CF Bankshares Company Leadership

CFBK Stock  USD 32.48  0.40  1.22%   
About 70 percent of all CF Bankshares' insiders are acquiring. The analysis of insiders' sentiment of trading CF Bankshares stock suggests that many insiders are confidant at this time. CF Bankshares employs about 102 people. The company is managed by 16 executives with a total tenure of roughly 11 years, averaging almost 0.0 years of service per executive, having 6.38 employees per reported executive.
Timothy ODell  Chairman
CEO and President Director, Chairman of Executive Committee, CEO of Central Federal Bank and President of Central Federal Bank and Director of Central Federal Bank

Insider Sentiment 70

 Mostly Buying

 
Selling
 
Buying

Latest Trades

2025-12-16Bradley J RingwaldAcquired 1000 @ 24.07View
2025-12-15Robert E HoewelerAcquired 1000 @ 23.87View
2025-12-12Kevin J BeermanAcquired 217 @ 23.84View
2025-12-11James H Frauenberg IIAcquired 210 @ 23.78View
2025-12-04Thomas P AshAcquired 200 @ 23.91View
2025-08-20Timothy T O'dellDisposed 10833 @ 25.5View
2025-08-14Timothy T O'dellDisposed 210 @ 25.02View
2025-08-13Timothy T O'dellDisposed 8957 @ 25.37View
2025-03-17Thomas P AshAcquired 100 @ 22.87View
2025-03-11Robert E HoewelerAcquired 1000 @ 21.8View
Monitoring CF Bankshares' insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CF Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy CFBK Stock please use our How to buy in CFBK Stock guide.

CF Bankshares' Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with CF Bankshares' future performance. Based on our forecasts, it is anticipated that CFBK will maintain a workforce of about 100 employees by March 2026.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

CF Bankshares Management Team Effectiveness

Return On Tangible Assets is expected to rise to 0.01 this year. Return On Capital Employed is expected to rise to 0.01 this year. Total Current Liabilities is expected to rise to about 2.1 B this year. Liabilities And Stockholders Equity is expected to rise to about 2.5 B this yearCF Bankshares' management efficiency ratios could be used to measure how well CF Bankshares manages its routine affairs as well as how well it operates its assets and liabilities.
Common Stock Shares Outstanding is expected to rise to about 6.6 M this year. Net Income Applicable To Common Shares is expected to rise to about 21.9 M this yearThe market capitalization of CF Bankshares is $146.34 Million. 30% of CF Bankshares outstanding shares are owned by institutions. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Hence, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company sooner or later.
 
Shares in Circulation  
First Issued
1998-09-30
Previous Quarter
6.3 M
Current Value
6.4 M
Avarage Shares Outstanding
2.4 M
Quarterly Volatility
2.6 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
At this time, CF Bankshares' Dividend Payout Ratio is quite stable compared to the past year. Dividend Paid And Capex Coverage Ratio is expected to rise to 9.11 this year, although the value of Dividends Paid will most likely fall to about 1.8 M. Common Stock Shares Outstanding is expected to rise to about 6.6 M this year. Net Income Applicable To Common Shares is expected to rise to about 21.9 M this year.

CF Bankshares Workforce Comparison

CF Bankshares is rated below average in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 2,352. CF Bankshares holds roughly 102 in number of employees claiming about 4% of equities under Financials industry.

CF Bankshares Profit Margins

The company has Profit Margin (PM) of 0.32 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.31 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.31.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.420.32
Significantly Up
Pretty Stable

