CF Bankshares Inc.(CFBK)Earnings, Financials & Key Ratios

CFBK•NASDAQ•Banking & Credit

$31.64

11.8× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial real estate and multifamily lenders

AboutCF 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.Show more

Net Interest Income$55M+19.7%
Total Revenue$126M+3.1%
Net Income$17M+27.0%
Return on Equity9.64%+16.5%
Net Interest Margin2.6%+16.8%
Efficiency Ratio24.75%+9.8%
ROA0.81%+25.2%
Equity / Assets8.71%+6.8%
Book Value per Share29.13+9.1%

CFBK Price & Volume

CF Bankshares Inc. (CFBK) stock price & volume — 10-year historical chart

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Commercial Pivot Drives Efficiency Amid Regional Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Mixed

Profitability:Moderate

Financial:Healthy

Cash Flow:Mixed

Primary Risk:Regional CRE concentration risk

Key Thesis Takeaways

CF Bankshares is successfully executing a transition toward a commercial-centric lending model, evidenced by a 4.6% year-over-year increase in net interest income as of 2026Q1.
While the bank maintains a lean operating structure with a 28.1% efficiency ratio, investors should monitor the inherent risks associated with its concentrated commercial real estate exposure in Ohio.
Future performance appears contingent on balancing this growth strategy against the cyclical volatility of its mortgage banking unit and potential credit provisioning swings.

Verdict Logic

while the bank trades at a forward P/E of 8.67 and maintains a lean 28.1% efficiency ratio, the localized concentration risk in Ohio commercial real estate warrants a cautious approach until credit provisioning stabilizes.

CFBK Growth Metrics

CF Bankshares Inc. (CFBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years24.97%

5 Years4.29%

3 Years21.45%

TTM-

Profit CAGR

10 Years14.27%

5 Years-10.5%

3 Years-2.18%

TTM20.72%

EPS CAGR

10 Years9.35%

5 Years-9.66%

3 Years-1.09%

TTM22.47%

Return on Capital

10 Years7.57%

5 Years6.21%

3 Years4.72%

Last Year1.79%

CFBK Recent Earnings

CF Bankshares Inc. (CFBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 6/12 qtrs (60%)●Beat Revenue 4/12 qtrs (40%)

Q2 2026Latest

May 5, 2026

Metric

Actual

Est

EPS

$0.77-4.9%

$0.81

Rev

$15M-9.7%

$16M

Q1 2026

Feb 5, 2026

Metric

Actual

Est

EPS

$0.88+15.8%

$0.76

Rev

$16M-2.7%

$16M

Q4 2025

Nov 3, 2025

Metric

Actual

Est

EPS

$0.36-57.1%

$0.84

Rev

$15M-4.0%

$16M

Q3 2025

Aug 4, 2025

Metric

Actual

Est

EPS

$0.77+6.9%

$0.72

Rev

$15M-3.1%

$16M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 5, 2026	$0.77vs $0.81-4.9%	$15Mvs $16M-9.7%
Q1 2026	Feb 5, 2026	$0.88vs $0.76+15.8%	$16Mvs $16M-2.7%
Q4 2025	Nov 3, 2025	$0.36vs $0.84-57.1%	$15Mvs $16M-4.0%
Q3 2025	Aug 4, 2025	$0.77vs $0.72+6.9%	$15Mvs $16M-3.1%

Based on last 12 quarters of dataView full earnings history →

Latest CFBK News

Recent stock market news and headlines for CF Bankshares Inc. (CFBK)

PRNewsWire·Jul 1, 2026

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

COLUMBUS, Ohio, July 1, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, today announced that the Board of Directors of the Company declared a $0.09 per share quarterly cash dividend on its common stock and a corresponding $9.00 per share quarterly cash dividend on its Series D preferred stock. Each share of Series D preferred stock is convertible into 100 shares of common stock.

Peers Comparison

Key metrics vs top competitors for CF Bankshares Inc. (CFBK)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
CFBKCF Bankshares Inc.Current	$31.64	$203.54M	11.76	3.06%	13.5%	9.64%	0.97%
CZWICitizens Community Bancorp, Inc.	$23.29	$224.61M	15.95	-9.41%	16.49%	8%	—
NECBNortheast Community Bancorp, Inc.	$26.75	$370.06M	8.23	-1.55%	28.51%	12.62%	—
HONEHarborOne Bancorp, Inc.	$12.10	$522.22M	18.33	10.7%	8.56%	4.56%	—
FFICFlushing Financial Corporation	$15.47	$524.18M	28.65	11.06%	7.15%	4.89%	—
NBTBNBT Bancorp Inc.	$49.63	$2.58B	14.90	10.36%	19.66%	9.83%	—

Compare CFBK vs Peers

CF Bankshares Inc. (CFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for CFBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CFBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NECB, HONE, FFIC

CFBK SEC Filings & Documents

CF Bankshares Inc. (CFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 28, 2026·SEC

Material company update

May 27, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 29, 2024·SEC

10-Q Quarterly Reports

FY 2026

May 11, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CFBK Frequently Asked Questions

CF Bankshares Inc. (CFBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is CF Bankshares Inc. growing?

CF Bankshares Inc. (CFBK) grew revenue by 3.1% over the past year. Growth has been modest.

Is CFBK profitable?

Yes, CF Bankshares Inc. (CFBK) is profitable, generating $17.8M in net income for fiscal year 2025 (13.5% net margin).

Dividend & Returns

Does CFBK pay dividends?

Yes, CF Bankshares Inc. (CFBK) pays a dividend with a yield of 0.97%. This makes it attractive for income-focused investors.

What is CFBK's return on equity?

CF Bankshares Inc. (CFBK) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

What is CF Bankshares Inc.'s net interest margin?

CF Bankshares Inc. (CFBK) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is CF Bankshares Inc.'s efficiency ratio?

CF Bankshares Inc. (CFBK) has an efficiency ratio of 24.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CFBK back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

May 5, 2026

$0.77vs $0.81-4.9%

$15Mvs $16M-9.7%

Q1 2026

Feb 5, 2026

$0.88vs $0.76+15.8%

$16Mvs $16M-2.7%

Q4 2025

Nov 3, 2025

$0.36vs $0.84-57.1%

$15Mvs $16M-4.0%

Q3 2025

Aug 4, 2025

$0.77vs $0.72+6.9%

$15Mvs $16M-3.1%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

CFBKCF Bankshares Inc.Current

$31.64

$203.54M

11.76

3.06%

13.5%

9.64%

0.97%

CZWICitizens Community Bancorp, Inc.

$23.29

$224.61M

15.95

-9.41%

16.49%

—

NECBNortheast Community Bancorp, Inc.

$26.75

$370.06M

8.23

-1.55%

28.51%

12.62%

—

HONEHarborOne Bancorp, Inc.

$12.10

$522.22M

18.33

10.7%

8.56%

4.56%

—

FFICFlushing Financial Corporation

$15.47

$524.18M

28.65

11.06%

7.15%

4.89%

—

NBTBNBT Bancorp Inc.

$49.63

$2.58B

14.90

10.36%

19.66%

9.83%

—