the Finance, Insurance, And Real Estate sector (Banking industry) with a market cap of $154 million. It is classified as a micro-cap stock.

Does CFBK pay a dividend?

Yes, CFBK pays a dividend with a current yield of 1.21%. The Finance, Insurance, And Real Estate sector average yield is 2.01%. For every $1,000 invested, you would receive approximately $12.10 in annual dividend income.

What is CFBK's P/E ratio?

CFBK has a trailing P/E ratio of 12.77x. The Finance, Insurance, And Real Estate sector average is 11.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is CFBK?

CFBK's quality factor score is 31/100. Gross margin: 0.0%. ROE: 8.9% vs sector average 9.0%. Margins are moderate to low, reflecting competitive market dynamics.

How is CFBK valued compared to peers?

CFBK's value factor score is 29/100 (higher = cheaper). Key multiples: P/E 12.8x, EV/EBITDA 10.2x. Trading at a premium relative to peers.

What is CFBK's debt level?

CFBK's debt-to-equity ratio is 1077%. Sector average: 1%. Elevated leverage increases credit risk.

CFBK has a beta of 0.53, meaning it is less volatile than the market. Stability score: 68/100.

Does CFBK have high short interest?

CFBK's short interest factor score is 75/100 (higher = less short selling). Very low short interest — broad institutional consensus.

CFBK Stock Analysis — CF BANKSHARES INC. Price Target & Forecast 2026

IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.

HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.

RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.

CFBK Stock Analysis — CF BANKSHARES INC. Price Target & Forecast 2026 | Blank Capital Research

Sector

Finance, Insurance, And Real Estate

Industry

Banking

Market Cap

$154M

Leadership

Timothy T. O’Dell

Business Summary

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts. As of December 31, 2021, it operated five branch offices in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio.

Operations

Headcount

130

Location

HQ Base

WORTHINGTON, Ohio

Investor Relations

Fundamental Spot Check

Context: 2025

Valuation

Market Cap

$154M

P/E Ratio

12.8xLagging

P/B Ratio

1.14xOutperforming

P/S Ratio

1.70xOutperforming

EV/EBITDA

10.2xLagging

Dividend Yield

1.21%

Efficiency & Risk

Gross Margin

0.0%

Operating Margin

16.7%Lagging

ROE

8.9%Lagging

Rev Growth (YoY)

3.6%

Debt/Equity

1077.00xLagging

Beta

0.53

Red = Sector Laggard

Black = Market Average

Revenue Breakdown

Strategic Timing Audit

CAUTION

2/6

Mixed Alignment [2 BULL / 2 BEAR]

Quantitative Factor Convergence Analysis Verified

Momentum

82th pctl

Intelligence Feed

finance.yahoo.comFeb 5 Positive

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.

CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and year ended December 31, 2025.

BenzingaJan 5 Neutral

CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 13% INCREASE IN ITS QUARTERLY CASH DIVIDEND

CF Bankshares Inc. (NASDAQ: CFBK), parent of CFBank, NA, announced a 13% increase in its quarterly cash dividend to $0.09 per share on common stock and $9.00 per share on Series D preferred stock, payable January 26, 2026. The increase reflects the company's strong performance and commitment to rewarding shareholders.

yahooFeb 9 Neutral

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As February begins, the U.S. stock market is experiencing a positive start with major indices like the Dow Jones and S&P 500 showing strong performances. This optimistic trend, coupled with evolving economic indicators such as manufacturing growth and trade developments, creates an intriguing backdrop for exploring small-cap stocks that may present unique opportunities in today's dynamic market environment.

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Earnings Call Transcripts

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Financial Intelligence Ledger

Verified SEC Filings Aggregate • CFBK

Export

Metric Entity	10Y Historical Trend	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue		$118M9.3%	$108M59.8%	$68M29.4%	$52M40.4%	$88M162.7%	$33M62.2%	$21M42.9%	$14M15.4%	$12M12.1%	$11M
Cost of Revenue		—	—	—	—	$60M411.9%	$12M331.5%	$3M265.5%	$743K36.9%	$1M12.7%	$1M
Gross Profit		—	—	—	—	$28M28.1%	$22M21.3%	$18M30.8%	$14M20.9%	$11M15.5%	$10M
R&D Expense	-	—	—	—	—	—	—	—	—	—	—
Operating Expenses		—	—	—	—	-$32M422.5%	$10M34.2%	$15M17.3%	$13M27.6%	$10M20.0%	$8M
Operating Income		$16M23.1%	$21M7.1%	$23M1.0%	$23M62.0%	$60M411.9%	$12M331.5%	$3M265.5%	$743K36.9%	$1M12.7%	$1M
Interest Expense		—	$61M219.6%	$19M84.1%	$10M29.3%	$15M8.8%	$13M91.6%	$7M98.0%	$4M14.1%	$3M18.7%	$3M
Tax Provision		$3M31.9%	$4M8.6%	$4M1.4%	$4M34.6%	$7M173.6%	$2M130.8%	$1M50.0%	$2M161.1%	$810K125.4%	-$3M
EBITDA		$16M23.1%	$21M7.1%	$23M1.0%	$23M35.1%	$35M179.6%	$13M127.1%	$6M54.8%	$4M38.5%	$3M69.9%	$2M
Net Income		$13M21.0%	$17M6.8%	$18M1.6%	$18M37.7%	$30M208.4%	$10M124.7%	$4M217.5%	$1M17.3%	$2M63.7%	$4M
EPS (Diluted)		$2.0821.2%	$2.647.0%	$2.840.0%	$2.8437.3%	$4.53121.0%	$2.05101.0%	$1.02385.7%	$0.21320.0%	$0.0578.3%	$0.23

SEC EDGAR Repository

Direct unfiltered access to 10-K, 10-Q and 8-K filings for CFBK.

