CF BANKSHARES INC.

CFBK

CF BANKSHARES INC.

CFBK

Insider Sentiment (TTM):

Last Purchase:2025-12-16Last Sale:2025-08-20Shares Purchased (TTM):2,627Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:3,402,431Shares Outstanding:6,286,297Institutional Ownership Pct.:54.12%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Cash Equivalents At Carrying Value	253	268	259	272	276	241	235	234	242	237	262	230
Available For Sale Securities Debt Securities	17	17	17	9	9	9	9	9	8	8	8	8
Equity Securities Fv Ni	-	-	0	0	0	0	5	5	5	5	5	5
Loans Receivable Held For Sale Net Not Part Of Dis…	4	4	6	2	2	4	3	5	3	2	2	1
Notes Receivable Net	1,799	1,761	1,739	1,728	1,755	1,750	1,722	1,717	1,688	1,696	1,694	1,660
Federal Home Loan Bank Stock And Federal Reserve B…	8	8	8	8	8	8	9	9	10	8	8	8
Assets
Assets	2,170	2,146	2,117	2,111	2,134	2,095	2,066	2,066	2,041	2,039	2,059	1,992
Other Real Estate And Foreclosed Assets	-	-	-	-	1	1	-	-	-	-	-	-
Property Plant And Equipment Net	3	4	4	4	3	3	4	3	4	4	4	4
Operating Lease Right Of Use Asset	6	6	6	6	6	6	6	6	5	5	5	5
Bank Owned Life Insurance	29	28	28	28	28	27	27	27	27	26	26	26
Other Assets	50	50	51	53	47	46	46	51	50	48	44	44
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	274	241	286	278	296	292	274	258	218	237	236	214
Deposits
Deposits	1,829	1,809	1,781	1,779	1,810	1,784	1,756	1,746	1,696	1,723	1,744	1,685
Interest Bearing Deposit Liabilities	1,555	1,569	1,495	1,501	1,514	1,492	1,482	1,488	1,479	1,486	1,508	1,471
Federal Home Loan Bank Advances Long Term	99	101	101	101	101	93	93	109	137	111	110	110
Advance Payments By Borrowers For Taxes And Insura…	2	1	3	1	0	1	2	1	0	1	2	2
Operating Lease Liability	6	6	6	6	6	6	6	6	5	5	5	5
Other Liabilities	24	24	28	30	24	23	25	26	27	26	27	24
Subordinated Debt	15	15	15	15	15	15	15	15	15	15	15	15
Liabilities	1,975	1,957	1,933	1,932	1,957	1,922	1,897	1,902	1,881	1,881	1,903	1,841
Additional Paid In Capital	94	94	94	93	93	93	92	92	92	91	91	91
Retained Earnings Accumulated Deficit	114	108	104	99	97	92	88	84	81	79	77	73
Stockholders Equity
Stockholders Equity	194	189	184	179	177	173	168	164	160	158	155	151
Accumulated Other Comprehensive Income Loss Net Of…	-2	-1	-1	-1	-2	-2	-2	-2	-2	-2	-2	-2
Treasury Stock Value	-12	-12	-12	-11	-11	-10	-10	-10	-10	-10	-10	-10
Liabilities And Stockholders Equity	2,170	2,146	2,117	2,111	2,134	2,095	2,066	2,066	2,041	2,039	2,059	1,992
Financing Receivable Allowance For Credit Losses	-	19	18	17	19	18	17	17	19	18	17	17
Treasury Stock Common Shares	0	0	0	0	0	0	0	-	-	-	0	-

