ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is CF Bankshares, Inc. ?
1
High Management Efficiency with a high ROA of 0.97%
2
Strong Long Term Fundamental Strength with a 1.71% CAGR growth in Net Profits
3
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 0.94%
- CREDIT DEPOSIT RATIO(HY) Lowest at 98.02%
4
With ROA of 0.59%, it has a fair valuation with a 0.92 Price to Book Value
- Over the past year, while the stock has generated a return of -14.32%, its profits have fallen by -7.7%
5
High Institutional Holdings at 43.94%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -14.32% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CF Bankshares, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CF Bankshares, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
CF Bankshares, Inc.
-16.09%
1.19
21.02%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.45%
EBIT Growth (5y)
-0.01%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
12.11%
Pledged Shares
0
Institutional Holding
43.94%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.92
EV to EBIT
0.61
EV to EBITDA
0.59
EV to Capital Employed
0.42
EV to Sales
0.09
PEG Ratio
NA
Dividend Yield
83.04%
ROCE (Latest)
69.70%
ROE (Latest)
8.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NII(Q)
Highest at USD 14 MM
OPERATING CASH FLOW(Y)
Highest at USD 21.54 MM
CASH AND EQV(HY)
Highest at USD 516.67 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 30.36 MM
OPERATING PROFIT(Q)
Highest at USD 6.4 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.08 %
PRE-TAX PROFIT(Q)
Highest at USD 6.4 MM
NET PROFIT(Q)
Highest at USD 4.88 MM
EPS(Q)
Highest at USD 0.77
-3What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.02%
Here's what is working for CF Bankshares, Inc.
NII
Highest at USD 14 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 21.54 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 30.36 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 6.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 21.08 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 6.4 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 6.4 MM has Grown at 42.55%
over average net sales of the previous four periods of USD 4.49 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 4.88 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.77
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 516.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 13.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for CF Bankshares, Inc.
Non Performing Loans (%)
Highest at 0.94%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 98.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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