What is CF Bankshares Inc.'s (CFBK) StockRank?

MoatMap's StockRank for CF Bankshares Inc. (CFBK) is 72/100, with a Buy signal. This is a composite score combining Quality (51), Value (45), and Momentum (69) factor ranks across MoatMap's 20,000+ stock universe.

Does CF Bankshares Inc. have an economic moat?

CF Bankshares Inc. (CFBK) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is CF Bankshares Inc. a buy, hold, or sell?

MoatMap's current signal for CF Bankshares Inc. (CFBK) is Buy, based on a StockRank of 72/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is CF Bankshares Inc. in?

CF Bankshares Inc. (CFBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

CFBK

BUY

CF Bankshares Inc. · Financial Services · United States · $217M · Avg Vol: $3M/d

StockRank

Get insider-trade alerts

P/E (TTM)

11.9x

ROE

10.0%

D/E

0.7x

Dividend %

1.0%

COMPANY DESCRIPTION

CF Bankshares Inc. is a bank holding company that, through its subsidiary CFBank, provides comprehensive commercial and retail banking services, including deposit products, commercial real estate loans, and business lending. The company operates primarily as a community bank with a strong local presence in Ohio, leveraging personalized service and relationship-based banking to serve small-to-medium sized businesses and individuals. CF Bankshares' competitive advantage lies in its deep understanding of the local market and a tailored approach to its commercial lending niche.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM
Revenue	—	51.3M	51.1M	50.4M	60.0M	5.4%	53.4M
EPS	2.84	2.84	2.64	2.08	2.70	-1.3%	2.78
Shares	—	6.5M	6.5M	6.4M	6.4M	-1.2%	6.4M
Debt	—	125.8M	130.3M	113.9M	121.9M	-1.1%	125.3M
Equity	—	139.2M	155.4M	168.4M	184.4M	9.8%	—
Op CF	—	39.8M	18.1M	14.2M	18.7M	-22.3%	21.2M
Inv CF	—	-353.3M	-121.9M	-33.0M	-25.0M	—	—
Fin CF	—	298.8M	213.6M	-7.5M	30.1M	—	—

Loading 1Y...

PRICE (1Y)+10.5%

SMA 50SMA 200

$33.44

RSI (14)

73.1

52W High

$34.14

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.9%*33.3

ROE

10.0%52.5

GP/Assets

2.5%N/A

Op. Margin

44.2%64.7

FCF/Assets

1.0%N/A

Piotroski

565.2

Int. Cover

—50.0

D/E Ratio

0.66xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.9x59.2

EV/EBITDA

bankN/A

P/FCF

10.5xN/A

P/B

1.1x50.4

P/S

4.0x46.9

Div Yield

1.0%7.4

Momentum

52W High %

98%80.5

RS 6M

7%72.4

SMA 50/200

1.10x74.5

EPS Rev 4W

0.0%69.8

EPS Rev 12W

-1.2%41.9

EPS Improve

+51%72.3

Q Growth

13%47.8

FUNDAMENTALS

Market Cap

$217M

P/E (Forward)

7.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CFBK	CF Bankshares Inc.(you)	$217M	72	BUY
FXNC	First National Corporation	$269M	73	BUY
CFFI	C&F Financial Corporation	$254M	74	BUY
BVFL	BV Financial, Inc.	$177M	69	BUY
PEBK	Peoples Bancorp of North Carolina, Inc.	$229M	77	BUY
BPRN	Princeton Bancorp, Inc.	$278M	74	BUY
NKSH	National Bankshares, Inc.	$233M	65	BUY
FCAP	First Capital, Inc.	$203M	78	BUY
FSBW	FS Bancorp, Inc.	$302M	70	BUY
MNSB	MainStreet Bancshares, Inc.	$167M	75	BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$33.44
Market Cap	$217M
P/E (TTM)	11.92
P/E (Forward)	7.89
Price/Book	1.14
Return on Equity	10.0%
Debt/Equity	0.66x
Operating Margin	44.2%
Revenue Growth	5.0%
Dividend Yield	1.0%
Free Cash Flow	$21M