CF Bankshares Valuation
| CFBK Stock | USD 33.31 1.06 3.29% |
At this time, the firm appears to be fairly valued. CF Bankshares owns a latest Real Value of $32.75 per share. The recent price of the firm is $33.31. Our model approximates the value of CF Bankshares from evaluating the firm fundamentals such as Shares Outstanding of 6.37 M, return on asset of 0.0078, and Shares Owned By Insiders of 16.70 % as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting CF Bankshares' valuation include:
Price Book 1.1325 | Enterprise Value | Price Sales 4.0969 | Trailing PE 9.1205 | Enterprise Value Revenue 5.6045 |
Fairly Valued
Today
Please note that CF Bankshares' price fluctuation is very steady at this time. Calculation of the real value of CF Bankshares is based on 3 months time horizon. Increasing CF Bankshares' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
CF Bankshares' intrinsic value may or may not be the same as its current market price of 33.31, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 33.31 | Real 32.75 | Target 29.0 | Hype 33.86 | Naive 33.69 |
The intrinsic value of CF Bankshares' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence CF Bankshares' stock price.
Estimating the potential upside or downside of CF Bankshares helps investors to forecast how CFBK stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CF Bankshares more accurately as focusing exclusively on CF Bankshares' fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use CF Bankshares' intrinsic value based on its ongoing forecasts of CF Bankshares' financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against CF Bankshares' closest peers.
CF Bankshares Cash |
|
CF Bankshares Total Value Analysis
CF Bankshares is currently forecasted to have valuation of (4.1 M) with market capitalization of 146.34 M, debt of 113.91 M, and cash on hands of 157.78 M. The negative valuation of CF Bankshares may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the CF Bankshares fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(4.1 M) | 146.34 M | 113.91 M | 157.78 M |
CF Bankshares Investor Information
About 17.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.13. Some equities with similar Price to Book (P/B) outperform the market in the long run. CF Bankshares last dividend was issued on the 13th of October 2025. The entity had 181:1000 split on the 21st of August 2018. Based on the key indicators related to CF Bankshares' liquidity, profitability, solvency, and operating efficiency, CF Bankshares is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.CF Bankshares Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of CFBK suggests not a very effective usage of assets in February.CF Bankshares Profitability Analysis
Based on CF Bankshares' profitability indicators, CF Bankshares is yielding more profit at this time then in previous quarter. It has a moderate probability of reporting better profitability numbers in March. Profitability indicators assess CF Bankshares' ability to earn profits and add value for shareholders.Net Income | First Reported 1998-09-30 | Previous Quarter 2.3 M | Current Value 5.6 M | Quarterly Volatility 2.5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.42 | 0.32 |
|
|
For CF Bankshares profitability analysis, we use financial ratios and fundamental drivers that measure the ability of CF Bankshares to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well CF Bankshares utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between CF Bankshares's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of CF Bankshares over time as well as its relative position and ranking within its peers.
CF Bankshares Earnings per Share Projection vs Actual
By analyzing CF Bankshares' earnings estimates, investors can diagnose different trends across CF Bankshares' analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for CF Bankshares is based on EPS before non-recurring items and includes expenses related to employee stock options.CF Bankshares Ownership Allocation
The 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.CF Bankshares Profitability Analysis
The company reported the previous year's revenue of 120 M. Net Income was 13.39 M with profit before overhead, payroll, taxes, and interest of 50.72 M.CF Bankshares Past Distributions to stockholders
About CF Bankshares Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of CF Bankshares. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of CF Bankshares based exclusively on its fundamental and basic technical indicators. By analyzing CF Bankshares's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of CF Bankshares's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of CF Bankshares. We calculate exposure to CF Bankshares's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of CF Bankshares's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 50.2 M | 52.7 M | |
| Pretax Profit Margin | 0.13 | 0.12 | |
| Operating Profit Margin | 0.13 | 0.12 | |
| Net Profit Margin | 0.10 | 0.10 | |
| Gross Profit Margin | 0.32 | 0.42 |
A single share of CF Bankshares represents a small ownership stake in the entity. As a stockholder of CFBK, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
CF Bankshares Dividends Analysis For Valuation
Dividend Paid And Capex Coverage Ratio is expected to rise to 9.11 this year, although the value of Dividends Paid is projected to rise to (1.8 M). . At this time, CF Bankshares' Retained Earnings are quite stable compared to the past year. Retained Earnings Total Equity is expected to rise to about 53.2 M this year, although the value of Price Earnings To Growth Ratio is projected to rise to (0.62).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -1.9 M | -1.8 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | 0.12 | 0.11 | |
| Dividend Paid And Capex Coverage Ratio | 8.68 | 9.11 |
There are various types of dividends CF Bankshares can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of CFBK shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from CF Bankshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When CFBK pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of CF Bankshares by the value of the dividends paid out.
CF Bankshares Growth Indicators
Investing in growth stocks can be very risky. If the company such as CF Bankshares does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 6.3 M | |
| Quarterly Earnings Growth Y O Y | -0.446 |
CF Bankshares Current Valuation Indicators
CF Bankshares' valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final CF Bankshares' valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CF Bankshares, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CF Bankshares' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CF Bankshares' worth.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 Anywhere module to track or share privately all of your investments from the convenience of any device.
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.