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1. Company Snapshot

1.a. Company Description

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 well as certificates of deposit.


It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and 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.In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services.As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio.


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 based in Worthington, Ohio.

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1.b. Last Insights on CFBK

CF Bankshares Inc.'s recent performance was driven by strong Q1 2025 earnings, with net income reaching $4.4 million, or $0.68 per diluted common share. The company's quarterly cash dividend of $0.07 per share, declared on April 2, 2025, demonstrates its commitment to returning value to shareholders. Additionally, the appointment of Matt Tuohey as Market President for the Northeast Ohio (Greater Cleveland) region on May 5, 2025, brings over 30 years of experience in commercial banking and executive leadership, potentially driving growth in this key market.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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CF Bankshares Inc. (CFBK) Q3 Earnings and Revenues Lag Estimates

Nov -04

Source: zacks.com

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CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2025.

Nov -03

Source: prnewswire.com

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CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND

Oct -01

Source: prnewswire.com

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New Strong Buy Stocks for September 19th

Sep -19

Source: zacks.com

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New Strong Buy Stocks for September 2nd

Sep -02

Source: zacks.com

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New Strong Buy Stocks for August 13th

Aug -13

Source: zacks.com

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Best Value Stocks to Buy for August 13th

Aug -13

Source: zacks.com

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Cf Bankshares (CFBK) Q2 EPS Jumps 196%

Aug -04

Source: fool.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (9.00%)

6. Segments

Banking and Related Activities

Expected Growth: 9.0%

CF Bankshares Inc.'s 9.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth momentum.

7. Detailed Products

Personal Banking

CF Bankshares Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including business checking and savings accounts, credit cards, lines of credit, and commercial loans.

Wealth Management

CF Bankshares Inc. offers wealth management services, including investment management, retirement planning, and estate planning.

Mortgage Lending

The company provides mortgage lending services, including home purchase and refinance loans, construction loans, and home equity loans.

Commercial Lending

CF Bankshares Inc. offers commercial lending services, including commercial real estate loans, construction loans, and lines of credit.

Treasury Management

The company provides treasury management services, including cash management, wire transfer services, and account reconciliation.

8. CF Bankshares Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for CF Bankshares Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers is low due to the lack of concentration of buyers and the high switching costs.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium due to the moderate concentration of suppliers and the availability of alternative suppliers.

Threat Of New Entrants

The threat of new entrants is high due to the low barriers to entry and the attractiveness of the financial services industry.

Intensity Of Rivalry

The intensity of rivalry is high due to the high level of competition among existing players and the high stakes of the financial services industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 44.78%
Debt Cost 6.54%
Equity Weight 55.22%
Equity Cost 6.54%
WACC 6.54%
Leverage 81.09%

11. Quality Control: CF Bankshares Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
First Merchants

A-Score: 6.6/10

Value: 7.3

Growth: 6.1

Quality: 6.4

Yield: 7.0

Momentum: 5.0

Volatility: 7.7

1-Year Total Return ->

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Third Coast Bancshares

A-Score: 6.6/10

Value: 7.2

Growth: 9.3

Quality: 7.1

Yield: 0.0

Momentum: 9.0

Volatility: 6.7

1-Year Total Return ->

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Stock-Card
CF Bankshares

A-Score: 6.5/10

Value: 8.4

Growth: 6.9

Quality: 6.3

Yield: 2.0

Momentum: 6.5

Volatility: 9.0

1-Year Total Return ->

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Stock-Card
Veritex Holdings

A-Score: 6.3/10

Value: 5.4

Growth: 6.4

Quality: 6.4

Yield: 6.0

Momentum: 8.0

Volatility: 5.3

1-Year Total Return ->

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FS Bancorp

A-Score: 6.2/10

Value: 7.3

Growth: 7.6

Quality: 5.8

Yield: 6.0

Momentum: 3.5

Volatility: 7.3

1-Year Total Return ->

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Stock-Card
Park National

A-Score: 5.8/10

Value: 4.9

Growth: 5.6

Quality: 6.2

Yield: 6.0

Momentum: 4.0

Volatility: 8.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

23.73$

Current Price

23.73$

Potential

-0.00%

Expected Cash-Flows