📊 CFBK Key Takeaways
Is Cf Bankshares Inc.. (CFBK) a Good Investment?
CF Bankshares demonstrates strong revenue growth of 118% YoY and maintains conservative leverage (0.16x debt/equity) with adequate liquidity ($267.8M cash). However, the interest coverage ratio of 0.3x indicates the bank cannot cover debt service from operating income—a critical deficiency for a financial institution. Combined with extremely weak returns (ROA 0.2%, ROE 2.7%), this suggests operational stress that undermines growth gains.
CF Bankshares shows solid core profitability and a strong liquidity position, with positive earnings, positive free cash flow, and low reported long-term debt relative to equity. However, the quality of recent growth looks mixed: revenue expanded sharply while net income rose only modestly, and sub-1% ROA plus weak interest coverage suggest limited margin for error if credit costs or funding pressure increase.
Cf Bankshares Inc.. Key Strengths (CFBK)
- Revenue growth of 118% YoY demonstrates strong business momentum
- Conservative capital structure with debt-to-equity of 0.16x
- Strong liquidity position with $267.8M in cash equivalents
- Positive free cash flow of $4.6M with 16.4% FCF margin
- Positive profitability with $17.54M in net income, 14.6% net margin, and 9.5% ROE
- Strong liquidity profile supported by $258.97M in cash against a $2.12B asset base
- Revenue growth was very strong year over year, and diluted EPS growth outpaced net income growth
CFBK Stock Risks: Cf Bankshares Inc.. Investment Risks
- Interest coverage of 0.3x indicates inability to service debt from operations (unsustainable)
- Critically low ROA (0.2%) and ROE (2.7%) signal weak capital efficiency for a bank
- Profitability growth (30.5% NI growth) lags revenue growth significantly, suggesting margin compression or rising costs
- Revenue growth is not translating efficiently into bottom-line growth, indicating weaker growth quality
- ROA of 0.8% is only moderate for a bank and suggests average asset profitability
- Interest coverage of 1.2x is thin and leaves limited cushion if earnings weaken or funding costs rise
Key Metrics to Watch
- Interest coverage ratio—must improve to 1.0x or higher for sustainability
- Return on assets (ROA)—needs improvement toward 1.0%+ for industry competitiveness
- Net interest margin trends and asset quality metrics
- Operating leverage—monitor if revenue growth translates to proportional profit improvement
- Net interest margin and provision for credit losses
- ROA and efficiency ratio trend
Cf Bankshares Inc.. (CFBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFBK Profit Margin, ROE & Profitability Analysis
CFBK vs Finance Sector: How Cf Bankshares Inc.. Compares
How Cf Bankshares Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Cf Bankshares Inc.. Stock Overvalued? CFBK Valuation Analysis 2026
Based on fundamental analysis, Cf Bankshares Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Cf Bankshares Inc.. Balance Sheet: CFBK Debt, Cash & Liquidity
CFBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Cf Bankshares Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.63 reflects profitable operations.
CFBK Revenue Growth, EPS Growth & YoY Performance
CFBK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2019 | $128.0K | $1.0M | $0.24 |
| Q2 2019 | $118.0K | $1.1M | $0.25 |
| Q1 2019 | $118.0K | $738.0K | $0.17 |
| Q3 2018 | $106.0K | $471.0K | $0.15 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Cf Bankshares Inc.. Dividends, Buybacks & Capital Allocation
CFBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Cf Bankshares Inc.. (CIK: 0001070680)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFBK
What is the AI rating for CFBK?
Cf Bankshares Inc.. (CFBK) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFBK's key strengths?
Claude: Revenue growth of 118% YoY demonstrates strong business momentum. Conservative capital structure with debt-to-equity of 0.16x. ChatGPT: Positive profitability with $17.54M in net income, 14.6% net margin, and 9.5% ROE. Strong liquidity profile supported by $258.97M in cash against a $2.12B asset base.
What are the risks of investing in CFBK?
Claude: Interest coverage of 0.3x indicates inability to service debt from operations (unsustainable). Critically low ROA (0.2%) and ROE (2.7%) signal weak capital efficiency for a bank. ChatGPT: Revenue growth is not translating efficiently into bottom-line growth, indicating weaker growth quality. ROA of 0.8% is only moderate for a bank and suggests average asset profitability.
What is CFBK's revenue and growth?
Cf Bankshares Inc.. reported revenue of $28.1M.
Does CFBK pay dividends?
Cf Bankshares Inc.. pays dividends, with $0.6M distributed to shareholders in the trailing twelve months.
Where can I find CFBK SEC filings?
Official SEC filings for Cf Bankshares Inc.. (CIK: 0001070680) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFBK's EPS?
Cf Bankshares Inc.. has a diluted EPS of $0.77.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CFBK's fundamental grade?
Based on our AI fundamental analysis in June 2026, Cf Bankshares Inc.. has a C grade with 74% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CFBK stock overvalued or undervalued?
Valuation metrics for CFBK: ROE of 2.7% (sector avg: 12%), net margin of 17.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CFBK's AI grade for 2026?
Our dual AI analysis gives Cf Bankshares Inc.. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CFBK's free cash flow?
Cf Bankshares Inc..'s operating cash flow is $4.7M, with capital expenditures of $109.0K. FCF margin is 16.4%.
How does CFBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 17.9% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).