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CF Bankshares Financial Ratios 2025-2008 | CFBK
Brief overview of CF Bankshares 's multiples and efficiency
The comparison uses the five latest available annual observations between 2021 and 2025.
The valuation comparison uses P/E 8.59x (median 7.6x), P/B 0.82x (median 0.82x), P/CF 8.04x (median 5.55x). Ratios sit near their own comparison base, with an average deviation of +13.1% from five-year medians.
Earnings yield calculated as 1/P/E is about 11.6%, showing current profit per unit of share price.
Returns on assets and capital are represented by ROE 9.5%, ROA 0.8%. Profitability remains low. Market valuation has limited fundamental support until resource returns improve.
The PEG ratio is 1.33x, reflecting a relatively balanced link between valuation and growth.
For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.
Valuation takeaway
CF Bankshares 's profile looks neutral, with price and fundamental efficiency broadly aligned.
Annual Financial Ratios CF Bankshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
8.6 | 9.4 | 5.9 | 7.0 | 7.6 | 3.9 | 6.7 | 12.7 | 34.5 | 21.8 | 560.1 | 41.5 | -24.2 | -2.7 | -0.5 | - | - | - |
P/S |
- | - | - | - | - | - | 1.9 | 2.6 | 3.3 | 2.9 | 25.3 | 2.0 | 3.7 | 1.9 | 0.3 | - | - | - |
EPS |
2.7 | 2.1 | 2.6 | 2.8 | 2.8 | 4.5 | 2.0 | 1.0 | 0.2 | 0.1 | 0.2 | - | -0.1 | 0.1 | -7.1 | -8.8 | -2.5 | - |
EV (Enterprise Value) |
1.82 B | 1.79 B | 1.74 B | 1.66 B | 1.34 B | 1.26 B | 818 M | 606 M | 442 M | 374 M | 523 M | 273 M | 236 M | 177 M | 182 M | 225 M | -2.97 M | -4.18 M |
EBITDA per Share |
0.08 | 0.08 | 0.09 | 0.08 | 0.07 | 0.06 | - | - | - | - | 0.0137 | - | - | - | - | - | - | - |
EV/EBITDA |
3832.5 | 3677.6 | 3071.9 | 3339.7 | 3081.2 | 14.9 | - | - | - | - | 501.2 | - | - | - | - | 442.9 | -6.2 | - |
PEG |
1.33 | - | - | - | - | 0.02 | 0.07 | 0.09 | -1.32 | -0.39 | -15.77 | 0.39 | -0.27 | -0.03 | -0.02 | - | - | - |
P/B |
0.8 | 0.7 | 0.6 | 0.9 | 1.1 | 1.0 | 0.8 | 1.2 | 1.2 | 0.9 | 7.8 | 0.6 | 1.0 | 0.4 | 0.3 | - | - | - |
P/CF |
8.0 | 8.8 | 5.5 | 3.2 | 0.6 | -0.9 | -0.6 | -4.4 | 12.8 | 20.3 | -155.3 | 33.4 | -5.0 | -10.4 | 6.1 | - | - | - |
ROE % |
9.49 | 7.96 | 10.88 | 13.05 | 14.72 | 26.87 | 11.90 | 9.38 | 3.34 | 4.14 | 1.39 | 1.39 | -4.02 | -15.93 | -54.56 | -42.97 | -42.58 | - |
ROA % |
0.83 | 0.65 | 0.82 | 1.00 | 1.23 | 2.00 | 1.09 | 0.64 | 0.28 | 0.37 | 0.15 | 0.15 | -0.36 | -1.75 | -2.16 | -2.50 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.1 | 0.1 | 0.1 | 0.1 | - | 0.1 | 0.1 | 0.1 | 0.3 | 1.1 | - | - |
DSO |
- | - | - | - | - | - | 134.8 | 122.2 | 120.4 | 135.1 | - | 111.2 | 171.1 | 162.3 | 110.1 | - | - | - |
DPO |
- | - | - | - | - | 56.8 | - | - | - | - | - | - | - | - | - | 110.6 | - | - |
Cash Conversion Cycle |
- | - | - | - | - | -56.8 | - | - | - | - | - | - | - | - | - | -110.6 | - | - |
