📊 CFBK Key Takeaways
Investment Thesis
CF Bankshares demonstrates solid profitability with strong revenue growth (+118.1% YoY) and healthy net margins (14.6%), but faces concerning leverage constraints with weak interest coverage (1.2x) that limits financial flexibility. The modest ROE of 9.5% and ROA of 0.8% suggest operational efficiency challenges typical of smaller regional banks, requiring improvement to justify aggressive growth assumptions.
CFBK Strengths
- Exceptional revenue growth of 118.1% year-over-year indicating strong business expansion
- Healthy net profit margin of 14.6% and solid operating margin of 17.9% demonstrating profitability
- Conservative leverage profile with Debt/Equity ratio of 0.16x providing financial stability
- Strong free cash flow generation of 18.2M with 15.2% FCF margin supporting sustainability
CFBK Risks
- Critically low interest coverage ratio of 1.2x indicating limited capacity to service debt obligations and minimal cushion for earnings volatility
- Weak return metrics with ROE of 9.5% and ROA of 0.8% suggesting inefficient asset utilization relative to equity base
- Elevated insider trading activity with 13 Form 4 filings in 90 days may signal management concerns or portfolio rebalancing
- Modest absolute net income growth of only 3.2% YoY despite explosive 118% revenue growth indicates margin compression or operational challenges
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 2.0x for sustainable debt management
- Return on Equity progression - target 12%+ to validate capital efficiency improvements
- Net income growth sustainability - verify if 3.2% growth reflects one-time items or structural headwinds
- Asset quality metrics and loan loss provisions relative to total loan portfolio
- Operating expense ratio to validate cost management amid rapid revenue scaling
CFBK Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFBK Profitability Ratios
CFBK vs Finance Sector
How CF BANKSHARES INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CFBK Balance Sheet & Liquidity
CFBK 5-Year Financial Trend
5-Year Trend Summary: CF BANKSHARES INC.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.63 reflects profitable operations.
CFBK Growth Metrics (YoY)
CFBK Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2019 | $128.0K | $1.0M | $0.24 |
| Q2 2019 | $118.0K | $1.1M | $0.25 |
| Q1 2019 | $118.0K | $738.0K | $0.17 |
| Q3 2018 | $106.0K | $471.0K | $0.15 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CFBK Capital Allocation
CFBK SEC Filings
Access official SEC EDGAR filings for CF BANKSHARES INC. (CIK: 0001070680)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFBK
What is the AI rating for CFBK?
CF BANKSHARES INC. (CFBK) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFBK's key strengths?
Exceptional revenue growth of 118.1% year-over-year indicating strong business expansion. Healthy net profit margin of 14.6% and solid operating margin of 17.9% demonstrating profitability.
What are the risks of investing in CFBK?
Critically low interest coverage ratio of 1.2x indicating limited capacity to service debt obligations and minimal cushion for earnings volatility. Weak return metrics with ROE of 9.5% and ROA of 0.8% suggesting inefficient asset utilization relative to equity base.
What is CFBK's revenue and growth?
CF BANKSHARES INC. reported revenue of $120.0M.
Does CFBK pay dividends?
CF BANKSHARES INC. pays dividends, with $1.9M distributed to shareholders in the trailing twelve months.
Where can I find CFBK SEC filings?
Official SEC filings for CF BANKSHARES INC. (CIK: 0001070680) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFBK's EPS?
CF BANKSHARES INC. has a diluted EPS of $2.69.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.