CFBK
CF Bankshares Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+40/100
Last price
34.60
▲ 0.05 (0.14%)
MARKET · —
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Tool
1D
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Range —
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vs
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Open
—
Prev close
34.55
Day high
34.69
Day low
34.40
Volume
16.67K
Market cap
$224.63M
P/E (TTM)
11.89
52W range
22.10 – 38.11
Trailing performance
Returnvs SPY
1W
+1.38%
-0.6%
1M
-3.08%
-4.2%
3M
+11.29%
+6.8%
6M
+21.11%
+2.9%
YTD
+38.68%
+24.4%
1Y
+44.41%
+28.0%
3Y
+106.57%
+24.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CFBK open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+2.05K
Net buying
Buy transactions
2
2.45K shares
Sell transactions
1
400 shares
Net transactions
+3
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
1.11M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 11, 26 | MCKINNEY MARIANNE Chief Operating Officer |
SELL | 400 | $14.14K | Direct |
| Aug 4, 26 | HOEWELER ROBERT E Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | HOEWELER ROBERT E Director |
STOCK | 1.45K | $0 | Direct |
| Feb 23, 26 | FRAUENBERG JAMES H II Director |
STOCK | 3.50K | $0 | Direct |
| Feb 23, 26 | O DELL TIMOTHY T Chief Executive Officer |
STOCK | 18.00K | $0 | Direct |
| Feb 23, 26 | O DELL TIMOTHY T Chief Executive Officer |
STOCK | 12.75K | $0 | Direct |
| Feb 23, 26 | COCHRAN EDWARD W Director |
STOCK | 3.50K | $0 | Direct |
| Feb 23, 26 | RINGWALD BRADLEY J Officer |
STOCK | 10.50K | $0 | Direct |
| Feb 23, 26 | ROYER DAVID L. Director |
STOCK | 4.50K | $0 | Direct |
| Feb 23, 26 | BEERMAN KEVIN J Chief Financial Officer |
STOCK | 8.50K | $0 | Direct |
| Feb 23, 26 | MCKINNEY MARIANNE Chief Operating Officer |
STOCK | 5.50K | $0 | Direct |
| Feb 23, 26 | MEDER TIMOTHY Officer |
STOCK | 4.50K | $0 | Direct |
| Feb 23, 26 | HOEWELER ROBERT E Director |
STOCK | 5.50K | $0 | Direct |
| Feb 23, 26 | ASH THOMAS P Director |
STOCK | 5.00K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ASH THOMAS P |
Director | 52.42K | Stock Award(Grant) |
BEERMAN KEVIN J |
Chief Financial Officer | 33.82K | Stock Award(Grant) |
COCHRAN EDWARD W |
Director | 353.41K | Stock Award(Grant) |
FRAUENBERG JAMES H II |
Director | 195.36K | Stock Award(Grant) |
HOEWELER ROBERT E |
Director | 75.11K | Stock Gift |
MCKINNEY MARIANNE |
Chief Operating Officer | 14.22K | Sale |
MEDER TIMOTHY |
Officer | 17.12K | Stock Award(Grant) |
O DELL TIMOTHY T |
Chief Executive Officer | 318.15K | Stock Award(Grant) |
RINGWALD BRADLEY J |
Officer | 39.26K | Stock Award(Grant) |
ROYER DAVID L. |
Director | 41.19K | Stock Award(Grant) |
Fundamentals
Market cap$224.63M
Enterprise value$91.63M
Revenue (TTM)$54.82M
Gross profit$54.82M
EBITDA—
Net income$18.43M
EPS (TTM)$2.91
Free cash flow—
Total cash$256.67M
Total debt$123.67M
Book value / share$29.93
Shares outstanding6.42M
Float5.37M
Short % of float2.46%
Dividend yield1.04%
Beta (5Y)0.42
Valuation & profitability ratios
Trailing P/E11.89
Forward P/E8.24
PEG ratio—
Price / sales—
Price / book1.16
EV / revenue1.67
EV / EBITDA—
Gross margin0.00%
Operating margin49.36%
Profit margin34.68%
Return on equity10.24%
Return on assets0.88%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $60.03M | $50.42M | $51.05M | $51.31M | +19.1% |
| Operating revenue | $60.03M | $50.42M | $51.05M | $51.31M | +19.1% |
| Selling, general & admin | $19.08M | $17.16M | $17.93M | $17.50M | +11.2% |
| Pre-tax income | $21.53M | $16.14M | $20.98M | $22.59M | +33.3% |
| Tax provision | $3.99M | $2.76M | $4.05M | $4.43M | +44.6% |
| Net income | $17.54M | $13.39M | $16.94M | $18.16M | +31.0% |
| Net income to common | $17.00M | $13.03M | $16.94M | $18.16M | +30.5% |
