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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 2.23
CFBK's Cash-to-Debt is ranked higher than
52% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CFBK: 2.23 )
Ranked among companies with meaningful Cash-to-Debt only.
CFBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.81 Max: 4.43
Current: 2.23
0.06
4.43
Equity-to-Asset 0.07
CFBK's Equity-to-Asset is ranked lower than
70% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. CFBK: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
CFBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.11 Max: 0.22
Current: 0.07
0.04
0.22
Debt-to-Equity 0.61
CFBK's Debt-to-Equity is ranked higher than
55% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.72 vs. CFBK: 0.61 )
Ranked among companies with meaningful Debt-to-Equity only.
CFBK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.36  Med: 1.06 Max: 2.67
Current: 0.61
0.36
2.67
Debt-to-EBITDA 1.43
CFBK's Debt-to-EBITDA is ranked higher than
59% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.99 vs. CFBK: 1.43 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CFBK' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.43
Beneish M-Score: -2.26
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 : 3/10

vs
industry
vs
history
Net Margin % 14.32
CFBK's Net Margin % is ranked lower than
76% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CFBK: 14.32 )
Ranked among companies with meaningful Net Margin % only.
CFBK' s Net Margin % Range Over the Past 10 Years
Min: -102.31  Med: -3.96 Max: 40.17
Current: 14.32
-102.31
40.17
ROE % 6.23
CFBK's ROE % is ranked lower than
75% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CFBK: 6.23 )
Ranked among companies with meaningful ROE % only.
CFBK' s ROE % Range Over the Past 10 Years
Min: -45.12  Med: 0.96 Max: 9.94
Current: 6.23
-45.12
9.94
ROA % 0.51
CFBK's ROA % is ranked lower than
75% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFBK: 0.51 )
Ranked among companies with meaningful ROA % only.
CFBK' s ROA % Range Over the Past 10 Years
Min: -3.59  Med: -0.11 Max: 1.34
Current: 0.51
-3.59
1.34
3-Year Revenue Growth Rate 5.10
CFBK's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CFBK: 5.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -66.7  Med: -5.4 Max: 74.7
Current: 5.1
-66.7
74.7
3-Year EPS without NRI Growth Rate 122.40
CFBK's 3-Year EPS without NRI Growth Rate is ranked higher than
98% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CFBK: 122.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 122.4
Current: 122.4
0
122.4
GuruFocus has detected 2 Warning Signs with Central Federal Corp CFBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFBK's 30-Y Financials

Financials (Next Earnings Date: 2019-02-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

CFBK Guru Trades in Q4 2017

Jim Simons 61,900 sh (+259.88%)
» More
Q1 2018

CFBK Guru Trades in Q1 2018

Jim Simons 63,084 sh (+1.91%)
» More
Q2 2018

CFBK Guru Trades in Q2 2018

Jim Simons 57,890 sh (-8.23%)
» More
Q3 2018

CFBK Guru Trades in Q3 2018

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CFBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6011
Compare:OTCPK:CBKM, NAS:ESBK, OTCPK:KTHN, OTCPK:DBCP, OTCPK:PMHG, AMEX:SGB, OTCPK:UNIB, NAS:MELR, OTCPK:SBKK, OTCPK:CBWA, NAS:BCTF, OTCPK:CBAF, OTCPK:PKKW, OTCPK:HLND, OTCPK:MVLY, OTCPK:SABK, OTCPK:CFST, NAS:HBK, OTCPK:FIIT, OTCPK:FWVB » details
Headquarter Location:USA
Central Federal Corp is a financial holding company for CFBank. The company through its subsidiary offers a variety of financial services including residential lending and full service retail banking services and products.

Central Federal Corp. is a holding company of CFBank, which is engaged in the provision of a variety of financial services. The company attracts retail and business deposits from the general public and use the deposits, together with borrowings and other funds, primarily to originate commercial, real estate loans, single-family and multi-family residential mortgage loans and home equity lines of credit. Its primary 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. The company's customers are small businesses, small business owners, and consumers. All operations are conducted from the US.

Ratios

vs
industry
vs
history
PE Ratio 24.55
CFBK's PE Ratio is ranked lower than
87% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CFBK: 24.55 )
Ranked among companies with meaningful PE Ratio only.
CFBK' s PE Ratio Range Over the Past 10 Years
Min: 5.48  Med: 35.97 Max: 99999999.99
Current: 24.55
5.48
99999999.99
PE Ratio without NRI 24.55
CFBK's PE Ratio without NRI is ranked lower than
87% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CFBK: 24.55 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.48  Med: 35.97 Max: 99999999.99
Current: 24.55
5.48
99999999.99
Price-to-Owner-Earnings 17.30
CFBK's Price-to-Owner-Earnings is ranked lower than
83% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CFBK: 17.30 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.14  Med: 19.21 Max: 61.64
Current: 17.3
3.14
61.64
PB Ratio 1.34
CFBK's PB Ratio is ranked lower than
59% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CFBK: 1.34 )
Ranked among companies with meaningful PB Ratio only.
CFBK' s PB Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.72 Max: 1.98
Current: 1.34
0.24
1.98
PS Ratio 3.26
CFBK's PS Ratio is ranked lower than
54% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CFBK: 3.26 )
Ranked among companies with meaningful PS Ratio only.
CFBK' s PS Ratio Range Over the Past 10 Years
Min: 0.18  Med: 1.88 Max: 4.02
Current: 3.26
0.18
4.02
EV-to-Revenue 1.41
CFBK's EV-to-Revenue is ranked higher than
93% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CFBK: 1.41 )
Ranked among companies with meaningful EV-to-Revenue only.
CFBK' s EV-to-Revenue Range Over the Past 10 Years
Min: -7  Med: 1.7 Max: 8.6
Current: 1.41
-7
8.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -13.80
CFBK's 3-Year Average Share Buyback Ratio is ranked lower than
81% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. CFBK: -13.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -167.8  Med: -10.1 Max: 5
Current: -13.8
-167.8
5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.34
CFBK's Price-to-Tangible-Book is ranked lower than
52% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CFBK: 1.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.24  Med: 0.89 Max: 1.69
Current: 1.34
0.24
1.69
Price-to-Intrinsic-Value-Projected-FCF 8.92
CFBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
94% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CFBK: 8.92 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.99 Max: 50.77
Current: 8.92
0.12
50.77
Price-to-Median-PS-Value 1.73
CFBK's Price-to-Median-PS-Value is ranked lower than
92% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFBK: 1.73 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.1  Med: 1.59 Max: 16.41
Current: 1.73
0.1
16.41
Price-to-Graham-Number 1.21
CFBK's Price-to-Graham-Number is ranked lower than
88% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CFBK: 1.21 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.4  Med: 1.1 Max: 3.8
Current: 1.21
0.4
3.8

More Statistics

Revenue (TTM) (Mil) $18.70
EPS (TTM) $ 0.56
Beta0.47
Volatility22.97%
52-Week Range $12.32 - 16.95
Shares Outstanding (Mil)4.30

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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