CF Bankshares Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific CF Bankshares insiders, such as employees or executives, is commonly permitted as long as it does not rely on CF Bankshares' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, CF Bankshares insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2025-03-01
1.8571
13
7
 68,275 
 2,814 
2023-12-01
2.0
4
2
 8,454 
 5,454 
2023-09-01
1.0
1
1
 3,000 
 60.00 
2023-06-01
1.0
1
1
 2,727 
 2,727 
2023-03-01
9.0
18
2
 51,490 
 357.00 
2022-12-01
1.0
3
3
 5,454 
 5,454 
2022-09-01
3.0
3
1
 645.00 
 60.00 
2022-06-01
4.5
9
2
 49,828 
 18,180 
2022-03-01
0.6667
2
3
 8,500 
 2,100 
2021-09-01
6.0
6
1
 3,553 
 0.00 
2021-06-01
1.0
1
1
 40.00 
 1,590 
2021-03-01
3.0
12
4
 62,104 
 16,544 
2020-09-01
1.0
1
1
 100.00 
 0.00 
2019-06-01
2.5
10
4
 45,861 
 40,287 
2019-03-01
2.5
5
2
 11,465 
 1,090 
2018-12-01
8.0
8
1
 31,245 
 145.00 
2017-12-01
2.0
14
7
 1,406,997 
 88,200 
2013-03-01
0.5
1
2
 30,000 
 2,000 
2012-12-01
7.0
7
1
 175,000 
 0.00 
2012-09-01
1.4286
10
7
 358,606 
 2,000 
2012-06-01
1.0
1
1
 774.00 
 774.00 
2010-09-01
2.0
4
2
 60,000 
 1,966 
2010-06-01
0.1538
2
13
 2,000 
 45,914 
2009-06-01
0.6667
2
3
 4,250 
 4,200 
2008-12-01
5.5
11
2
 78,000 
 102,598 
2006-09-01
0.5
1
2
 49.09 
 3,333 
2006-06-01
2.0
4
2
 4,554 
 3,340 
2005-12-01
1.0
1
1
 43.80 
 3,000 
2005-06-01
26.0
26
1
 81,509 
 3,000 
2004-12-01
2.2857
16
7
 26,200 
 22,328 
2003-12-01
0.1429
1
7
 600.00 
 1,000.00 

CF Bankshares Notable Stakeholders

A CF Bankshares stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as CF Bankshares often face trade-offs trying to please all of them. CF Bankshares' stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting CF Bankshares' stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Timothy ODellCEO and President Director, Chairman of Executive Committee, CEO of Central Federal Bank and President of Central Federal Bank and Director of Central Federal BankProfile
John WilgusSenior PresidentProfile
Kevin BeermanExecutive CFOProfile
Barbara PykeCorporate SecretaryProfile
Steve NitzscheSr MangProfile
David HandSenior MortgageProfile
Paul SouleyretteMarket MarketProfile
Erica WymerSenior BankingProfile
Mark NykazaMarket OhioProfile
Timothy MederExecutive OfficerProfile
Matt TuoheyMarket ClevelandProfile
Marianne McKinneyExecutive OfficerProfile
Matthew TaylorSenior ManagerProfile
Ivory BrownSenior ManagerProfile
Joe KirschMarket IndianapolisProfile
Shanda MillerSenior ManagerProfile
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About CF Bankshares Management Performance

The success or failure of an entity such as CF Bankshares often depends on how effective the management is. CF Bankshares management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of CFBK management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the CFBK management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.01  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.10 

CF Bankshares Workforce Analysis

Traditionally, organizations such as CF Bankshares use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare CF Bankshares within its industry.

CF Bankshares Manpower Efficiency

Return on CF Bankshares Manpower

Revenue Per Employee1.2M
Revenue Per Executive7.5M
Net Income Per Employee131.2K
Net Income Per Executive836.7K
When determining whether CF Bankshares is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if CFBK Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Cf Bankshares Stock. Highlighted below are key reports to facilitate an investment decision about Cf Bankshares Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CF Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy CFBK Stock please use our How to buy in CFBK Stock guide.
You can also try the Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CF Bankshares. Projected growth potential of CFBK fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive CF Bankshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
(0.45)
Dividend Share
0.29
Earnings Share
2.49
Revenue Per Share
8.071
Quarterly Revenue Growth
(0.17)
CF Bankshares's market price often diverges from its book value, the accounting figure shown on CFBK's balance sheet. Smart investors calculate CF Bankshares' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since CF Bankshares' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between CF Bankshares' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CF Bankshares should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, CF Bankshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.