What is the 13F Pro Quality Score for CFBK?

13F Pro ranks CF BANKSHARES INC. (CFBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CFBK's current score at https://13fpro.ai/research/CFBK (free sign-up required for the full ranking).

Which hedge funds own the most CFBK stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CFBK include Fourthstone, BlackRock,, ALLIANCEBERNSTEIN L.P.. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CFBK as soon as new 13F filings post.

Where does 13F Pro source CFBK data?

All CF BANKSHARES INC. fundamentals and ownership data come directly from SEC EDGAR. CF BANKSHARES INC. files with the SEC under CIK 1070680. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CFBK in?

CF BANKSHARES INC. (CFBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CFBK research updated on 13F Pro?

CFBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CF BANKSHARES INC.(CFBK)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CFBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CF BANKSHARES INC. (CFBK), a Financials sector company. CFBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), CF BANKSHARES INC. reports quarterly revenue of $14.8M, net income of $5.0M, an operating margin of 39.8%. Top institutional holders of CFBK by reported 13-F value include Fourthstone, BlackRock,, ALLIANCEBERNSTEIN L.P., based on the most recent SEC filings. CFBK trades on the Nasdaq exchange and files with the SEC under CIK 1070680. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CFBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CF BANKSHARES INC. directly from SEC EDGAR.

Revenue

Q1 2026

$14.8M

Net Income

Q1 2026

$5.0M

Free Cash Flow

Q1 2026

$4.6M

Operating Margin

Q1 2026

39.8%

ROIC

Q1 2026

3.1%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-21.0% YoY

$13.4MFY 2024

FY20 $29.6MFY21 $18.5MFY23 $16.9MFY24 $13.4M

EPS (Diluted)

-21.7% YoY

$2.06FY 2024

FY20 $4.47FY21 $2.77FY23 $2.63FY24 $2.06

Total Assets

+0.3% YoY

$2.07BFY 2024

FY20 $1.48BFY21 $1.50BFY23 $2.06BFY24 $2.07B

Total Debt

—FY 2024

FY20 $79.5MFY21 $24.3MFY23 —FY24 —

Op. Cash Flow

-21.4% YoY

$14.2MFY 2024

FY20 $-123.5MFY21 $253.3MFY23 $18.1MFY24 $14.2M

Metric	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019	FY 2018
Net Income	$13.4M -21.0%	$16.9M -8.2%	$18.5M -37.7%	$29.6M +208.4%	$9.6M +124.7%	$4.3M
EPS (Diluted)	$2.06 -21.7%	$2.63 -5.1%	$2.77 -38.0%	$4.47 +120.2%	$2.03 +103.0%	$1.00
Total Assets	$2.07B +0.3%	$2.06B +37.6%	$1.50B +1.3%	$1.48B +67.7%	$880.5M +32.4%	$665.0M
Total Debt	—	—	$24.3M -69.5%	$79.5M +535.2%	$12.5M -35.8%	$19.5M
Operating Cash Flow	$14.2M -21.4%	$18.1M -92.9%	$253.3M +305.2%	$-123.5M -19.2%	$-103.5M -776.7%	$-11.8M

AI Insight: CFBK Financial Trends

CFBK equity grows steadily to $189M in Q1 2026, but net income remains volatile quarter-to-quarter with no clear acceleration.

• Equity expanded consecutively every quarter from $160M in Q2 2024 to $189M in Q1 2026, a $29M cumulative increase.

• Net income swung between $2M and $6M across eight quarters, showing no sustained upward trend.

• Operating cash flow is highly erratic, ranging from -$1M in Q3 2024 to $13M in Q4 2024, with Q1 2026 at $5M.

⚠ Net income dropped to $2M in Q3 2025 — matching the series low — before rebounding, signaling recurring earnings volatility.

⚠ Revenue and operating income data are entirely absent; profitability drivers cannot be assessed without these figures.

AI Insight: CFBK Ratio Trends

CFBK's profitability has stabilized in the 10–12% ROE band after a weak Q2 2024 (4.2%) and a one-off dip in Q3 2025 (5.2%), with Q4 2025 posting the cycle-high ROE of 12.4%.

• ROE recovered sharply from 4.2% in Q2 2024 to 12.4% in Q4 2025, reflecting a sustained profitability improvement over six quarters.

• ROA held steady at 0.9% across Q4 2024, Q1 2025, Q2 2025, and Q1 2026, signaling consistent asset-level earnings efficiency.

• ROIC peaked at 14.8% in Q4 2025, up from 4.8% in Q2 2024, before moderating to 12.5% in Q1 2026.

⚠ Q3 2025 saw ROE collapse to 5.2% and ROIC to 6.0% — a sharp single-quarter drop; whether this recurs warrants close monitoring.

⚠ TTM ROE of 9.6% trails the Q4 2025 quarterly peak of 12.4%, suggesting recent quarters are dragging the trailing average down.

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Available Research

13F Pro tracks comprehensive data for CF BANKSHARES INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CFBK

Fourthstone LLC
$17.8M639,378 sh
BlackRock, Inc.
$8.7M310,312 sh
ALLIANCEBERNSTEIN L.P.
$6.0M240,563 sh
VANGUARD CAPITAL MANAGEMENT LLC
$5.6M202,001 sh
FIRST MANHATTAN CO. LLC.
$5.2M187,022 sh
Daytona Street Capital LLC
$4.3M151,386 sh
rhino investment partners, Inc
$3.5M125,377 sh
FIFTH THIRD BANCORP
$3.2M114,914 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.0M107,007 sh
RENAISSANCE TECHNOLOGIES LLC
$2.6M94,479 sh

Fund	Value	Shares
Fourthstone LLC	$17.8M	639,378
BlackRock, Inc.	$8.7M	310,312
ALLIANCEBERNSTEIN L.P.	$6.0M	240,563
VANGUARD CAPITAL MANAGEMENT LLC	$5.6M	202,001
FIRST MANHATTAN CO. LLC.	$5.2M	187,022
Daytona Street Capital LLC	$4.3M	151,386
rhino investment partners, Inc	$3.5M	125,377
FIFTH THIRD BANCORP	$3.2M	114,914
GEODE CAPITAL MANAGEMENT, LLC	$3.0M	107,007
RENAISSANCE TECHNOLOGIES LLC	$2.6M	94,479

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Is CFBK a good stock to buy?

13F Pro's AI-powered analysis of CF BANKSHARES INC. (CFBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CFBK are available on the CFBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CFBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CFBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CF BANKSHARES INC.'s investment landscape.