| Basic EPS | 2.70 | 2.08 | 2.64 | 2.84 | +29.8% |
| Diluted EPS | 2.69 | 2.06 | 2.63 | 2.78 | +30.6% |
| Basic shares | 6.29M | 6.27M | 6.42M | 6.40M | +0.2% |
| Diluted shares | 6.33M | 6.31M | 6.45M | 6.54M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $259.07M | $235.37M | $261.69M | $151.89M | — | +10.1% |
| Accounts receivable | — | — | — | $39.36M | $24.56M | — |
| Property, plant & equipment | $9.23M | $9.62M | $9.03M | $5.13M | — | -4.1% |
| Total assets | $2.12B | $2.07B | $2.06B | $1.82B | — | +2.5% |
| Long-term debt | $116.00M | $107.68M | $124.96M | $124.38M | — | +7.7% |
| Total debt | $121.88M | $113.91M | $130.26M | $125.82M | — | +7.0% |
| Total liabilities | $1.93B | $1.90B | $1.90B | $1.68B | — | +1.9% |
| Retained earnings | $103.88M | $88.29M | $76.52M | $61.09M | — | +17.7% |
| Shareholder equity | $184.43M | $168.44M | $155.37M | $139.25M | — | +9.5% |
| Net tangible assets | $184.43M | $168.44M | $155.37M | $139.25M | — | +9.5% |
| Shares issued | 6.88M | 6.80M | 6.93M | 6.86M | — | +1.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $17.54M | $13.39M | $16.94M | $18.16M | +31.0% |
| Depreciation & amortisation | $476.00K | $486.00K | $567.00K | $496.00K | -2.1% |
| Stock-based compensation | $1.39M | $1.16M | $1.17M | $899.00K | +20.7% |
| Change in working capital | -$2.92M | -$4.02M | -$487.00K | -$5.44M | +27.4% |
| Operating cash flow | $18.69M | $14.19M | $18.05M | $39.76M | +31.7% |
| Capital expenditure | -$487.00K | -$266.00K | -$661.00K | -$905.00K | -83.1% |
| Investing cash flow | -$25.04M | -$32.99M | -$121.85M | -$353.32M | +24.1% |
| Share buybacks | -$1.43M | -$352.00K | -$299.00K | -$2.51M | -306.3% |
| Dividends paid | -$1.95M | -$1.61M | -$1.48M | -$1.15M | -20.7% |
| Financing cash flow | $30.05M | -$7.52M | $213.61M | $298.75M | +499.7% |
| Free cash flow | $18.20M | $13.92M | $17.39M | $38.86M | +30.7% |
| End cash position | $258.97M | $235.27M | $261.60M | $151.79M | +10.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $16.34M | $14.61M | $15.55M | $15.31M | $15.38M | +11.8% |
| Operating revenue | $16.34M | $14.61M | $15.55M | $15.31M | $15.38M | +11.8% |
| Selling, general & admin | $5.14M | $5.27M | $4.61M | $4.67M | $4.80M | -2.4% |
| Pre-tax income | $7.26M | $5.89M | $6.83M | $2.71M | $6.40M | +23.3% |
| Tax provision | $1.35M | $868.00K | $1.10M | $373.00K | $1.36M | +55.6% |
| Net income | $5.91M | $5.02M | $5.74M | $2.34M | $5.04M | +17.7% |
| Net income to common | $5.73M | $4.87M | $5.56M | $2.27M | $4.88M | +17.7% |
| Basic EPS | 0.91 | 0.77 | 0.88 | 0.36 | 0.77 | +18.2% |
| Diluted EPS | 0.90 | 0.77 | 0.88 | 0.36 | 0.77 | +16.9% |
| Basic shares | 6.32M | 6.29M | 6.28M | 6.29M | 6.30M | +0.5% |
| Diluted shares | 6.36M | 6.31M | 6.35M | 6.35M | 6.34M | +0.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $253.20M | $267.86M | $259.07M | $272.46M | $275.78M | -5.5% |
| Property, plant & equipment | $9.06M | $9.39M | $9.23M | $9.46M | $9.23M | -3.5% |
| Total assets | $2.17B | $2.15B | $2.12B | $2.11B | $2.13B | +1.1% |
| Long-term debt | $114.29M | $116.02M | $116.00M | $115.98M | $115.97M | -1.5% |
| Total debt | $120.21M | $122.09M | $121.88M | $122.02M | $121.90M | -1.5% |
| Total liabilities | $1.98B | $1.96B | $1.93B | $1.93B | $1.96B | +0.9% |
| Retained earnings | $113.65M | $108.32M | $103.88M | $98.67M | $96.85M | +4.9% |
| Shareholder equity | $194.34M | $188.96M | $184.43M | $179.29M | $177.02M | +2.8% |
| Net tangible assets | $194.34M | $188.96M | $184.43M | $179.29M | $177.02M | +2.8% |
| Shares issued | 6.49M | 6.96M | 6.88M | 6.88M | 6.88M | -6.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $5.91M | $5.02M | $5.74M | $2.34M | $5.04M | +17.7% |
| Depreciation & amortisation | $118.00K | $123.00K | $124.00K | $116.00K | $118.00K | -4.1% |
