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Upturn AI SWOT - About
CFBK 
CF Bankshares Inc (CFBK)
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Upturn Advisory Summary
09/16/2025: 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 53.11% | Avg. Invested days 57 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 161.83M USD | Price to earnings Ratio 9.06 | 1Y Target Price 29 |
Price to earnings Ratio 9.06 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.42 | 52 Weeks Range 19.09 - 30.85 | Updated Date 09/16/2025 |
52 Weeks Range 19.09 - 30.85 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.08% | Basic EPS (TTM) 2.77 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 9.06 | Forward PE - | Enterprise Value 8010901 | Price to Sales(TTM) 3.07 |
Enterprise Value 8010901 | Price to Sales(TTM) 3.07 | ||
Enterprise Value to Revenue 5.11 | Enterprise Value to EBITDA - | Shares Outstanding 5772210 | Shares Floating 3861992 |
Shares Outstanding 5772210 | Shares Floating 3861992 | ||
Percent Insiders 18.43 | Percent Institutions 47.5 |
Upturn AI SWOT
CF Bankshares Inc
Company Overview
History and Background
CF Bankshares Inc. was originally chartered as Citizens Federal Savings and Loan Association in 1969. The bank has evolved through several name changes and strategic shifts, becoming CF Bankshares Inc. and focusing on serving small to medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management solutions to small and medium-sized businesses.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
CF Bankshares Inc. is led by its Board of Directors and executive management team. The organizational structure consists of various departments responsible for different aspects of the business, including lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and commercial real estate loans. Market share data specific to CF Bankshares for commercial loans on a national level isn't readily available, as it competes with numerous national, regional, and local banks. Competitors include larger regional banks and national players like Huntington Bancshares (HBAN) and Fifth Third Bancorp (FITB).
- Mortgage Lending: Provides mortgage loans for residential properties. Market share data at a granular level is difficult to obtain; competition is fierce from national mortgage lenders like Rocket Companies (RKT), PennyMac Financial Services (PFSI) and other regional players.
- Deposit Accounts: Offers various deposit accounts, including checking, savings, and money market accounts. The bank competes with national banks and credit unions for deposit customers.
Market Dynamics
Industry Overview
The banking industry is currently facing a dynamic environment with increasing regulatory scrutiny, evolving customer expectations, and technological disruption. The industry is also impacted by interest rate fluctuations and economic conditions.
Positioning
CF Bankshares Inc. positions itself as a community-focused bank providing personalized service to small businesses and individuals in its market area. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the regions CF Bankshares serves is substantial, estimated in the billions of dollars annually. CF Bankshares captures a small but important segment of this market through its community banking focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Personalized customer service
- Focus on small business lending
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Potential concentration risk in certain loan portfolios
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks or branches
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- KEY
- FFBC
Competitive Landscape
CF Bankshares competes with larger regional and national banks, as well as credit unions and fintech companies. Its competitive advantage lies in its local market knowledge and personalized customer service. However, it faces challenges in terms of scale and resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be analyzed based on past financial performance.
Future Projections: Future growth projections require accessing analyst estimates.
Recent Initiatives: Recent initiatives are best found in company press releases and investor presentations.
Summary
CF Bankshares is a community-focused bank with a strong local presence. The company benefits from personalized customer service but faces challenges due to its smaller size compared to larger competitors. Economic conditions and increasing competition represent key watchouts. Opportunities exist in expanding digital services and strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Third-Party Financial Data Providers (e.g., Yahoo Finance, Google Finance - limited availability)
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data is subject to change and may not be entirely up-to-date.
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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