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	9.53%	18.98%	33.26%	-	-	-	-	-	-	-	-	-
2025	-0.58%	0.83%	-1.76%	2.63%	1.38%	0.38%	4.73%	13.36%	25.96%	-2.98%	1.35%	-0.88%
2024	3.96%	-2.11%	11.49%	-1.77%	2.56%	17.86%	3.54%	-12.21%	-13.21%	-9.80%	9.91%	10.56%
2023	-	-	-	1.00%	-7.20%	-14.35%	3.16%	26.86%	35.24%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.60	-0.62	-0.62	-0.63	-0.56	-0.63	-0.03	0.50	0.89	1.29	1.35	1.42
Per Share Metrics
Diluted EPS TTM	2.92	2.79	2.69	2.52	2.81	2.33	2.12	2.09	2.07	2.44	2.63	2.69
Free Cash Flow Per Share TTM	2.83	3.29	2.89	4.39	3.35	2.74	2.22	1.52	2.11	1.73	2.71	2.50
Dividend Per Share TTM	0.33	0.33	0.31	0.23	0.21	0.27	0.26	0.25	0.25	0.24	0.23	0.22
Margin Metrics
Gross Profit Margin TTM	47.46%	46.61%	45.85%	44.39%	42.58%	40.73%	39.40%	29.14%	29.78%	30.70%	33.43%	48.81%
Operating Profit Margin TTM	19.14%	18.36%	17.94%	16.56%	18.76%	15.15%	13.64%	13.67%	13.66%	16.99%	19.38%	21.61%
Net Profit Margin TTM	15.69%	14.78%	14.17%	13.33%	14.93%	12.38%	11.31%	11.13%	11.16%	13.70%	15.64%	17.29%
Growth Metrics
Net Revenue Growth (1Y)	-0.80%	0.36%	1.36%	1.53%	2.81%	4.69%	9.34%	17.56%	28.76%	43.66%	59.79%	70.31%
Net Income Growth (1Y)	4.23%	19.83%	27.00%	21.60%	37.61%	-5.38%	-20.96%	-24.32%	-26.25%	-14.33%	-6.76%	-3.27%
EPS Growth (1Y)	3.90%	19.81%	26.68%	20.85%	36.65%	-4.71%	-19.11%	-22.20%	-24.34%	-13.34%	-7.10%	-3.81%
Valuation Metrics
P/E TTM	11.10	9.92	9.15	9.31	8.33	9.26	11.70	10.04	8.79	7.90	7.14	5.96
P/B TTM	1.06	0.92	0.84	0.83	0.84	0.79	0.93	0.80	0.71	0.77	0.78	0.68
P/S TTM	1.74	1.47	1.30	1.24	1.24	1.15	1.32	1.12	0.98	1.08	1.12	1.03
Market Cap	206.54M	174.42M	155.49M	148.83M	148.64M	135.87M	156.67M	131.96M	114.03M	122.41M	120.90M	103.58M
Enterprise Value	-46.57M	-93.34M	-103.48M	-123.54M	-127.04M	-105.11M	-78.60M	-101.56M	-127.75M	-114.48M	-140.70M	-126.18M
Calculated Values
Free Cash Flow TTM	17.86M	20.67M	18.20M	27.62M	21.11M	17.24M	13.92M	9.48M	13.23M	10.95M	17.39M	16.10M
Net Debt	-253.10M	-267.76M	-258.97M	-272.36M	-275.68M	-240.99M	-235.27M	-233.52M	-241.78M	-236.89M	-261.60M	-229.76M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-12-16Purchase

