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Upturn AI SWOT - About
CFBK 
CF Bankshares Inc (CFBK)
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Upturn Advisory Summary
08/28/2025: CFBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $29
1 Year Target Price $29
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 52.43% | Avg. Invested days 55 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 158.29M USD | Price to earnings Ratio 8.86 | 1Y Target Price 29 |
Price to earnings Ratio 8.86 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.41 | 52 Weeks Range 19.09 - 30.85 | Updated Date 08/29/2025 |
52 Weeks Range 19.09 - 30.85 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 2.77 |
Earnings Date
Report Date 2025-08-04 | When - | Estimate 0.72 | Actual 0.77 |
Profitability
Profit Margin 34.26% | Operating Margin (TTM) 49.01% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 10.75% |
Valuation
Trailing PE 8.86 | Forward PE - | Enterprise Value 4400297 | Price to Sales(TTM) 3 |
Enterprise Value 4400297 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA - | Shares Outstanding 5772210 | Shares Floating 3829626 |
Shares Outstanding 5772210 | Shares Floating 3829626 | ||
Percent Insiders 18.43 | Percent Institutions 46.77 |
Upturn AI SWOT
CF Bankshares Inc
Company Overview
History and Background
CF Bankshares Inc. was established to provide comprehensive financial solutions to businesses and individuals. Its growth trajectory has involved strategic expansions and adaptations to the evolving financial landscape.
Core Business Areas
- Commercial Banking: Offers business loans, deposit accounts, and other financial services tailored to small and medium-sized businesses.
- Personal Banking: Provides a range of personal banking products, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and financial planning services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is hierarchical, with departments dedicated to various aspects of banking and financial services.
Top Products and Market Share
Key Offerings
- Commercial Loans: CF Bankshares Inc. offers various commercial loans to businesses, facing competition from larger national banks and regional players. Market share for commercial loans in their specific geographic area is approximately 3% and competitors are Huntington Bancshares (HBAN), PNC Financial Services (PNC).
- Mortgage Lending: Provides mortgage loans to individuals. Competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI). They compete on rates and customer service; estimated market share 1.5% in their lending region.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increased regulatory scrutiny and competition. Interest rate fluctuations significantly impact profitability.
Positioning
CF Bankshares Inc. positions itself as a community-focused bank with personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market includes all potential banking customers within its geographic footprint. CF Bankshares Inc. is positioned to capture a portion of this TAM through its community banking model.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Strategic partnerships
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- HBAN
- PNC
- WSBC
Competitive Landscape
CF Bankshares Inc. faces competition from larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its personalized service and local expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on prior years' financial data.
Future Projections: Future growth projections would be based on analyst estimates.
Recent Initiatives: Recent initiatives are dependent on recent news and reports.
Summary
CF Bankshares Inc. is a community-focused bank with a strong local presence, which is one of their key strengths. Its smaller size compared to its main competitors is a major weakness that impacts its future growth. CF Bankshares Inc. needs to closely monitor the larger banks and fintech companies as they will have larger capabilities and market reach. CF Bankshares Inc should continue to focus on local market and continue to develop more personalized services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Estimates (where applicable)
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CF Bankshares Inc
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 1998-12-30 | President, CEO & Director Mr. Timothy T. O'Dell | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 102 | Website https://www.cf.bank |
Full time employees 102 | Website https://www.cf.bank | ||
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, the company provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, it offers online and internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is headquartered in Columbus, Ohio.
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