Latest Ratios: P/E Ratio 11.7x · EV/EBITDA 3.0x · ROE 9.6%. (1998–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $202M | $158M | $161M | $126M | $138M | $137M | $108M | $65M | $51M | $53M | $28M |
| Enterprise Value | $65M | $21M | $40M | $-5720500 | $112M | $76M | $117M | $64M | $18M | $26M | $-11268133 |
| P/E Ratio → | 11.67 | 9.28 | 12.40 | 7.41 | 7.62 | 7.41 | 3.96 | 6.87 | 11.69 | 68.77 | 34.39 |
| P/S Ratio | 1.60 | 1.25 | 1.32 | 1.13 | 1.97 | 2.15 | 1.06 | 1.39 | 1.85 | 2.98 | 1.82 |
| P/B Ratio | 1.08 | 0.86 | 0.96 | 0.81 | 0.99 | 1.09 | 0.98 | 0.80 | 1.11 | 1.32 | 0.72 |
| P/FCF | 11.10 | 8.68 | 11.57 | 7.23 | 3.56 | 0.55 | — | — | — | 14.58 | 16.11 |
| P/OCF | 10.81 | 8.45 | 11.36 | 6.96 | 3.48 | 0.54 | — | — | — | 13.43 | 15.69 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.17 | 0.32 | -0.05 | 1.60 | 1.20 | 1.15 | 1.38 | 0.64 | 1.47 | -0.73 |
| EV / EBITDA | 2.95 | 0.95 | 2.39 | -0.27 | 4.87 | 3.29 | 3.19 | 5.21 | 3.16 | 7.12 | -4.26 |
| EV / EBIT | 3.02 | 0.97 | 2.46 | -0.27 | 4.97 | 3.35 | 3.23 | 5.35 | 3.31 | 7.54 | -4.62 |
| EV / FCF | — | 1.15 | 2.85 | -0.33 | 2.89 | 0.31 | — | — | — | 7.18 | -6.46 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.8% | 41.8% | 35.8% | 43.6% | 71.9% | 86.3% | 75.0% | 71.2% | 74.5% | 80.1% | 78.5% |
| Operating Margin | 17.1% | 17.1% | 13.2% | 18.8% | 32.1% | 35.9% | 35.5% | 25.8% | 19.4% | 19.5% | 15.8% |
| Net Profit Margin | 13.5% | 13.5% | 11.0% | 15.2% | 25.8% | 29.0% | 29.0% | 20.6% | 15.5% | 7.6% | 10.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.6% | 9.6% | 8.3% | 11.5% | 13.7% | 15.7% | 31.0% | 15.2% | 10.0% | 3.4% | 4.2% |
| ROA | 0.8% | 0.8% | 0.6% | 0.9% | 1.1% | 1.2% | 2.5% | 1.2% | 0.7% | 0.3% | 0.4% |
| ROIC | 5.5% | 5.5% | 4.3% | 5.7% | 6.8% | 6.0% | 11.6% | 8.8% | 5.8% | 4.4% | 3.2% |
| ROCE | 1.8% | 1.8% | 5.2% | 7.2% | 9.0% | 7.9% | 15.5% | 11.6% | 7.6% | 5.9% | 4.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.66 | 0.66 | 0.68 | 0.84 | 0.90 | 0.85 | 2.09 | 0.57 | 0.75 | 0.46 | 0.47 |
| Debt / EBITDA | 5.54 | 5.54 | 6.85 | 6.04 | 5.45 | 4.59 | 6.30 | 3.71 | 6.14 | 5.08 | 7.04 |
| Net Debt / Equity | — | -0.74 | -0.72 | -0.85 | -0.19 | -0.48 | 0.08 | -0.00 | -0.73 | -0.67 | -1.00 |
| Net Debt / EBITDA | -6.23 | -6.23 | -7.30 | -6.10 | -1.13 | -2.58 | 0.25 | -0.02 | -5.94 | -7.34 | -14.87 |
| Debt / FCF | — | -7.53 | -8.72 | -7.56 | -0.67 | -0.24 | — | — | — | -7.40 | -22.57 |
| Interest Coverage | 0.33 | 0.33 | 0.23 | 0.35 | 1.19 | 2.21 | 2.49 | 0.90 | 0.76 | 0.98 | 0.79 |
Net cash position: cash ($259M) exceeds total debt ($122M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 15.31 | 15.31 | 0.14 | 0.16 | 0.12 | 0.16 | 0.23 | 0.09 | 0.14 | 0.15 | 0.20 |
| Quick Ratio | 15.31 | 15.31 | 0.14 | 0.16 | 0.12 | 0.16 | 0.23 | 0.09 | 0.14 | 0.15 | 0.20 |
| Cash Ratio | 15.31 | 15.31 | 0.13 | 0.15 | 0.10 | 0.13 | 0.20 | 0.06 | 0.12 | 0.11 | 0.15 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.07 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.0% | 1.2% | 1.0% | 1.2% | 0.8% | 0.6% | 0.2% | — | — | 1.4% | 2.7% |
| Payout Ratio | 11.5% | 11.5% | 12.1% | 8.7% | 6.3% | 4.6% | 0.7% | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.6% | 10.8% | 8.1% | 13.5% | 13.1% | 13.5% | 25.3% | 14.6% | 8.6% | 1.5% | 2.9% |
| FCF Yield | 9.0% | 11.5% | 8.6% | 13.8% | 28.1% | 183.4% | — | — | — | 6.9% | 6.2% |
| Buyback Yield | 0.6% | 0.8% | 0.2% | 0.2% | 1.8% | 2.3% | 0.6% | 0.0% | 0.1% | 0.1% | 0.1% |
| Total Shareholder Yield | 1.6% | 2.0% | 1.2% | 1.4% | 2.6% | 2.9% | 0.8% | 0.0% | 0.1% | 1.5% | 2.8% |
| Shares Outstanding | — | $6M | $6M | $6M | $7M | $7M | $6M | $5M | $4M | $4M | $3M |
Regional CRE concentration risk
Based on recent financial data, CFBK trades at a P/B of 1.08, suggesting that the market currently prices the bank as a cyclical mortgage-sensitive entity rather than a premium commercial franchise, despite its successful strategic pivot toward a boutique, high-touch commercial lending model in the Ohio corridor.
