Stocks · Financial Services · Banks - Regional
CF Bankshares Inc. CFBK
$34.42 +1.59% Close, Oct 2, 2026 · NASDAQ · Market cap $221.5M
Strong trend
Next earnings report: Nov 2, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.8× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 216 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $132.9M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 28%
- EPS growth (TTM, YoY)Bottom 32%
- FCF growth (TTM, YoY)Bottom 24%
- Revenue growth, 3-year CAGRTop 27%
- Revenue growth accelerationBottom 41%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginBottom 17%
- Operating marginBottom 42%
- Cash conversion (OCF / net income)Bottom 36%
- Accruals (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverBottom 20%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 48%
- EBITDA / enterprise valueTop 5%
- Sales / enterprise valueTop 7%
- P/E vs own 5-year history (lower is better)Bottom 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 9%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 10%
- Distance from 52-week highTop 48%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 15%
- Consecutive EPS beatsBottom 43%
- Upside to consensus price targetTop 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 44%
- Maximum drawdown, 3 yearsBottom 37%
- Beta vs S&P 500 (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.7% | 0.4% | ↓ |
| EPS growth (YoY) | 22.5% | 4.7% | ↓ |
| Gross margin | 41.5% | 43.8% | ↑ |
| Operating margin | 18.1% | 18.2% | ↑ |
| FCF margin | 17.0% | 14.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.4% | 1.7% | ↓ | Bottom 28% |
| EPS growth (TTM, YoY) | 4.7% | 22.5% | ↓ | Bottom 32% |
| Gross margin | 43.8% | 41.5% | ↑ | Bottom 17% |
| Operating margin | 18.2% | 18.1% | ↑ | Bottom 42% |
| Net margin | 15.1% | 14.4% | ↑ | — |
| Free-cash-flow margin | 14.4% | 17.0% | ↓ | — |
| Return on invested capital | 0.9% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 21.5% | — | Top 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.97×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +58.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -5.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.00%
- Net buyback yield (TTM)
- 0.42%
- Shareholder yield
- 1.42%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -11.3%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $40.00
- Target vs current price
- +16.2%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +1.1% | +6.0% | +4.8% | +2.2% | — |
| May 5, 2026 | -4.9% | -1.5% | -3.6% | +3.7% | +29.0% |
| Feb 5, 2026 | +15.8% | +2.3% | +1.4% | -5.9% | -7.5% |
| Nov 3, 2025 | -57.1% | +0.6% | -1.6% | +2.4% | +24.8% |
| Aug 4, 2025 | +6.9% | -0.8% | +2.0% | +4.7% | +1.2% |
| May 6, 2025 | — | -1.2% | +0.5% | +0.1% | -1.2% |
| Feb 12, 2025 | +11.5% | +1.1% | -1.0% | -10.8% | -4.0% |
| Oct 30, 2024 | +14.0% | -3.7% | +1.9% | +8.5% | -5.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.90 | $0.89 | +1.1% | $16.5M |
| May 5, 2026 | $0.77 | $0.81 | -4.9% | $14.8M |
| Feb 5, 2026 | $0.88 | $0.76 | +15.8% | $15.7M |
| Nov 3, 2025 | $0.36 | $0.84 | -57.1% | $15.3M |
| Aug 4, 2025 | $0.77 | $0.72 | +6.9% | $15.4M |
| May 6, 2025 | $0.68 | — | — | $30.1M |
| Feb 12, 2025 | $0.68 | $0.61 | +11.5% | $13.5M |
| Oct 30, 2024 | $0.65 | $0.57 | +14.0% | $12.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 8.3× | 90th | Top 31% |
| P/E (forward) | 9.6× | — | — | — |
| EV / EBITDA | 3.8× | — | — | Top 5% |
| EV / Sales | 0.71× | — | — | Top 7% |
| Free-cash-flow yield | 8.14% | — | — | Top 48% |
| Earnings yield | 8.45% | — | — | Top 31% |
P/E over the past five years
Range 4.7× – 13.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +43.4%
- Earnings per share growth (TTM)
- +4.7%
- Change in P/E multiple
- +43.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- +2.9%
- 200-day average slope (20 days)
- +3.7%
- Distance from 50-day average
- -1.7%
- Distance from 200-day average
- +12.3%
- RSI (14)
- 47.9
- Relative volume
- 1.34×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.5%
- Volatility vs own 5-year history
- 18th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.95
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -5.2%
- Maximum drawdown, 3 years
- -33.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 8, 2022 | Nov 1, 2023 | -38.1% | 246 days | 241 days (Oct 17, 2024) |
| Nov 8, 2024 | Apr 4, 2025 | -33.7% | 99 days | 207 days (Feb 2, 2026) |
| Feb 6, 2026 | May 6, 2026 | -19.7% | 61 days | 54 days (Jul 24, 2026) |
| Nov 11, 2021 | Dec 15, 2021 | -14.9% | 23 days | 223 days (Nov 3, 2022) |
| Dec 28, 2020 | Jan 8, 2021 | -12.8% | 8 days | 22 days (Feb 10, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $221.5M
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $2.91
- Revenue (TTM)
- $124.7M
- Dividend yield
- 1.28%
- 52-week range
- $22.10 – $38.11
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $63.6M | $70.3M | $111.7M | $122.2M | $125.9M |
| Gross profit | $54.9M | $50.5M | $48.7M | $43.7M | $52.7M |
| Operating income | $22.8M | $22.6M | $21.0M | $16.1M | $21.5M |
| Net income | $18.5M | $18.2M | $16.9M | $13.4M | $17.0M |
| EPS (diluted) | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $31.4M | $31.0M | $30.1M | $31.7M | $31.9M | $31.5M | $29.6M | $31.7M |
| Net income | $4.2M | $4.4M | $4.4M | $4.9M | $2.3M | $5.6M | $5.0M | $5.9M |
| EPS (diluted) | $0.65 | $0.68 | $0.68 | $0.77 | $0.36 | $0.88 | $0.77 | $0.90 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $253.3M | $39.8M | $18.1M | $14.2M | $18.7M |
| Capital expenditure | -$3.0M | -$905,000 | -$661,000 | -$266,000 | -$487,000 |
| Free cash flow | $250.3M | $38.9M | $17.4M | $13.9M | $18.2M |
| Dividends paid | -$848,000 | -$1.2M | -$1.5M | -$1.6M | -$1.9M |
| Net share buybacks | -$3.1M | -$2.5M | -$299,000 | -$352,000 | -$1.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $270.3M
- Total assets
- $2.17B
- Total liabilities
- $1.98B
- Total debt
- $120.2M
- Net debt
- -$132.9M
- Shareholders’ equity
- $194.3M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.09 | Oct 20, 2026 |
| Jul 13, 2026 | $0.09 | Jul 21, 2026 |
| Apr 13, 2026 | $0.09 | Apr 21, 2026 |
| Jan 15, 2026 | $0.09 | Jan 26, 2026 |
| Oct 10, 2025 | $0.08 | Oct 21, 2025 |
| Jul 11, 2025 | $0.08 | Jul 21, 2025 |
| Apr 14, 2025 | $0.07 | Apr 22, 2025 |
| Jan 16, 2025 | $0.07 | Jan 27, 2025 |
Short interest
- Shares sold short
- 129,694
- Days to cover
- 3.73
- Change vs previous report
- +14.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 21, 2018
- 181-for-1,000
- May 4, 2012
- 1-for-5