CF Bankshares Inc. (CFBK) stock
CFBKNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 15/302% above fair value
$35.32+0.02 (+0.07%)
Close on Nov 12, 2026Market cap $229.31MP/E 10.2Yield 0.85%
CF Bankshares statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 4, 2027 (estimated, before the open)
- Last ex-dividend date
- Oct 9, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.15
- 1.52
- P/OCF Ratio
- 10.78
- 9.78
Enterprise valuationIndustry
- EV / Sales
- -0.30
- 2.95
- EV / FCF
- -0.92
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- 0.76%
- 0.35%
- Float
- 5M
- 17M
- Shares Held by Insiders
- 28.0%
- 6.05%
- Shares Held by Institutions
- 56.0%
- 61.3%
Short sellingIndustry
- Short Interest
- 108,735
- –
- Short Interest Change
- 18.0%
- -4.13%
- Short % of Float
- 2.33%
- 3.58%
- Short % of Shares Outstanding
- 1.67%
- 3.18%
- Days to Cover
- 2.79
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $38.11
- –
- 52-Week Low
- $22.45
- –
- 20-Day Moving Average
- $34.58
- –
- 50-Day Moving Average
- $34.57
- –
- 200-Day Moving Average
- $31.78
- –
- Average True Range (14)
- $0.77
- –
- Price Change (1 Week)
- 2.11%
- 0.47%
- Price Change (1 Month)
- 4.59%
- 4.83%
- Price Change (3 Months)
- -2.02%
- -3.58%
- Price Change (6 Months)
- 30.2%
- 10.8%
- Price Change (YTD)
- 41.6%
- 19.6%
- Price Change (1 Year)
- 55.6%
- 25.4%
- Price Change (3 Years)
- 118.6%
- 76.7%
- Price Change (5 Years)
- 62.6%
- 26.5%
- Price Change (10 Years)
- 2254.7%
- 67.0%
- Average Volume (10 Days)
- 44,506
- –
- Average Volume (20 Days)
- 42,229
- –
- Average Volume (90 Days)
- 46,001
- –
- Relative Volume
- 0.48
- 0.66
- Relative Strength Index (14)
- 59.0
- 52.6
- Volatility (1 Year)
- 24.7%
- 24.4%
- Beta (5 Years)
- 0.54
- 0.63
MarginsIndustry
- Pretax Margin
- 42.9%
- 36.9%
- FCF Margin
- 33.0%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.0%
- 10.8%
- Return on Assets (ROA)
- 1.05%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 7.81%
- 11.8%
- Net Income Growth (YoY)
- 40.0%
- 22.7%
- EPS Growth (YoY)
- 39.0%
- 21.6%
- FCF Growth (YoY)
- -23.8%
- 27.5%
- Revenue Growth (3Y CAGR)
- 5.44%
- 5.82%
- Revenue Growth (5Y CAGR)
- -7.04%
- 6.17%
- EPS Growth (3Y CAGR)
- -1.09%
- 1.31%
- EPS Growth (5Y CAGR)
- -9.66%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $651.08K
- $359.04K
- Profits Per Employee
- $231.68K
- $110.51K
- Employee Count
- 98
- 492
- WACC
- 7.68%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $27.38M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $248.60M
- $166.15M
- Net Cash Per Share
- $38.29
- $8.19
- Equity (Book Value)
- $199.53M
- $570.13M
- Book Value Per Share
- $30.73
- $28.22
- Tangible Book Value
- $199.53M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$241.00K
- -$4.27M
- FCF Per Share
- $3.24
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 9.90%
- 8.32%
- FCF Yield
- 9.18%
- 9.23%
- Dividend Yield
- 0.85%
- 2.44%
- Shareholder Yield
- 0.85%
- 3.22%
- Dividend Per Share
- $0.30
- $0.92
- Dividend Growth (YoY)
- 20.0%
- 4.26%
- Years of Dividend Growth
- 5
- 2
- Payout Ratio
- 10.0%
- 29.0%
- FCF Payout Ratio
- 10.8%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $4.68M
- $16.14M
- Effective Tax Rate
- 17.1%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $48.91
- $45.31
- Graham Upside
- 38.5%
- 18.8%
- Altman Z-Score
- 0.17
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | CFBK | S&P 500 | Difference | CFBK per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +3.9% | -2.7% | +6.6 pts | ||
| 3 months | -1.0% | -1.7% | +0.7 pts | ||
| Year to date | +43.2% | +11.9% | +31.4 pts | ||
| 1 year | +58.4% | +12.0% | +46.4 pts | ||
| 3 years | +127.1% | +78.2% | +48.9 pts | +31.4% | +21.2% |
| 5 years | +72.6% | +73.2% | −0.7 pts | +11.5% | +11.6% |
| 10 years | +2421.4% | +309.6% | +2111.8 pts | +38.1% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M CFBK shares were sold short on Oct 30, 2026, up 18.0% from the previous report, or 2.33% of the shares available to trade. At recent volumes it would take 2.8 days to buy them back. Over the last 20 sessions, 30.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 108,735 | +18.0% | 39,040 | 2.8 |
| Oct 15, 2026 | 92,110 | -10.2% | 29,096 | 3.2 |
| Sep 30, 2026 | 102,605 | -20.9% | 37,074 | 2.8 |
| Sep 15, 2026 | 129,694 | +14.7% | 34,816 | 3.7 |
| Aug 31, 2026 | 113,043 | +19.8% | 41,477 | 2.7 |
| Aug 14, 2026 | 94,377 | -7.4% | 55,595 | 1.7 |
| Jul 31, 2026 | 101,905 | +68.7% | 77,789 | 1.3 |
| Jul 15, 2026 | 60,402 | +16.1% | 62,437 | 1.0 |
| Jun 30, 2026 | 52,006 | +16.6% | 141,337 | 1.0 |
| Jun 15, 2026 | 44,597 | -2.1% | 58,950 | 1.0 |
| May 29, 2026 | 45,569 | +10.7% | 32,460 | 1.4 |
| May 15, 2026 | 41,160 | -6.7% | 23,680 | 1.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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