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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.22
CFBK's Cash to Debt is ranked higher than
80% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CFBK: 3.22 )
CFBK' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 3.22

Equity to Asset 0.09
CFBK's Equity to Asset is ranked higher than
59% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. CFBK: 0.09 )
CFBK' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.22
Current: 0.09

0.04
0.22
F-Score: 3
Z-Score: -0.10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) -66.77
CFBK's Operating margin (%) is ranked lower than
57% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. CFBK: -66.77 )
CFBK' s 10-Year Operating margin (%) Range
Min: -118.21   Max: 23.39
Current: -66.77

-118.21
23.39
Net-margin (%) -66.77
CFBK's Net-margin (%) is ranked lower than
58% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 vs. CFBK: -66.77 )
CFBK' s 10-Year Net-margin (%) Range
Min: -100.15   Max: 15.97
Current: -66.77

-100.15
15.97
ROE (%) -15.93
CFBK's ROE (%) is ranked lower than
57% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 vs. CFBK: -15.93 )
CFBK' s 10-Year ROE (%) Range
Min: -54.56   Max: 3.83
Current: -15.93

-54.56
3.83
ROA (%) -1.75
CFBK's ROA (%) is ranked lower than
58% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. CFBK: -1.75 )
CFBK' s 10-Year ROA (%) Range
Min: -3.61   Max: 0.61
Current: -1.75

-3.61
0.61
ROC (Joel Greenblatt) (%) -70.83
CFBK's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. CFBK: -70.83 )
CFBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -174.02   Max: 118.49
Current: -70.83

-174.02
118.49
Revenue Growth (%) -58.10
CFBK's Revenue Growth (%) is ranked lower than
54% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CFBK: -58.10 )
CFBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 10.1
Current: -58.1

0
10.1
EBITDA Growth (%) -64.00
CFBK's EBITDA Growth (%) is ranked lower than
51% of the 1124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. CFBK: -64.00 )
CFBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 133.3
Current: -64

0
133.3
» CFBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/B 1.10
CFBK's P/B is ranked higher than
66% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. CFBK: 1.10 )
CFBK' s 10-Year P/B Range
Min: 0.24   Max: 1.98
Current: 1.1

0.24
1.98
P/S 3.40
CFBK's P/S is ranked lower than
57% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. CFBK: 3.40 )
CFBK' s 10-Year P/S Range
Min: 0.18   Max: 10.68
Current: 3.4

0.18
10.68
EV-to-EBIT 111.10
CFBK's EV-to-EBIT is ranked lower than
75% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. CFBK: 111.10 )
CFBK' s 10-Year EV-to-EBIT Range
Min: 35.9   Max: 410.7
Current: 111.1

35.9
410.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
CFBK's Price/Tangible Book is ranked higher than
70% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. CFBK: 1.10 )
CFBK' s 10-Year Price/Tangible Book Range
Min: 0.24   Max: 1.69
Current: 1.1

0.24
1.69
Price/DCF (Projected) 1.70
CFBK's Price/DCF (Projected) is ranked lower than
68% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. CFBK: 1.70 )
CFBK' s 10-Year Price/DCF (Projected) Range
Min: 0.09   Max: 3.9
Current: 1.7

0.09
3.9
Price/Median PS Value 1.90
CFBK's Price/Median PS Value is ranked lower than
71% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. CFBK: 1.90 )
CFBK' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 4.54
Current: 1.9

0.08
4.54
Earnings Yield (Greenblatt) 0.90
CFBK's Earnings Yield (Greenblatt) is ranked lower than
64% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. CFBK: 0.90 )
CFBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 2.8
Current: 0.9

0.2
2.8
Forward Rate of Return (Yacktman) 20.64
CFBK's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. CFBK: 20.64 )
CFBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.8   Max: -3.7
Current: 20.64

-27.8
-3.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Central Federal Corp was formerly known as Grand Central Financial Corp., was organized as a Delaware corporation in September 1998 as the holding company for CFBank in connection with CFBank's conversion from a mutual to stock form of organization. CFBank is a community-oriented financial institution offering a variety of financial services to meet the needs of the communities its serve. The Company's business model emphasizes personalized service, clients' access to decision makers, solution-driven lending and quick execution, efficient use of technology and the convenience of online internet banking, mobile banking, remote deposit, corporate cash management and telephone banking. The Company's attract retail and business deposits from the general public and use the deposits, together with borrowings and other funds, primarily to originate commercial and commercial real estate loans, single-family and multi-family residential mortgage loans and home equity lines of credit. The majority of its customers are small businesses, small business owners and consumers. Revenues are derived mainly from the generation of interest and fees on loans originated and, to a lesser extent, interest and dividends on securities. The Company's main sources of funds are retail and business deposit accounts and certificates of deposit, brokered certificates of deposit and, to a lesser extent, principal and interest payments on loans and securities, Federal Home Loan Bank advances, other borrowings and proceeds from the sale of loans. The main market area for loans and deposits includes the following Ohio counties: Summit County through its office in Fairlawn, Ohio; Franklin County through office in Worthington, Ohio; and Columbiana County through offices in Calcutta and Wellsville, Ohio. The Company originates commercial and conventional real estate loans and business loans mainly throughout Ohio. The Company's direct competition comes from a number of financial institutions operating in its market area, many with a statewide or regional presence, and in some cases, a national presence. Competition for loans and deposits comes from savings institutions, mortgage banking companies, commercial banks, credit unions, brokerage firms and insurance companies. The Company is subject to regulation, periodic examination, enforcement authority and oversight by the FED. CFBank, as a federally chartered savings institution, is subject to regulation, periodic examination, enforcement authority and oversight by the OCC extending to all aspects of CFBank's operations.

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