All numbers in USD currency
Quarterly Financial Ratios CF Bankshares
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.91 | 0.77 | 0.36 | 0.77 | 0.68 | 0.65 | 0.26 | 0.48 | 0.63 | 0.66 | 0.69 | - | 0.66 | 0.74 | 0.7 | - | 0.63 | 0.53 | 0.98 | - | 1.56 | 1.54 | 0.31 | - | 0.59 | 0.55 | 0.39 | - | 0.24 | 0.26 | 0.18 | - | 0.16 | 0.02 | 0.01 | - | 0.02 | 0.01 | 0.01 | - | 0.01 | 0.02 | - | - | 0.01 | - | -0.01 | - | -0.02 | -0.04 | -0.05 | - | 0.38 | -0.96 | -1.03 | - | -0.66 | -2.45 | -2.2 |
EBITDA per Share |
0.04 | 0.02 | - | - | 0.02 | - | - | 0.02 | - | - | 0.02 | - | 0.09 | 0.04 | 0.02 | - | 0.05 | 0.03 | 0.01 | - | 0.04 | 0.03 | 0.02 | - | 0.05 | 0.03 | 0.02 | - | 0.04 | 0.03 | 0.01 | - | 0.05 | 0.01 | - | - | 0.01 | 0.01 | - | - | 0.01 | 0.01 | - | - | 0.01 | 0.01 | - | - | 0.01 | 0.01 | - | - | 0.02 | 0.16 | 0.08 | - | 0.38 | 0.27 | - |
ROE % |
9.85 | 9.37 | 9.28 | 9.04 | 8.13 | 8.23 | 8.54 | 10.58 | 11.78 | 12.68 | 13.34 | 10.23 | 13.54 | 13.30 | 15.24 | 11.72 | 20.97 | 26.79 | 25.70 | 20.20 | 23.44 | 17.03 | 9.97 | 8.15 | 10.47 | 9.71 | 8.62 | 6.53 | 8.24 | 7.30 | 5.82 | 4.09 | 5.37 | 4.74 | 4.17 | 3.16 | 4.02 | 3.96 | 3.54 | 2.74 | 3.56 | 2.99 | 1.15 | 0.49 | -1.19 | -4.44 | -8.27 | -7.65 | -15.72 | -16.93 | -20.53 | -16.99 | -21.36 | -32.56 | -46.91 | -40.89 | -4.37 | -19.28 | -17.24 |
ROA % |
0.85 | 0.79 | 0.76 | 0.73 | 0.65 | 0.64 | 0.65 | 0.80 | 0.89 | 0.98 | 1.06 | 0.83 | 1.13 | 1.12 | 1.22 | 0.93 | 1.62 | 2.00 | 1.91 | 1.51 | 1.80 | 1.37 | 0.88 | 0.75 | 0.91 | 0.78 | 0.64 | 0.45 | 0.59 | 0.55 | 0.46 | 0.34 | 0.46 | 0.41 | 0.37 | 0.29 | 0.38 | 0.40 | 0.37 | 0.30 | 0.39 | 0.33 | 0.13 | 0.05 | -0.10 | -0.40 | -0.75 | -0.68 | -1.57 | -1.74 | -2.18 | -1.87 | -2.04 | -1.92 | -2.28 | -1.62 | -0.17 | -0.76 | -0.68 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | 1.0 | 1.0 | 1.0 |
DPO |
- | - | - | - | - | - | - | - | - | - | - | - | 360.6 | 384.6 | 371.5 | - | 344.8 | 288.9 | 338.0 | - | 271.6 | 319.5 | 430.5 | - | 218.0 | 236.4 | 208.6 | - | 197.8 | 207.9 | 182.3 | - | 176.8 | 183.0 | 173.8 | - | 170.2 | 185.8 | 182.0 | - | 172.3 | 165.2 | 183.7 | - | 209.9 | 235.1 | 207.9 | - | 218.2 | 220.2 | 245.9 | - | 224.1 | 238.2 | 246.7 | - | -260.9 | 253.6 | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | -360.6 | -384.6 | -371.5 | - | -344.8 | -288.9 | -338.0 | - | -271.6 | -319.5 | -430.5 | - | -218.0 | -236.4 | -208.6 | - | -197.8 | -207.9 | -182.3 | - | -176.8 | -183.0 | -173.8 | - | -170.2 | -185.8 | -182.0 | - | -172.3 | -165.2 | -183.7 | - | -209.9 | -235.1 | -207.9 | - | -218.2 | -220.2 | -245.9 | - | -224.1 | -238.2 | -246.7 | - | 260.9 | -253.6 | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company CF Bankshares , allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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