Open Regulatory Dossier

Data Integrity Notice

Figures adjusted for stock splits and restatements where applicable.

TTM (Trailing Twelve Months) data updates within 48 hours of quarterly filings.

Execution Benchmarks Audit

Revenue Growth

YOY expansion rate

-66% SCTR

3.6%

Sector Avg: 10.7%

Gross Margin

Core pricing power

-100% SCTR

0.0%

Sector Avg: 77.7%

Operating Margin

Operating efficiency

-8% SCTR

16.7%

Sector Avg: 18.1%

Return on Equity

Equity efficiency

In Line

8.9%

Sector Avg: 9.0%

Debt/Equity

Financial leverage

-203108% SCTR

1077.0%

Sector Avg: 0.5%

Dividend Yield

Direct cash return

-40% SCTR

1.2%

Sector Avg: 2.0%

Financial History

Forensic Accounting Audit

Audit Required

Asset Efficiencymedium RISK

Material decline in asset turnover efficiency detected

Margin Integritymedium RISK

High margin volatility — erratic forensic earnings quality

Algorithmic red flag detection based on regulatory SEC filings.

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Dividend Yield

1.21%

Sustainable|TTM Actual

Annual Payout

$0.00B

Aggregate|Common Dividend

Payout Ratio

15%

Sustainable|Estimated

Yield Benchmark Comparison

CFBK Yield1.21%

Sector Average (Finance, Insurance, And Real Estate)2.01%

Annual Dividend History

$0.42

2020

$0.45

2021

$0.48

2022

$0.52

2023

$0.55

2024

$0.60

2025

Shareholder Calendar

Ex-Dividend DatePending

Dividend Amount$0.000

Payment DatePending

Dividend TypeCash

FrequencyQuarterly

Dates updated upon official exchange announcement.

Shareholder Returns

Capital Allocation audit

Smart Money Conviction

Neutral

Synthesized from recent 13F filings, Form 4 insider transactions, and outstanding short interest metrics.

Governance Audit

Weak Index

WeakModerateStrong

Lower quality and stability scores may indicate governance concerns. Verified against factor-based integrity benchmarks.

Executive Operations

CEO: Timothy T. O’Dell

Insider alignment Audit

No recent insider transactions available for CFBK

Major Institutional Blocks

Top 5 Holders

Institutional cap table data requires verified 13F filing feeds.

Access SEC 13F Dossier →

Form 4 Filings

Recent Activity

Insider transaction data currently awaiting regulatory verification.

Access SEC Form 4 Dossier →

Regulatory Disclosure Vault

Proxy Statement (DEF 14A)

Exec Comp, Board Nominees, Proposals

Annual Report (10-K)

MD&A, Risk Factors, Strategy

Institutional Holders (13F)

Loading institutional data...

Insider Liquidity

Short Interest Trend

0.0% FLOAT SHORT

Float Short

0.00%

Days to Cover

3.88

Total Short

74.8K

Cycle \u0394

-12.9%

Settlement History (4 Periods)

Jun 25Aug 25

Audit: Regulatory FINRA Feed \u00B7 2025-08-15Access Short Volume Feed →

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Institutional Peer Matrix

Top Finance, Insurance, And Real Estate Universe

Factor Alpha Dispersion: Value vs. Quality

Quadrant I: High Quality / Undervalued

Quadrant III: Low Quality / Expensive

X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CFBK ANALYSIS TARGET

Stock	Rating	Score▼	Quality	Value	Momentum	P/E	EV/EBITDA	ROE	ROA	Gross Mgn	Op Mgn	Net Mgn	Rev Growth	Div Yield	D/E	Mkt Cap	AUDIT
$SII SPROTT INC.		75	91	87	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$PUK PRUDENTIAL PLC		73	88	97	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$NMR NOMURA HOLDINGS INC		72	81	92	87	-	-	-	-	-	-	-	-	-	-	$0	VS
$PSLV Sprott Physical Silver Trust		69	82	80	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$UFCS UNITED FIRE GROUP INC		68	81	93	76	5.0x	3.5x	13.2%	4.1%	99.9%	14.7%	11.1%	9.2%	2.1%	16.0x	$775M	VS
$SLF SUN LIFE FINANCIAL INC		68	83	95	63	-	-	-	-	-	-	-	-	-	-	$0	VS
$CBOE Cboe Global Markets, Inc.		68	75	63	77	21.3x	15.7x	24.0%	13.7%	41.7%	32.4%	26.4%	8.2%	1.1%	30.0x	$25.7B	VS
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V.		67	69	77	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$PHYS Sprott Physical Gold Trust		67	64	82	91	-	-	-	-	-	-	-	-	-	-	$0	VS
$GLDM World Gold Trust		66	54	85	92	11.3x	11.3x	-	20.9%	100.0%	97.1%	554.8%	-19.0%	0.0%	-	$32.0B	VS
$CFBK CF BANKSHARES INC.		54	31	29	82	12.8x	10.2x	8.9%	0.8%	0.0%	16.7%	13.4%	3.6%	1.2%	1077.0x	$154M
SECTOR BENCH	-	-	-	-	-	11.9x	7.8x	9.0%	1.3%	77.7%	18.1%	21.9%	10.7%	2.0%	0.5x	-	REF

