CF Bankshares Inc. cash flow to debt ratio of 15.33% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

CF Bankshares Inc.'s free cash flow has increased 30.73% from $13.92M last year to $18.20M, signaling increasing performance

CF Bankshares Inc.'s debt to equity ratio is 0.62, which means that the company's assets are unhealthy financed, signaling financial risk.

CF Bankshares Inc.'s debt has decreased relative to shareholder equity from 0.68 last year to 0.62 today, signaling strengthened financials

CF Bankshares Inc. has a net cash position, so leverage is healthy.

CF Bankshares Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

CF Bankshares Inc.'s profit margin has increased (37.82%) in the last year from 10.96% to 15.10%, signaling increasing performance

CF Bankshares Inc.'s short-term assets of $259.07M exceed its short-term liabilities of $16.92M

CF Bankshares Inc.'s return on assets of 0.87% is lower than the 5.00% threshold, indicating inefficient asset utilization

CF Bankshares Inc.'s return on equity of 10.09%, is lower than 15.00%, indicating bad performance

CF Bankshares Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

CF Bankshares Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

CF Bankshares Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

CF Bankshares Inc. has a free cash flow yield of 8.02%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

CF Bankshares Inc.'s yearly earnings has increased 27.00% since last year from $13.39M to $17.00M, signaling increasing performance

CF Bankshares Inc.'s yearly revenue has decreased 1.78% since last year from $122.16M to $120.00M, signaling decreasing performance

ROIC 0.88% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

CF Bankshares Inc.'s 3-year revenue CAGR of 21.45% is positive, indicating growing revenue over the past 3 years

CF Bankshares Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

CF Bankshares Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

CF Bankshares Inc. has insufficient data to evaluate this check.

CF Bankshares Inc. has an earnings yield of 8.45%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

CF Bankshares Inc. is undervalued relative to its fair value price of 44.73 based on EBITDA multiple model

CF Bankshares Inc. has an EV/EBITDA ratio of 3.29x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

CF Bankshares Inc. is undervalued relative to its fair value price of 51.58 based on Earnings Fair Value model

CF Bankshares Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

CF Bankshares Inc. has a price-to-book ratio of 1.15x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

CF Bankshares Inc. has a price-to-sales ratio of 1.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue