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Upturn AI SWOT - About
CFBK 
CF Bankshares Inc (CFBK)
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Upturn Advisory Summary
10/22/2025: CFBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 34.06% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 149.58M USD | Price to earnings Ratio 8.43 | 1Y Target Price 29 |
Price to earnings Ratio 8.43 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.45 | 52 Weeks Range 19.03 - 30.76 | Updated Date 10/21/2025 |
52 Weeks Range 19.03 - 30.76 | Updated Date 10/21/2025 | ||
Dividends yield (FY) 1.17% | Basic EPS (TTM) 2.77 |
Earnings Date
Report Date 2025-10-28 | When Before Market | Estimate 0.77 | 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 8.43 | Forward PE - | Enterprise Value -3272236 | Price to Sales(TTM) 2.83 |
Enterprise Value -3272236 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 4.95 | Enterprise Value to EBITDA - | Shares Outstanding 6367075 | Shares Floating 4336980 |
Shares Outstanding 6367075 | Shares Floating 4336980 | ||
Percent Insiders 16.7 | Percent Institutions 45.23 |
Upturn AI SWOT
CF Bankshares Inc
Company Overview
History and Background
CF Bankshares Inc. was founded in 1892 as The Commercial and Savings Bank. It has evolved from a local community bank to a diversified financial services provider through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Offers deposit accounts, personal loans, and mortgage products to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The leadership team comprises experienced banking professionals with expertise in commercial lending, retail banking, and wealth management. The organizational structure consists of business line heads reporting to the CEO and senior management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating a significant portion of the bank's revenue. Market share data not publicly available. Competitors include regional and national banks offering similar commercial real estate products (e.g., Huntington Bancshares, Fifth Third Bancorp).
- Small Business Loans: Loans to small businesses, supporting local economies. Market share data not publicly available. Competitors include other community banks, credit unions, and online lenders (e.g., U.S. Bancorp, PNC Financial Services).
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data not publicly available. Competitors include national and regional banks (e.g., Bank of America, JPMorgan Chase).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation among smaller banks is also a prevalent trend.
Positioning
CF Bankshares Inc. positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. This differentiates it from larger national banks.
Total Addressable Market (TAM)
The TAM for community banking in the regions CF Bankshares Inc. serves is estimated to be in the billions of dollars. CF Bankshares Inc. is positioned to capture a portion of this market through its local presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Diversified product offerings
- Solid asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition than national competitors
- Dependence on interest rate environment
- Higher cost structure compared to some fintech lenders
Opportunities
- Expansion into new markets within its region
- Strategic acquisitions of other community banks
- Increased adoption of digital banking technologies
- Growth in wealth management services
Threats
- Rising interest rates impacting loan demand
- Increased competition from fintech companies
- Regulatory changes and compliance costs
- Economic downturn affecting loan portfolio
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
- U.S. Bancorp (USB)
- PNC Financial Services (PNC)
Competitive Landscape
CF Bankshares Inc. competes with larger regional and national banks, as well as credit unions and fintech companies. Its advantages include personalized service and local market knowledge, while its disadvantages include limited scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require revenue, net income, and asset growth data from prior years.
Future Projections: Future growth projections would depend on analyst estimates, which are subject to change.
Recent Initiatives: Recent strategic initiatives would be found in the company's press releases and investor presentations.
Summary
CF Bankshares Inc. is a community bank with a strong local presence, facing competition from larger banks and fintechs. Its strengths lie in customer relationships and diversified services, while weaknesses include limited scale. Growth opportunities include geographic expansion and digital banking, with threats including rising interest rates and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market data providers (e.g., Yahoo Finance, Google Finance)
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. The data and analysis are subject to change.
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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