Owner: Ringwald, Bradley J

Title: Bank President

Shares: 1,000

Price/Share: $24.07

Value: $24,070.00

Shares Owned: 29,399

Relationship: Officer

Ownership: Direct

2025-12-15Purchase

Owner: Hoeweler, Robert E

Title: -

Shares: 1,000

Price/Share: $23.87

Value: $23,870.00

Shares Owned: 72,062

Relationship: Director

Ownership: Direct

2025-12-12Purchase

Owner: Beerman, Kevin J

Title: EVP & Chief Financial Officer

Shares: 217

Price/Share: $23.84

Value: $5,173.28

Shares Owned: 25,317

Relationship: Officer

Ownership: Direct

2025-12-11Purchase

Owner: Frauenberg, James H Ii

Title: -

Shares: 210

Price/Share: $23.78

Value: $4,993.80

Shares Owned: 114,430

Relationship: Director

Ownership: Direct

2025-12-04Purchase

Owner: Ash, Thomas P

Title: -

Shares: 200

Price/Share: $23.91

Value: $4,782.00

Shares Owned: 47,419

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-12-16	Ringwald, Bradley J	Officer	Bank President	Direct	Purchase	1,000	24.07	$24,070.00	29,399	4
2025-12-15	Hoeweler, Robert E	Director	-	Direct	Purchase	1,000	23.87	$23,870.00	72,062	4
2025-12-12	Beerman, Kevin J	Officer	EVP & Chief Financial Officer	Direct	Purchase	217	23.84	$5,173.28	25,317	4
2025-12-11	Frauenberg, James H Ii	Director	-	Direct	Purchase	210	23.78	$4,993.80	114,430	4
2025-12-04	Ash, Thomas P	Director	-	Direct	Purchase	200	23.91	$4,782.00	47,419	4
2025-08-20	O'Dell, Timothy T	Director,Officer	CEO	Direct	Sale	10,833	25.50	$276,241.50	290,121	4
2025-08-18	Mckinney, Marianne	Officer	EVP & Chief Operating Officer	Direct	Sale	1,700	24.54	$41,718.00	10,283	4
2025-08-14	O'Dell, Timothy T	Director,Officer	CEO	Direct	Sale	210	25.02	$5,254.20	300,954	4/A
2025-03-17	Ash, Thomas P	Director	-	Direct	Purchase	100	22.87	$2,287.00	43,219	4
2025-03-11	Hoeweler, Robert E	Director	-	Direct	Purchase	1,000	21.80	$21,800.00	66,062	4
2024-12-16	O'Dell, Timothy T	Director,Officer	CEO	Direct	Sale	20,522	26.54	$544,653.88	292,621	4
2024-11-11	Rana, Sundeep	Director	-	Direct	Sale	497	29.00	$14,413.00	459	4
2024-05-22	Frauenberg, James H Ii	Director	-	Direct	Purchase	525	19.07	$10,011.75	111,220	4
2024-05-15	Ash, Thomas P	Director	-	Direct	Purchase	500	18.96	$9,480.00	43,119	4
2024-05-14	O'Dell, Timothy T	Director,Officer	CEO	Direct	Purchase	960	18.95	$18,192.00	296,588	4
2023-11-29	Royer, David L	Director	-	Direct	Purchase	2,500	16.00	$40,000.00	30,012	4
2023-11-22	Ash, Thomas P	Director	-	Direct	Purchase	500	17.50	$8,750.00	39,444	4
2023-09-15	O'Dell, Timothy T	Director,Officer	CEO	Direct	Purchase	3,000	17.08	$51,240.00	280,628	4
2023-03-15	O'Dell, Timothy T	Director,Officer	CEO	Indirect	Purchase	300	20.00	$6,000.00	4,579	4
2023-03-06	O'Dell, Timothy T	Director,Officer	CEO	Indirect	Purchase	1,000	20.73	$20,730.00	4,279	4/A
2023-02-24	O'Dell, Timothy T	Director,Officer	CEO	Direct	Purchase	300	20.88	$6,264.00	277,628	4
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Institutional Ownership

No data available for chart

2026-03-31

54.12%

Inst. Shares: 3,402,431

Shares Outstanding: 6,286,297

2025-12-31

53.59%

Inst. Shares: 3,370,961

Shares Outstanding: 6,290,072

2025-09-30

45.27%

Inst. Shares: 2,848,754

Shares Outstanding: 6,292,698

2025-06-30

35.71%

Inst. Shares: 2,250,170

Shares Outstanding: 6,300,427

2025-03-31

30.94%

Inst. Shares: 1,944,529

Shares Outstanding: 6,285,649

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	3,402,431	6,286,297	54.12%
2025-12-31	3,370,961	6,290,072	53.59%
2025-09-30	2,848,754	6,292,698	45.27%
2025-06-30	2,250,170	6,300,427	35.71%
2025-03-31	1,944,529	6,285,649	30.94%
2024-12-31	1,971,093	6,274,571	31.41%
2024-09-30	1,494,470	6,253,716	23.90%
2024-06-30	1,416,287	6,256,457	22.64%
2024-03-31	1,384,127	6,329,898	21.87%
2023-12-31	1,532,831	6,421,088	23.87%
2023-09-30	1,505,943	6,429,198	23.42%
2023-06-30	1,591,866	6,418,305	24.80%
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CF BANKSHARES INC. (CFBK) — SEC Financial Statements & Analysis

CF BANKSHARES INC. (CFBK) is a national commercial banks company, incorporated in DE. CF BANKSHARES INC. trades on Nasdaq as: CFBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CF BANKSHARES INC. reported a -0.80% year-over-year revenue growth, a Gross Profit Margin of 47.46% (TTM), a Price-to-Sales (P/S) ratio of 1.74x (TTM), a Price-to-Book (P/B) ratio of 1.06x (TTM), at a market cap of $206.54M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -0.80%
Gross Profit Margin TTM: 47.46%
P/S TTM: 1.74x
P/B TTM: 1.06x
Market Cap: $206.54M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CF BANKSHARES INC. in?

CF BANKSHARES INC. (CFBK) operates in the National Commercial Banks industry.

What is CFBK's market cap?

CF BANKSHARES INC. (CFBK) has a market capitalization of $206.54M as of 2026-06-30.

What is CFBK's P/E ratio?

CF BANKSHARES INC. (CFBK)'s trailing twelve month P/E ratio is 11.10x as of 2026-06-30.

What exchange does CFBK trade on?

CF BANKSHARES INC. (CFBK) trades on the Nasdaq.

Where is CF BANKSHARES INC. incorporated?

CF BANKSHARES INC. is incorporated in DE.