CF Bankshares Net Income
| CFBK Stock | USD 33.31 1.06 3.29% |
As of the 8th of February, CF Bankshares owns the Market Risk Adjusted Performance of 1.1, standard deviation of 1.83, and Coefficient Of Variation of 325.53. CF Bankshares technical analysis gives you the methodology to make use of past data patterns to determine a pattern that approximates the direction of the firm's future prices.
CF Bankshares Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.6045 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 15.4 M | 16.2 M | |
| Net Income Applicable To Common Shares | 20.9 M | 21.9 M | |
| Net Income From Continuing Ops | 15.4 M | 8.6 M | |
| Net Income Per Share | 1.92 | 2.02 | |
| Net Income Per E B T | 0.75 | 0.68 |
CFBK | Net Income | Build AI portfolio with CFBK Stock |
Historical Net Income data for CF Bankshares serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether CF Bankshares represents a compelling investment opportunity.
Latest CF Bankshares' Net Income Growth Pattern
Below is the plot of the Net Income of CF Bankshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in CF Bankshares financial statement analysis. It represents the amount of money remaining after all of CF Bankshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is CF Bankshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in CF Bankshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 13.39 M | 10 Years Trend |
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Net Income |
| Timeline |
CFBK Net Income Regression Statistics
| Arithmetic Mean | 8,429,121 | |
| Coefficient Of Variation | 118.36 | |
| Mean Deviation | 8,655,187 | |
| Median | 4,477,000 | |
| Standard Deviation | 9,977,036 | |
| Sample Variance | 99.5T | |
| Range | 35M | |
| R-Value | 0.83 | |
| Mean Square Error | 33.4T | |
| R-Squared | 0.69 | |
| Significance | 0.000041 | |
| Slope | 1,635,462 | |
| Total Sum of Squares | 1592.7T |
CFBK Net Income History
Other Fundumenentals of CF Bankshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
CF Bankshares Net Income component correlations
CFBK Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for CF Bankshares is extremely important. It helps to project a fair market value of CFBK Stock properly, considering its historical fundamentals such as Net Income. Since CF Bankshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CF Bankshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CF Bankshares' interrelated accounts and indicators.
Click cells to compare fundamentals
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 | 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.
CF Bankshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to CF Bankshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of CF Bankshares.
| 11/10/2025 |
| 02/08/2026 |
If you would invest 0.00 in CF Bankshares on November 10, 2025 and sell it all today you would earn a total of 0.00 from holding CF Bankshares or generate 0.0% return on investment in CF Bankshares over 90 days. CF Bankshares is related to or competes with First Capital, Landmark Bancorp, Peoples Bancorp, Hanover Bancorp, Finward Bancorp, Citizens Community, and Meridian Bank. CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking p... More
CF Bankshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure CF Bankshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess CF Bankshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.34 | |||
| Information Ratio | 0.2581 | |||
| Maximum Drawdown | 9.61 | |||
| Value At Risk | (1.80) | |||
| Potential Upside | 4.96 |
CF Bankshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for CF Bankshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as CF Bankshares' standard deviation. In reality, there are many statistical measures that can use CF Bankshares historical prices to predict the future CF Bankshares' volatility.| Risk Adjusted Performance | 0.2531 | |||
| Jensen Alpha | 0.5107 | |||
| Total Risk Alpha | 0.3705 | |||
| Sortino Ratio | 0.3511 | |||
| Treynor Ratio | 1.09 |
CF Bankshares February 8, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.2531 | |||
| Market Risk Adjusted Performance | 1.1 | |||
| Mean Deviation | 1.28 | |||
| Semi Deviation | 0.5938 | |||
| Downside Deviation | 1.34 | |||
| Coefficient Of Variation | 325.53 | |||
| Standard Deviation | 1.83 | |||
| Variance | 3.34 | |||
| Information Ratio | 0.2581 | |||
| Jensen Alpha | 0.5107 | |||
| Total Risk Alpha | 0.3705 | |||
| Sortino Ratio | 0.3511 | |||
| Treynor Ratio | 1.09 | |||
| Maximum Drawdown | 9.61 | |||
| Value At Risk | (1.80) | |||
| Potential Upside | 4.96 | |||
| Downside Variance | 1.8 | |||
| Semi Variance | 0.3526 | |||
| Expected Short fall | (1.50) | |||
| Skewness | 1.15 | |||
| Kurtosis | 2.11 |
CF Bankshares Backtested Returns
CF Bankshares appears to be very steady, given 3 months investment horizon. CF Bankshares retains Efficiency (Sharpe Ratio) of 0.36, which signifies that the company had a 0.36 % return per unit of price deviation over the last 3 months. By evaluating CF Bankshares' technical indicators, you can evaluate if the expected return of 0.66% is justified by implied risk. Please makes use of CF Bankshares' Coefficient Of Variation of 325.53, market risk adjusted performance of 1.1, and Standard Deviation of 1.83 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, CF Bankshares holds a performance score of 28. The firm owns a Beta (Systematic Risk) of 0.51, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, CF Bankshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding CF Bankshares is expected to be smaller as well. Please check CF Bankshares' sortino ratio, semi variance, and the relationship between the standard deviation and value at risk , to make a quick decision on whether CF Bankshares' current price history will revert.
