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Upturn AI SWOT - About
CFBK 
CF Bankshares Inc (CFBK)
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Upturn Advisory Summary
04/04/2025: CFBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 32.37% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 125.39M USD | Price to earnings Ratio 9.51 | 1Y Target Price 18 |
Price to earnings Ratio 9.51 | 1Y Target Price 18 | ||
Volume (30-day avg) 11770 | Beta 0.44 | 52 Weeks Range 16.76 - 31.07 | Updated Date 04/6/2025 |
52 Weeks Range 16.76 - 31.07 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 1.42% | Basic EPS (TTM) 2.06 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.69% | Operating Margin (TTM) 45.02% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 8.27% |
Valuation
Trailing PE 9.51 | Forward PE - | Enterprise Value 7224746 | Price to Sales(TTM) 2.78 |
Enterprise Value 7224746 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 4.75 | Enterprise Value to EBITDA - | Shares Outstanding 5136630 | Shares Floating 3792851 |
Shares Outstanding 5136630 | Shares Floating 3792851 | ||
Percent Insiders 21.12 | Percent Institutions 45.81 |
Analyst Ratings
Rating 3 | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CF Bankshares Inc
Company Overview
History and Background
CF Bankshares Inc. was founded in 1892 as Citizens Federal Savings and Loan Association. It evolved into a commercial bank, CFBank, and its holding company, CF Bankshares Inc. It has grown through organic expansion and strategic acquisitions, focusing on serving small to medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, deposit accounts, and treasury management services to small and medium-sized businesses.
- Consumer Banking: Offers personal checking and savings accounts, mortgage loans, and other consumer lending products.
- Wealth Management: Provides investment advisory and wealth management services to individuals and families.
Leadership and Structure
CF Bankshares Inc. is led by a board of directors and a senior management team. The organizational structure includes departments for commercial lending, consumer banking, wealth management, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to small and medium-sized businesses, including term loans, lines of credit, and commercial real estate loans. Market share data not publicly available. Competitors include larger national and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not publicly available. Competitors include national and regional banks, as well as online banking platforms.
- Mortgage Loans: Residential mortgage loans for home purchases and refinances. Market share data not publicly available. Competitors include national mortgage lenders and local community banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased competition, rising interest rates, and evolving regulatory landscape and increased regulatory scrutiny of mergers. Technological advancements and changing consumer preferences are also driving significant changes.
Positioning
CF Bankshares Inc. positions itself as a community bank offering personalized service and local expertise. Its competitive advantages include its strong relationships with local businesses and its ability to offer customized financial solutions.
Total Addressable Market (TAM)
The TAM for community banking in the US is substantial, estimated at hundreds of billions of dollars. CF Bankshares Inc.'s is positioned to grow with it's targeted geographical region by focusing on small and medium-sized businesses within its regional footprint.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Personalized customer service
- Strong relationships with local businesses
- Efficient operations
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition than national banks
Opportunities
- Expansion into new markets
- Acquisition of other community banks
- Increased demand for local banking services
- Development of new products and services
- Technological innovation
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
Competitive Landscape
CF Bankshares Inc. faces intense competition from larger national and regional banks with greater resources and brand recognition. Its advantage lies in its local focus and personalized service, but it must continue to innovate and adapt to changing market conditions to remain competitive.
Major Acquisitions
First Bancorp of Ohio
- Year: 2016
- Acquisition Price (USD millions): 19
- Strategic Rationale: Expanded CFBanku2019s presence in the Columbus, Ohio market.
Growth Trajectory and Initiatives
Historical Growth: Discuss CF Bankshares Inc's growth trends over the past years.
Future Projections: Provide projections for CF Bankshares Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by CF Bankshares Inc.
Summary
CF Bankshares is a small community bank in a competitive landscape. Their strength lies in local service and relationships, but they face challenges from larger banks. Strategic acquisitions and technological adaptations are key for future success. Focus on profitable growth and risk management remains crucial.
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Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CF Bankshares Inc
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 1998-12-30 | President, CEO & Director Mr. Timothy T. O'Dell | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 102 | Website https://www.cf.bank |
Full time employees 102 | Website https://www.cf.bank | ||
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and commercial and retail banking services and products. In addition, it provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, the company offers online internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is headquartered in Columbus, Ohio.
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