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CF Bankshares Inc. (CFBK)

Financial Services | Banks - Regional | Columbus, United States | NasdaqCM
32.08 USD +0.35 (1.087%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 32.08

Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 5:48 a.m. EDT

The stock presents a compelling value case with a forward P/E of roughly 7.5x and a price-to-book ratio near parity, suggesting the market is pricing in significant distress or stagnation. However, the recent price action tells a different story; after a massive 225% gain over the last nine years, the asset has recently rallied nearly 16% above its 200-day average, indicating that the 'value' narrative is being crowded out by momentum. While the statistical forecast models predict a modest pullback over the next 45 days, the underlying business shows resilience with 13% earnings growth and a healthy operating margin above 44%. The dividend is modest but stable, offering a floor rather than a primary driver of return. For the long term, the combination of solid profitability and a reasonable valuation warrants a buy, though the short-term outlook remains neutral due to the recent price extension and conflicting technical signals.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_105 ✓0.035128
AutoTheta0.044315
AutoETS0.045554
AutoARIMA0.045554
MSTL0.045685

Forecast horizon: 60 days | Selected: MSTL_105

Forecast Reliability
Score 53%
H-stat 1.23
Ljung-Box p 0.000
Jarque-Bera p 0.196
Excess Kurtosis -0.90
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-12
Last Dividend Date 2026-07-12
Revenue per Share 8.485
Market Cap 208,459,504
Trailing P/E 11.42
Forward P/E 7.64
Beta 0.39
Profit Margins 33.98%
Previous Name Central Federal Corporation
Website https://www.cf.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.28% 1.25% 1.41% 1.20%
Dividend History
Date Dividend Yield %
2026-07-13 0.090000 0.280549
2026-04-13 0.090000 0.306540
2026-01-15 0.090000 0.319943
2025-10-10 0.080000 0.342759
2025-07-11 0.080000 0.332917
2025-04-14 0.070000 0.344998
2025-01-16 0.070000 0.313761
2024-10-11 0.070000 0.317749
2024-07-11 0.060000 0.315126
2024-04-17 0.060000 0.323625
2024-01-12 0.060000 0.288462
2023-10-13 0.060000 0.387097
2023-07-20 0.060000 0.342270
2023-04-14 0.060000 0.321888
2023-01-13 0.050000 0.235294
2022-10-13 0.050000 0.242131
2022-07-14 0.050000 0.243665
2022-04-13 0.040000 0.190476
2022-01-20 0.040000 0.200401
2021-10-21 0.040000 0.201410
2021-07-21 0.030000 0.161725
2021-04-21 0.030000 0.153453
2021-01-20 0.030000 0.172911
2020-11-04 0.030000 0.218182
2008-12-31 1.381215 1.677852
2008-10-02 1.381215 1.470588
2008-07-02 1.381215 1.312336
2008-04-03 1.381215 1.086956
2008-01-03 1.381215 1.329787
2007-09-27 1.381215 0.912408
2007-06-28 2.486188 1.285714
2007-03-29 2.486188 1.310044
2006-12-28 2.486188 1.216216
2006-09-28 2.486188 1.115242
2006-06-29 2.486188 1.132076
2006-03-30 2.486188 1.216216
2005-12-29 2.486188 1.150895
2005-09-29 2.486188 1.039261
2005-06-30 2.486188 0.901804
2005-03-31 2.486188 0.841122
2004-12-30 2.486188 0.673149
2004-09-30 2.486188 0.697134
2004-07-01 2.486188 0.614335
2004-04-01 2.486188 0.691244
2004-01-06 2.486188 0.638298
2003-10-02 2.486188 0.638298
2003-07-02 2.486188 0.720000
2003-04-02 2.486188 0.833333
2002-12-31 2.486188 0.968784
2002-10-03 2.486188 0.972973
2002-07-03 2.486188 0.841122
2002-04-04 2.486188 0.820419
2002-01-03 2.486188 0.914634
2001-10-04 2.209945 0.940071
2001-06-28 1.933702 0.765027
2001-04-04 1.933702 0.767123
2001-01-05 1.933702 0.602151
2000-09-29 1.657459 0.657534
2000-06-28 1.657459 0.603774
2000-03-28 1.657459 0.666667
1999-12-21 1.657459 0.387097
1999-09-28 1.381215 0.465116
Additional Data
dividendRate 0.36
dividendYield 1.13
exDividendDate 2026-07-13
trailingAnnualDividendRate 0.32
trailingAnnualDividendYield 0.010083504
lastDividendValue 0.09
lastDividendDate 2026-07-13
dividendDate 2026-07-21