Auto-correlation | 0.90 |
Excellent predictability
CF Bankshares has excellent predictability. Overlapping area represents the amount of predictability between CF Bankshares time series from 10th of November 2025 to 25th of December 2025 and 25th of December 2025 to 8th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of CF Bankshares price movement. The serial correlation of 0.9 indicates that approximately 90.0% of current CF Bankshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.9 | |
| Spearman Rank Test | 0.78 | |
| Residual Average | 0.0 | |
| Price Variance | 6.25 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
CFBK Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, CF Bankshares reported net income of 13.39 M. This is 98.95% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.66% higher than that of the company.
CFBK Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses CF Bankshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of CF Bankshares could also be used in its relative valuation, which is a method of valuing CF Bankshares by comparing valuation metrics of similar companies.CF Bankshares is currently under evaluation in net income category among its peers.
CF Bankshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CF Bankshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CF Bankshares' managers, analysts, and investors.Environmental | Governance | Social |
CF Bankshares Institutional Holders
Institutional Holdings refers to the ownership stake in CF Bankshares that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of CF Bankshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CF Bankshares' value.| Shares | State Street Corp | 2025-06-30 | 40.3 K | Bridgeway Capital Management, Llc | 2025-06-30 | 27.1 K | Salzhauer Michael | 2025-06-30 | 26.8 K | United Capital Financial Advisers Inc | 2025-06-30 | 16 K | Renaissance Technologies Corp | 2025-06-30 | 14.8 K | Aspiring Ventures, Llc | 2025-06-30 | 14.1 K | Susquehanna International Group, Llp | 2025-06-30 | 13.7 K | Charles Schwab Investment Management Inc | 2025-06-30 | 12 K | Retirement Income Solutions, Inc. | 2025-06-30 | 11.8 K | Alliancebernstein L.p. | 2025-06-30 | 437.5 K | Fourthstone Llc | 2025-06-30 | 421.2 K |
CFBK Fundamentals
| Return On Equity | 0.0945 | ||||
| Return On Asset | 0.0078 | ||||
| Profit Margin | 0.32 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | (4.1 M) | ||||
| Shares Outstanding | 6.37 M | ||||
| Shares Owned By Insiders | 16.70 % | ||||
| Shares Owned By Institutions | 48.44 % | ||||
| Number Of Shares Shorted | 97.68 K | ||||
| Price To Earning | 5.26 X | ||||
| Price To Book | 1.13 X | ||||
| Price To Sales | 4.07 X | ||||
| Revenue | 120 M | ||||
| Gross Profit | 50.72 M | ||||
| EBITDA | 21.53 M | ||||
| Net Income | 13.39 M | ||||
| Cash And Equivalents | 157.78 M | ||||
| Cash Per Share | 24.08 X | ||||
| Total Debt | 113.91 M | ||||
| Debt To Equity | 8.17 % | ||||
| Book Value Per Share | 27.82 X | ||||
| Cash Flow From Operations | 14.19 M | ||||
| Short Ratio | 2.16 X | ||||
| Earnings Per Share | 2.49 X | ||||
| Target Price | 29.0 | ||||
| Number Of Employees | 102 | ||||
| Beta | 0.48 | ||||
| Market Capitalization | 146.34 M | ||||
| Total Asset | 2.07 B | ||||
| Retained Earnings | 88.29 M | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 2.54 % | ||||
| Net Asset | 2.07 B | ||||
| Last Dividend Paid | 0.29 |
About CF Bankshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze CF Bankshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CF Bankshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CF Bankshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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 | 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.