| Stock-based compensation | $483.00K | $366.00K | $320.00K | $370.00K | $401.00K | +32.0% |
| Change in working capital | -$573.00K | -$2.11M | $34.00K | -$1.35M | $152.00K | +72.9% |
| Operating cash flow | $5.08M | $4.73M | $3.05M | $5.48M | $7.96M | +7.4% |
| Capital expenditure | -$48.00K | -$109.00K | -$55.00K | -$263.00K | -$115.00K | +56.0% |
| Investing cash flow | -$37.42M | -$22.72M | -$18.60M | $21.93M | -$5.44M | -64.7% |
| Share buybacks | -$257.00K | -$160.00K | -$439.00K | -$81.00K | -$797.00K | -60.6% |
| Dividends paid | -$586.00K | -$583.00K | -$520.00K | -$519.00K | -$456.00K | -0.5% |
| Financing cash flow | $17.68M | $26.78M | $2.17M | -$30.74M | $32.18M | -34.0% |
| Free cash flow | $5.03M | $4.62M | $2.99M | $5.22M | $7.84M | +8.9% |
| End cash position | $253.10M | $267.76M | $258.97M | $272.36M | $275.68M | -5.5% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.89 | 0.90 | +1.1% |
| Mar 2026 | 0.81 | 0.77 | -4.9% |
| Dec 2025 | 0.76 | 0.88 | +15.8% |
| Sep 2025 | 0.84 | 0.36 | -57.1% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.91 | 1 | $16.80M | +8.3% |
| Next quarter | 0.98 | 1 | $17.40M | +10.5% |
| Current year | 3.56 | 1 | $65.50M | +7.5% |
| Next year | 4.20 | 1 | $73.40M | +12.1% |
Analyst targets & ownership
Mean target$40.00
High target$40.00
Low target$40.00
Implied upside15.61%
Analyst count1
ConsensusNONE
Strong buy / Buy1 / 0
Hold0
Sell / Strong sell0 / 0
Held by insiders17.07%
Held by institutions62.73%
Institutions holding146
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
34.23
+1.09% from price
SMA 20
34.61
-0.02% from price
SMA 50
35.06
-1.31% from price
SMA 100
32.79
+5.51% from price
SMA 200
30.75
+12.50% from price
EMA 12
34.40
+0.57% from price
EMA 26
34.55
+0.14% from price
EMA 50
34.29
+0.90% from price
RSI (14)
50.8
Neutral
MACD (12,26,9)
-0.15
Hist -0.00
ATR (14)
0.65
1.88% of price
Realised vol 30D
11.6%
Annualised
Bollinger upper
35.64
20, 2σ
Bollinger lower
33.58
20, 2σ
50 / 200 cross
Golden
35.06 vs 30.75
Trend bias
Above 200
+12.50%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.32
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
11.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-19.7%
Peak to trough
Max drawdown 5Y
-38.1%
Peak to trough
ATR 14
0.65
1.88% of price
Beta (reported)
0.42
5Y monthly, from filing
Short interest
Shares short
129.69K
Prior 94.38K
Change vs prior
+37.4%
Shorts adding
% of float
2.46%
Normal
% of shares out
2.00%
Against total outstanding
Days to cover
3.3
Liquid
Float
5.37M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 29, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jun 25, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 11, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 2, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Sep 22, 20 | Piper Sandler | INITIATED | — | Neutral |
Dividends & splits
Forward rate$0.36 / yr
Forward yield1.04%
5-year avg yield0.99%
Payout ratio11.68%
Ex-dividend dateOct 9, 2026
Next pay dateOct 20, 2026
Last split181:1000
Split dateAug 21, 2018
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-28
Corporate Changes & Voting Matters
8-K · 2026-05-28
Corporate Changes & Voting Matters
8-K · 2026-05-27
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-05
Corporate Changes & Voting Matters
8-K · 2026-04-24
Proxy Statements
DEF 14A · 2026-04-23
Headlines
CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND.
PR Newswire · 6d ago
Top Premarket Decliners
MT Newswires · 51d ago
CF Bankshares Inc. (CFBK) Beats Q2 Earnings and Revenue Estimates
Zacks · 71d ago
CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 2nd QUARTER 2026.
PR Newswire · 71d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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