Info Dump

Attribute Value
52 Week Change 0.31483018
Address1 4,960 East Dublin Granville Road
Address2 Suite #400
All Time High 497.23758
All Time Low 6.077348
Ask 40.67
Ask Size 2
Audit Risk 7
Average Daily Volume10 Day 109,300
Average Daily Volume3 Month 57,711
Average Volume 57,711
Average Volume10Days 109,300
Beta 0.389
Bid 23.22
Bid Size 2
Board Risk 7
Book Value 29.072
City Columbus
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 8
Country United States
Crypto Tradeable 0
Currency USD
Current Price 32.08
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 32.27
Day Low 31.65
Display Name CF Bankshares
Dividend Date 1,784,592,000
Dividend Rate 0.36
Dividend Yield 1.13
Earnings Growth 0.132
Earnings Quarterly Growth 0.134
Earnings Timestamp 1,778,007,600
Earnings Timestamp End 1,785,783,600
Earnings Timestamp Start 1,785,783,600
Ebitda Margins 0.0
Enterprise To Revenue 1.175
Enterprise Value 62,692,496
Eps Current Year 3.62
Eps Forward 4.2
Eps Trailing Twelve Months 2.81
Esg Populated 0
Ex Dividend Date 1,783,900,800
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 29.3722
Fifty Day Average Change 2.7078018
Fifty Day Average Change Percent 0.092189275
Fifty Two Week Change Percent 31.483019
Fifty Two Week High 34.34
Fifty Two Week High Change -2.2599983
Fifty Two Week High Change Percent -0.06581242
Fifty Two Week Low 22.1
Fifty Two Week Low Change 9.980001
Fifty Two Week Low Change Percent 0.45158377
Fifty Two Week Range 22.1 - 34.34
Financial Currency USD
First Trade Date Milliseconds 915,028,200,000
Five Year Avg Dividend Yield 1.02
Float Shares 4,732,187
Forward Eps 4.2
Forward P E 7.638096
Full Exchange Name NasdaqCM
Full Time Employees 98
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 53,373,000
Has Pre Post Market Data 1
Held Percent Insiders 0.17066999
Held Percent Institutions 0.60925
Implied Shares Outstanding 6,498,114
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,783,900,800
Last Dividend Value 0.09
Last Fiscal Year End 1,767,139,200
Last Split Date 1,534,809,600
Last Split Factor 181:1000
Long Business Summary 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.
Long Name CF Bankshares Inc.
Market us_market
Market Cap 208,459,504
Market State PREPRE
Max Age 86,400
Message Board Id finmb_394694
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-13
Net Income To Common 17,576,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 206,510,062
Number Of Analyst Opinions 1
Open 31.65
Operating Cashflow 21,211,000
Operating Margins 0.44223
Overall Risk 9
Payout Ratio 0.115100004
Phone 614 334 7979
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 32.08
Post Market Time 1,783,981,117
Prev Name Central Federal Corporation
Previous Close 31.735
Price Eps Current Year 8.861879
Price Hint 2
Price To Book 1.1034673
Price To Sales Trailing12 Months 3.905711
Profit Margins 0.33978
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.345001
Regular Market Change Percent 1.08713
Regular Market Day High 32.27
Regular Market Day Low 31.65
Regular Market Day Range 31.65 - 32.27
Regular Market Open 31.65
Regular Market Previous Close 31.735
Regular Market Price 32.08
Regular Market Time 1,783,972,801
Regular Market Volume 58,121
Return On Assets 0.00855
Return On Equity 0.10029
Revenue Growth 0.05
Revenue Per Share 8.485
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 10
Shares Outstanding 6,421,414
Shares Percent Shares Out 0.008
Shares Short 52,006
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 45,569
Short Name CF Bankshares Inc.
Short Percent Of Float 0.0098
Short Ratio 0.52
Source Interval 15
State OH
Symbol CFBK
Target High Price 36.0
Target Low Price 36.0
Target Mean Price 36.0
Target Median Price 36.0
Total Cash 271,089,984
Total Cash Per Share 41.718
Total Debt 125,323,000
Total Revenue 53,373,000
Tradeable 0
Trailing Annual Dividend Rate 0.32
Trailing Annual Dividend Yield 0.010083504
Trailing Eps 2.81
Trailing P E 11.416371
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 27.384
Two Hundred Day Average Change 4.696001
Two Hundred Day Average Change Percent 0.17148703
Type Disp Equity
Volume 58,121
Website https://www.cf.bank
Zip 43,081