CF BANKSHARES INC. · Banks

CFBK

Low riskNext report: Around Feb 4, 2027 (est.)

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The short version

A profitable company.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Buying back shares: share count down 3.1% in 3 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 1.7% to their holdings in the quarter ending June 2026 (68 bought, 22 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$34.42-0.1% that day

Company value: $183M; Share price times all shares
Price vs profit (P/E): 11.8x; You pay about $12 for each $1 of yearly profit
Dividend yield: 0.9%; Yearly dividend as a share of today's price
Cash vs value: 138%; A big cushion: cash is a large part of what the company is worth

From CFBK's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$5.9M+17% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $19.0M, up 4.8% from the 12 months before.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/4Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.9.9%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$18.2M
PassShare count not growingNot diluting owners. Falling means buybacks.-3.1% in 3 years

Free cash flow: $18.2M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 27Before open9:04 am ET

From the press release

Net income for Q3 2026 was $6.0 million ( $0.91 per diluted common share), which included $551,000 of Provision expense.
Pre-provision, pre-tax net revenue (PPNR) for Q3 2026 was $7.9 million .
The dividend was paid on October 20, 2026 to shareholders of record as of the close of business on October 12, 2026.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