CFBK:NSD-CF Bankshares Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 19.64

Change

-0.05 (-0.25)%

Market Cap

USD 0.13B

Volume

2.60K

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and corporate treasury management services. As of December 31, 2020, it operated six branch offices located in Franklin, Hamilton, Summit, and Columbiana Counties; and a loan production office located in Franklin County; and an agency office located in Cuyahoga County, Ohio. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-17 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

-21.68 (-3.82%)

USD30.80B 18.66 N/A
HBANN Huntington Bancshares Incorpor..

-0.11 (-0.42%)

USD28.51B 22.91 N/A
FITB Fifth Third Bancorp

-2.52 (-6.21%)

USD28.47B 14.90 N/A
HBAN Huntington Bancshares Incorpor..

-0.85 (-5.92%)

USD21.23B 12.58 N/A
FITBI Fifth Third Bancorp

+0.20 (+0.70%)

USD20.08B 10.55 N/A
SBNY Signature Bank

-14.09 (-5.45%)

USD14.93B 22.79 N/A
HBANO Huntington Bancshares Incorpor..

-0.02 (-0.08%)

USD13.19B 22.23 N/A
ZION Zions Bancorporation, National..

-3.51 (-6.37%)

USD9.03B 11.21 N/A
CBSH Commerce Bancshares, Inc

-2.83 (-3.73%)

USD8.88B 21.06 N/A
FCNCA First Citizens BancShares, Inc

-33.51 (-3.84%)

USD8.34B 15.34 N/A

ETFs Containing CFBK

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 11.02% 24% F 54% F
Dividend Return 0.34% 4% F 18% F
Total Return 11.36% 22% F 54% F
Trailing 12 Months  
Capital Gain 84.59% 84% B 76% C
Dividend Return 0.85% 3% F 14% F
Total Return 85.43% 83% B 76% C
Trailing 5 Years  
Capital Gain 156.90% 94% A 76% C
Dividend Return 1.18% 1% F 2% F
Total Return 158.08% 94% A 75% C
Average Annual (5 Year Horizon)  
Capital Gain 16.59% 95% A 64% D
Dividend Return 0.07% 1% F 3% F
Total Return 16.66% 94% A 63% D
Risk Return Profile  
Volatility (Standard Deviation) 33.03% 24% F 54% F
Risk Adjusted Return 50.46% 91% A- 70% C-
Market Capitalization 0.13B 15% F 24% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 3.94 99% A+ 86% B
Price/Book Ratio 1.13 59% F 86% B
Price / Cash Flow Ratio -68.40 98% A+ 92% A-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 34.10% 100% A+ 94% A
Return on Invested Capital 13.61% 78% C+ 84% B
Return on Assets 2.67% 99% A+ 70% C-
Debt to Equity Ratio 208.03% 2% F 8% F
Technical Ratios  
Short Ratio 0.21 97% A+ 92% A-
Short Percent 0.03% 96% A 98% A+
Beta 0.79 68% D+ 73% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.