profit from every $100 of sales.
$0$100
CF Bankshares
$35.39+0.20% today
+55.8% in 1 year
1-year low $22.711-year high $36.31
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.50 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What CF Bankshares sold, what it kept, and what it did with the cash.
Sales went from $51.3 million in 2022 to $60.0 million in 2025, with $17.5 million of profit last year.
SalesProfit
CF Bankshares handed back 19% of the cash it generated last year.
Buybacks $1M$2M
Free cash flow 2025$18M
Bought back its own shares$1M
Paid as dividends$2M
Cash vs. debt$259M vs. $122M
CF Bankshares vs. similar companies
CF Bankshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| CF Bankshares | 13.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads CF Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 51 | 51 | 50 | 60 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 18 | 17 | 13 | 18 | |
| 2.78 | 2.63 | 2.06 | 2.69 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.4% | 33.2% | 26.6% | 29.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,820 | 2,059 | 2,066 | 2,117 |
| Cash | 152 | 262 | 235 | 259 |
| Total debt | 126 | 130 | 114 | 122 |
| Total liabilities | 1,681 | 1,903 | 1,897 | 1,933 |
| 139 | 155 | 168 | 184 | |
| 7 | 6 | 6 | 6 | |
| – | – | – | – | |
| 13.0% | 10.9% | 7.9% | 9.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 40 | 18 | 14 | 19 | |
| 1 | 1 | 0 | 0 | |
| 39 | 17 | 14 | 18 | |
| Dividends paid | 1 | 1 | 2 | 2 |
| 3 | 0 | 0 | 1 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.5×
- 9.7×
- –
- 0.9×
- 3.9×
- 7.4%
- 1.2%
Profitability
- 29.2%
- 5.4%
- 6.2%
- 9.8%
- 0.8%
Growth
- +5.4%
- −1.1%
- +58.5%
- −0.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 45%of 854
Bottom 36%of 733
Top 48%of 876
Bottom 38%of 878
Top 40%of 929
What analysts expect
- Average price target
- $29.00
- Range
- $29.00 – $29.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 0.77 | 0.81 | −4.9% |
| Feb 5, 2026 | 0.88 | 0.76 | +15.8% |
| Nov 3, 2025 | 0.36 | 0.84 | −57.1% |
| Aug 4, 2025 | 0.77 | 0.72 | +6.9% |
| May 6, 2025 | 0.68 | – | – |
| Feb 12, 2025 | 0.68 | 0.61 | +11.5% |
| Oct 30, 2024 | 0.65 | 0.57 | +14.0% |
| Aug 6, 2024 | 0.26 | 0.54 | −51.9% |
1.2%of the share price, paid each year
On $1,000 invested$12a year at today's yield, before tax
+58.5%2020 to 2025
Raised5 yearsin a row, in our data
Paid per share, each year
$0.03 in 2020 → $0.30 in 2025
How safe it looks
11.1% of its profit
Room to growStretchedMore than it earns: 10.7%
News
United Bankshares GAAP EPS of $0.94 beats by $0.01, revenue of $325.09M misses by $0.71MSeeking Alpha · Oct 22, 2026Calvin B. Taylor Bankshares raises dividend by 2% to $0.42Seeking Alpha · Oct 19, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
55No pass
Benjamin Graham
71Pass
Philip Fisher
53No pass
Peter Lynch
32No pass
Joel Greenblatt
17No pass
Charlie Munger
51No pass
Terry Smith
48No pass
Questions about CF Bankshares
Is CF Bankshares a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the CF Bankshares AI analysis
What does CF Bankshares do?
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. It is in Banks - Regional.
Does CF Bankshares pay a dividend?
Yes. At today's price the dividend is 1.2% a year, about 11% of its yearly profit. In 2025 it paid out $1.95 million in dividends.
Is CF Bankshares stock halal?
No. CF Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has CF Bankshares stock done over the past year?
Up 55.8% over the past twelve months, to $35.39. It traded between $22.71 and $36.31 and is 2.5% below its high.
Who are CF Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with CF Bankshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.