The current valuation multiple appears to discount the bank's structural efficiency gains, likely due to investor concerns regarding the volatility of mortgage-related fee income. Investors should monitor whether the market continues to apply this discount or if the bank's consistent commercial loan growth warrants a re-rating toward a higher P/TBV multiple.
As reported in quarterly filings, CFBK's ROE has fluctuated between 1.1% and 3.1% over the last ten quarters, indicating that profitability is heavily influenced by the interplay between NIM compression and the cyclical contribution of mortgage banking fees within the bank's specialized commercial-centric operating model.
The decomposition of ROE suggests that while the bank maintains a lean cost structure, its profitability is constrained by a relatively thin NIM, which averaged 0.6% in 2026Q1. This implies that the bank's ability to drive higher returns on equity is contingent upon its success in scaling commercial loan volume without sacrificing asset quality or increasing funding costs.
According to historical performance data, CFBK maintained an efficiency ratio of 28.1% in 2026Q1, which demonstrates that the bank's limited five-branch footprint provides a significant operating leverage advantage compared to regional peers that are burdened by the higher overhead costs of traditional, large-scale physical branch networks.
This lean operational profile appears to be a core component of the bank's strategy to offset its relatively low NIM. However, investors should monitor whether this efficiency can be sustained if the bank is forced to increase its investment in personnel to support its relationship-based commercial lending model in a competitive market.
Based on reported financial statements, CFBK has maintained an equity-to-assets ratio of approximately 8% to 9% since 2023Q4, providing a solid capital buffer that supports the bank's ongoing transition toward a specialized commercial lending franchise while maintaining a conservative debt-to-equity ratio of 0.66%.
The bank's capital position appears adequate to absorb potential credit volatility, particularly given its concentration in regional commercial real estate. This capital strength suggests that management has the flexibility to pursue organic growth or return capital to shareholders, provided that regulatory requirements for CRE-heavy institutions remain stable.
As indicated by an analysis of the bank's income statement, the P/E ratio is a frequently misapplied metric for CFBK because it fails to account for the non-cash fair value adjustments related to mortgage servicing rights that can significantly distort reported earnings in any given quarter.
Investors should instead focus on pre-provision net revenue (PPNR) to better understand the underlying profitability of the banking franchise. Relying on P/E may lead to an inaccurate assessment of the bank's earnings power, as it does not distinguish between core interest-based income and volatile, market-driven fee income.
Includes 30+ ratios · 28 years · Updated daily
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Quick answers to the most common questions about buying CFBK stock.
CF Bankshares Inc.'s current P/E ratio is 11.7x. The historical average is 24.9x. This places it at the 47th percentile of its historical range.
CF Bankshares Inc.'s current EV/EBITDA is 3.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.2x.
CF Bankshares Inc.'s return on equity (ROE) is 9.6%. The historical average is -1.1%.
Based on historical data, CF Bankshares Inc. is trading at a P/E of 11.7x. This is at the 47th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
CF Bankshares Inc.'s current dividend yield is 0.98% with a payout ratio of 11.5%.
CF Bankshares Inc. has 41.8% gross margin and 17.1% operating margin. Operating margin between 10-20% is typical for established companies.
CF Bankshares Inc.'s Debt/EBITDA ratio is 5.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.