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Upturn AI SWOT - About
CFBK 
CF Bankshares Inc (CFBK)
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Upturn Advisory Summary
06/30/2025: CFBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution 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 48.37% | Avg. Invested days 46 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 152.68M USD | Price to earnings Ratio 10.38 | 1Y Target Price 29 |
Price to earnings Ratio 10.38 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.42 | 52 Weeks Range 18.09 - 30.96 | Updated Date 07/1/2025 |
52 Weeks Range 18.09 - 30.96 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 1.19% | Basic EPS (TTM) 2.31 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.94% | Operating Margin (TTM) 45.27% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 8.92% |
Valuation
Trailing PE 10.38 | Forward PE - | Enterprise Value 28028510 | Price to Sales(TTM) 3.2 |
Enterprise Value 28028510 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA - | Shares Outstanding 5219630 | Shares Floating 3975553 |
Shares Outstanding 5219630 | Shares Floating 3975553 | ||
Percent Insiders 20.76 | Percent Institutions 41.15 |
Analyst Ratings
Rating 1 | Target Price 29 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CF Bankshares Inc
Company Overview
History and Background
CF Bankshares Inc. was founded in 1892 as Citizens Federal Savings and Loan Association. It has evolved into a full-service commercial bank focused on serving small to medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing. They focus on small to medium size businesses.
- Retail Banking: Provides deposit accounts, consumer loans, and other retail banking services to individuals and families. It offers a variety of personal banking services.
- Wealth Management: Offers wealth management, trust, and investment services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is a traditional banking hierarchy with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not publicly available. Competitors include larger regional and national banks. This brings in the largest revenue to the bank.
- Small Business Loans (SBA): Offers SBA loans to small businesses. Market share data is not publicly available. Competitors include other community banks and credit unions. This is a key source of revenue for the bank.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not publicly available and varies by geographical locations. Competitors include online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and evolving customer preferences for digital banking services.
Positioning
CF Bankshares Inc. positions itself as a community bank focused on personalized service and local relationships. They are focused on growing organically and through select acquisitions.
Total Addressable Market (TAM)
The TAM for community banking is significant, encompassing all individuals and businesses requiring financial services within their geographic footprint. CF Bankshares Inc. focuses on capturing a larger share through relationship banking and customized solutions.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Focus on small to medium-sized businesses
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition compared to national players
- Dependence on local economy
- Scale limitation compared to larger banks limiting ability to invest in technology
Opportunities
- Expansion into new markets within Ohio and surrounding states
- Increased demand for digital banking services
- Growth in the small to medium-sized business sector
- Opportunity to grow wealth management
Threats
- Rising interest rates impacting loan demand
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan portfolio
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- FFBC
- HBNC
- CBTX
Competitive Landscape
CF Bankshares Inc. competes with a mix of larger regional banks and smaller community banks. Their advantage lies in their local focus and personalized service.
Major Acquisitions
First Savings Financial Group
- Year: 2023
- Acquisition Price (USD millions): 85.7
- Strategic Rationale: Expanded footprint into Indiana and added a high performing bank.
Growth Trajectory and Initiatives
Historical Growth: CF Bankshares Inc.'s historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions, management strategy, and competitive landscape. Analyst estimates would be required.
Recent Initiatives: Recent initiatives include expanding digital banking offerings and focusing on attracting and retaining small to medium-sized business clients.
Summary
CF Bankshares Inc. is a community bank focused on small to medium-sized businesses. Its strengths are in its local relationships and experienced management team. Challenges include competition from larger banks and the need to adapt to digital banking. The recent acquisitions expand market area and profitability. Overall, the company has been performing well recently and expanding its footprint.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Sources
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share percentages are estimates and may not be precise.
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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