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CF Bankshares

CFBK

CF Bankshares Inc. is a bank holding company that operates CFBank, a boutique commercial bank serving entrepreneurs and closely held businesses.

Market cap
$221M+45.1%
Revenue$62.6M+10.3%
Net income$18.8M+4.1%
EPS (diluted)$2.91+4.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$16.5M+6.2%
Net income$5.7M+13.8%
EPS (diluted)$0.90+16.9%

Balance sheet

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Cash & equivalents$253.1M-8.2%
Total debt$5.9M-0.3%
Total equity$194.3M+9.8%
Total assets$2.2B+1.7%

Valuation & ratios

Valuation

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Market cap$221M+45.1%
Enterprise value-$26.19M-77.4%
P/E11.7×+3.2×
P/S3.5×+0.8×

Profitability

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Net margin30.1%-1.8pp

Returns & leverage

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Return on equity10.1%-0.6pp
Debt / equity0.0×

Competitors

Profile

CF Bankshares Inc. is a bank holding company that operates CFBank, a boutique commercial bank serving entrepreneurs and closely held businesses. The company provides a comprehensive suite of commercial, retail, and mortgage lending services, alongside treasury management and depository solutions. Its core value proposition centers on delivering the sophistication of a large national bank with the personalized service and direct access to decision-makers characteristic of a regional boutique firm.

Competitive position

A boutique regional player that differentiates through high-touch service and lack of corporate bureaucracy compared to larger national competitors.

GeographiesOhio, Indiana, United States
Customer segmentsSmall and Medium Enterprises, Retail Consumers, Commercial Real Estate Investors
Business modelInterest-based lending, Fee-for-service, Asset-light mortgage origination
SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB), Depositors, Brokered deposit providers
CustomersSmall business owners, Real estate developers, Homebuyers, Secondary mortgage market investors (Fannie Mae/Freddie Mac)
Listed1998
Employees108.0
CEOTimothy T. O'Dell
Websitecf.bank
FilingsSEC EDGAR

Questions, answered.

What is CF Bankshares's market cap?
CF Bankshares (CFBK) has a market capitalization of $221.0M and trades on NASDAQ.
What is CF Bankshares's revenue and profitability?
CF Bankshares generated $62.6M in trailing twelve-month revenue with net income of $18.8M, representing a net margin of 30.1%. These figures are based on the Q2 2026 filing.
Who are CF Bankshares's competitors?
CF Bankshares's key competitors include Huntington Bancshares Incorporated, Fifth Third Bancorp, KeyCorp, and others. These companies compete in similar markets and product categories.
Who does CF Bankshares partner with?
CF Bankshares's notable partners include Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Small Business Administration, and others.
What subsidiaries does CF Bankshares have?
CF Bankshares's subsidiaries include CFBank, National Association, Central Federal Capital Trust I.
Where is CF Bankshares headquartered?
CF Bankshares is headquartered in United States of America and employs approximately 108 people. It has been publicly traded since 1998.