Trailing Dividend / Share
$0.31
CF Bankshares Inc. (CFBK) Dividend History
Income profile from 1999 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.0%
Payout Ratio
11.5%
Sustainable
Dividend Streak
5 years
CFBK Dividend Income Check
Safety
11.5% payout ratio with sustainable safety profile.
Consistency
5 straight years of dividend increases.
Income Trend
Yield on cost is 1.8% and trend is rising.
CFBK Dividend Scorecard
Yield & Income
Dividend Yield1.0%
Trailing DPS$0.31
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout11.5%
Earnings SafetySustainable
FCF Payout9.7%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak5 years
3Y CAGR18.6%
5Y CAGR58.5%
Yield on Cost (5Y)1.8%
YOC Trendrising
Total Returns
Buyback Yield0.6%
Total Shareholder Yield1.6%
1Y Total Return33.5%
5Y Total Return67.7%
Div Contribution (5Y)6.3%
Estimated $10K growth (return + dividends):
5Y ago$16,77210Y ago$45,71920Y ago$2,497
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CFBK Income Growth Story
Dividend per share and yield on cost over time (17 years of payments)
CFBK Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
CF Bankshares Inc. distributes 11.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 9.7%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
CFBK has raised its dividend for 5 consecutive years, with a 3-year CAGR of 18.6% and 5-year CAGR of 58.5%.
Total Shareholder Returns
Beyond cash dividends, CFBK returns capital through share repurchases. The combined picture: 1.0% dividend yield, 0.6% buyback yield, 1.6% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 1.8% and is currently rising. The 5-year total return is 67.7%, with dividends contributing 6.3% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $45,719 today.
CFBK Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$1.21
Avg/Payment$0.0605
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Apr 13, 2026Latest | $0.0900 | — | 1.16% | Apr 21, 2026 |
| Jan 15, 2026 | $0.0900 | ↑ +12.5% | 1.14% | Jan 26, 2026 |
| Oct 10, 2025 | $0.0800 | — | 1.29% | Oct 21, 2025 |
| Jul 11, 2025 | $0.0800 | ↑ +14.3% | 1.21% | Jul 21, 2025 |
| Apr 14, 2025 | $0.0700 | — | 1.33% | Apr 22, 2025 |
| Jan 16, 2025 | $0.0700 | — | 1.17% | Jan 27, 2025 |
| Oct 11, 2024 | $0.0700 | ↑ +16.7% | 1.13% | Oct 19, 2024 |
| Jul 11, 2024 | $0.0600 | — | 1.26% | Jul 19, 2024 |
CFBK Dividend vs Peers
Comparable companies in the same industry
#9 yield in peer group
Div Yield
1.0%
#9 of 9
Safety
Sustainable
11.5% payout
Streak
5Y
58.5% 5Y CAGR
Total Shareholder
1.6%
#9 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| CFBKCF Bankshares Inc. | $202M | 1.0% | 11.5% | 5 | Sustainable |
 CZWICitizens Community B… | $227M | 1.6% | 25.0% | 6 | Sustainable |
2nd  NECBNortheast Community … | $384M | 3.5% | 30.0% | 2 | Sustainable |
 HONEHarborOne Bancorp, I… | $522M | 2.6% | 47.8% | 6 | Sustainable |
1st  FFICFlushing Financial C… | $524M | 5.7% | 1.6% | 0 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
 CHMGChemung Financial Co… | $364M | 1.7% | 41.9% | 1 | Sustainable |
 FXNCFirst National Corpo… | $276M | 2.0% | 31.2% | 11 | Sustainable |
 OVBCOhio Valley Banc Cor… | $210M | 2.0% | 27.5% | 3 | Sustainable |
CFBK Annual Dividend History (1998–2026)
29 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.18 | — | 2 | — | — | — | 1.1% |
| 2025 | $0.30 | 20.0% | 4 | $2.69 | 11.2% | 8.97x | 1.8% |
| 2024 | $0.25 | 8.7% | 4 | $2.06 | 12.1% | 8.24x | 1.5% |
| 2023 | $0.23 | 27.8% | 4 | $2.63 | 8.7% | 11.43x | 1.4% |
| 2022 | $0.18 | 38.5% | 4 | $2.78 | 6.5% | 15.44x | 1.1% |
| 2021 | $0.13 | 333.3% | 4 | $2.77 | 4.7% | 21.31x | 0.8% |
| 2020 | $0.03 | — | 1 | $4.47 | 0.7% | 149.00x | 0.2% |
| 2019 | $0.00 | — | 0 | $2.03 | — | — | — |
| 2018 | $0.00 | — | 0 | $1.00 | — | — | — |
| 2017 | $0.00 | — | 0 | $0.22 | — | — | — |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
27+ years return with dividends reinvested.
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DCA Calculator
See how regular investing compounds over time.
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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CFBK — Frequently Asked Questions
Quick answers to the most common questions about buying CFBK stock.
How much dividend does CFBK pay per share?
CF Bankshares Inc. (CFBK) pays a trailing 12-month dividend of $0.31 per share, with a current dividend yield of +1.0%. Payments are made Semi-Annual.
When is CFBK's next ex-dividend date?
CFBK's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CFBK typically pays dividends Semi-Annual.
Is CFBK's dividend safe?
CFBK's dividend safety is rated "Sustainable" based on an earnings payout ratio of +11.5% and FCF payout ratio of +9.7%. The 5-year growth streak provides moderate confidence.
Is CFBK a Dividend Payer?
Yes, CF Bankshares Inc. is classified as a Dividend Payer with 5 consecutive years of dividend increases. The 5-year dividend CAGR is +58.5%, demonstrating above-inflation dividend growth.
How often does CFBK pay dividends?
CF Bankshares Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.31 per share. Dividend data on this page covers 27+ years from 1999 to 2026.
How much would $10,000 invested in CFBK grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CFBK five years ago would be worth approximately $16,772 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CFBK's yield on cost for long-term holders?
CFBK's yield on cost — the current dividend divided by the original purchase price — is +1.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.0% market yield, thanks to consistent dividend growth.