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CF BANKSHARES INC. CFBK

Nasdaq · stock · National Commercial Banks · website · IPO 1998-12-30 · LEI

CF BANKSHARES INC. statistics & valuation

Market cap$204.4M
P / E11.7×
P / B1.1×
P / FCF11.2×
Dividend yield0.95%
Return on equity9.5%
Graham number +17.4%$41.99

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($41.99); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
4.10% 3.30% 9.40% 11.90% 26.90% 14.70% 13.00% 10.90% 7.90% 9.50% 2016201720182019202020212022202320242025
Shares outstanding
16.1M 3.5M 4.3M 4.6M 6.1M 6.7M 6.5M 6.4M 6.3M 6.3M 2016201720182019202020212022202320242025
Net debt ($)
-$32.0M -$61.3M -$33.4M -$142.1M -$142.3M -$122.3M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.40% 0.30% 0.60% 1.10% 2.00% 1.20% 1.00% 0.80% 0.60% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.34× 0.13× 0.16× 0.72× 0.19× 0.21× 2016201720182019202020212022202320242025
EPS ($)
$0.05 $0.19 $1.00 $2.03 $4.47 $2.77 $2.78 $2.63 $2.06 $2.69 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CF BANKSHARES INC. trades at about 13.3× earnings — above its 10-year norm (10-year range 3.8×–251.9×, median 10.8×).

3.8× 251.9×

Shaded band = 10-year range (3.8×–251.9×); dot = today's 13.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.6%0.8%1.0%1.2%2.0%1.1%0.6%0.3%0.4%
Return on equity9.5%7.9%10.9%13.0%14.7%26.9%11.9%9.4%3.3%4.1%
Debt / equity———0.21×0.19×0.72×0.16×0.13×0.34×—

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.