Access Full Finance, Insurance, And Real Estate Intelligence Archive →

Lateral Comparison Mesh

$CFBK / $SII AUDIT $CFBK / $PUK AUDIT $CFBK / $NMR AUDIT $CFBK / $PSLV AUDIT $CFBK / $UFCS AUDIT

Market Intelligence FAQ

CF BANKSHARES INC. (CFBK) receives a "Hold" rating with a composite score of 54.1/100. It ranks #1375 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.

Full Research Publication

Equity Research Analysis: CF BANKSHARES INC. (CFBK)

FEBRUARY 2026|Blank Capital Research Unit|Spot: $30.44

Price$30.44

Composite Score54.1/100

RatingHOLD (3★)

Rank#1375 OF 7,333

Market Cap$154M

Comments

Institutional Audit

Feb 25, 2026

CF BANKSHARES INC.

54.1

Sector Decomposition auditFinance, Insurance, And Real Estate [N=1000]

Factor	Global	Sector	Tilt
PROFITABILITY	31	42	-11DRAG
MOMENTUM	82	90	-8DRAG
VALUATION	29	22	+7ALPHA
INVESTMENT	43	83	-40DRAG
STABILITY	68	76	-8DRAG
SHORT INT	75	87	-12DRAG

Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.

Executive Summary

Our model assigns CF BANKSHARES INC. a Hold rating, with a composite score of 54.1/100 and 3 out of 5 stars. Ranked #1375 of 7,333 stocks, CFBK presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.

Business Quality

CFBK's quality score of 31/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 8.9% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 13.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.

Intrinsic Valuation

CFBK registers a value score of just 29/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 12.77x, an EV/EBITDA of 10.23x, a P/B ratio of 1.14x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.

Capital Reinvestment

With an investment score of 43/100, CFBK exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 3.6% vs. a sector average of 10.7% and a return on assets of 0.8% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.

Market Momentum

CFBK shows strong momentum characteristics with a score of 82/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 3.6% year-over-year, while a beta of 0.53 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.

Balance Sheet Health

CFBK shows good financial stability with a score of 68/100. Key stability metrics include a beta of 0.53 and a debt-to-equity ratio of 1077.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.

Institutional Risk Profile

CFBK carries a short interest score of 75/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 1077.00x), micro-cap liquidity risk. At $154M market cap (micro-cap), CF BANKSHARES INC. offers reasonable institutional liquidity.

Dividend Intelligence

CFBK offers a modest dividend yield of 1.2%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.

Sector Benchmark Analysis

CF BANKSHARES INC. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1375 of 7,333 overall (81st percentile). Key comparisons include ROE of 8.9% trailing the 9.0% sector median and operating margins of 16.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.

Comparative Research Mesh

CFBK VS S&P 500 (SPY)TOP FINANCE, INSURANCE, AND REAL ESTATE PEERS

Strategic Alternatives

While CFBK currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.

View Top Finance, Insurance, And Real Estate Alpha →

CFBK

CF BANKSHARES INC.

Business Summary

Operations

Location

Fundamental Spot Check

Valuation

Efficiency & Risk

Intelligence Feed

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.

CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 13% INCREASE IN ITS QUARTERLY CASH DIVIDEND

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Annual Dividend History

Shareholder Calendar

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Factor Alpha Dispersion: Value vs. Quality

Lateral Comparison Mesh

Comments

Unlock Performance & Technicals

SEC Risk Factors

Economic Moat Audit

Economic Value Creation

Margin Superiority

Reinvestment Efficiency

Growth Durability

Financial Resilience

Uncertainty Audit

BEAR THESIS

01Executive Summary

02Strategy & Outlook

Risk / Reward Variance

Research Verdict

Related Stocks

Executive Summary

Business Quality

Intrinsic Valuation

Capital Reinvestment

Market Momentum

Balance Sheet Health

Institutional Risk Profile

Dividend Intelligence

Sector Benchmark Analysis

Comparative Research Mesh

Strategic Alternatives

Factor Dispersion Audit

Sector Variance Findings

Market Intel

Intelligence Feed

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.

CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES 13% INCREASE IN ITS QUARTERLY CASH DIVIDEND

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