📊 CFBK Key Takeaways
Is Cf Bankshares Inc.. (CFBK) a Good Investment?
CF Bankshares demonstrates solid profitability with strong revenue growth (+118.1% YoY) and healthy net margins (14.6%), but faces concerning leverage constraints with weak interest coverage (1.2x) that limits financial flexibility. The modest ROE of 9.5% and ROA of 0.8% suggest operational efficiency challenges typical of smaller regional banks, requiring improvement to justify aggressive growth assumptions.
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.
Why Buy Cf Bankshares Inc.. Stock? CFBK Key Strengths
- Exceptional revenue growth of 118.1% year-over-year indicating strong business expansion
- Healthy net profit margin of 14.6% and solid operating margin of 17.9% demonstrating profitability
- Conservative leverage profile with Debt/Equity ratio of 0.16x providing financial stability
- Strong free cash flow generation of 18.2M with 15.2% FCF margin supporting sustainability
- 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
- Critically low interest coverage ratio of 1.2x indicating limited capacity to service debt obligations and minimal cushion for earnings volatility
- Weak return metrics with ROE of 9.5% and ROA of 0.8% suggesting inefficient asset utilization relative to equity base
- Elevated insider trading activity with 13 Form 4 filings in 90 days may signal management concerns or portfolio rebalancing
- Modest absolute net income growth of only 3.2% YoY despite explosive 118% revenue growth indicates margin compression or operational challenges
- 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 trend - must improve above 2.0x for sustainable debt management
- Return on Equity progression - target 12%+ to validate capital efficiency improvements
- Net income growth sustainability - verify if 3.2% growth reflects one-time items or structural headwinds
- Asset quality metrics and loan loss provisions relative to total loan portfolio
- Operating expense ratio to validate cost management amid rapid revenue scaling
- 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 Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFBK's key strengths?
Claude: Exceptional revenue growth of 118.1% year-over-year indicating strong business expansion. Healthy net profit margin of 14.6% and solid operating margin of 17.9% demonstrating profitability. 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: Critically low interest coverage ratio of 1.2x indicating limited capacity to service debt obligations and minimal cushion for earnings volatility. Weak return metrics with ROE of 9.5% and ROA of 0.8% suggesting inefficient asset utilization relative to equity base. 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 $120.0M.
Does CFBK pay dividends?
Cf Bankshares Inc.. pays dividends, with $1.9M 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 $2.69.
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 rating reflects both perspectives for balanced insights.
Is CFBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Cf Bankshares Inc.. has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CFBK stock overvalued or undervalued?
Valuation metrics for CFBK: ROE of 9.5% (sector avg: 12%), net margin of 14.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CFBK stock in 2026?
Our dual AI analysis gives Cf Bankshares Inc.. a combined HOLD rating 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 $18.7M, with capital expenditures of $487.0K. FCF margin is 15.2%.
How does CFBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 14.6% (avg: 25%), ROE 9.5% (avg: 12%), current ratio N/A (avg: 1.2).