CF Bankshares (CF Bankshares) Debt-to-Equity

: 0.84 (As of Dec. 2023)

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CF Bankshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. CF Bankshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $130.26 Mil. CF Bankshares's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $155.37 Mil. CF Bankshares's debt to equity for the quarter that ended in Dec. 2023 was 0.84.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for CF Bankshares's Debt-to-Equity or its related term are showing as below:

CFBK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.46 Med: 0.66 Max: 2.09
Current: 0.84

During the past 13 years, the highest Debt-to-Equity Ratio of CF Bankshares was 2.09. The lowest was 0.46. And the median was 0.66.

CFBK's Debt-to-Equity is ranked worse than
56.44% of 1398 companies
in the Banks industry
Industry Median: 0.7 vs CFBK: 0.84

CF Bankshares Debt-to-Equity Historical Data

The historical data trend for CF Bankshares's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

CF Bankshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

0.57

2.09

0.85

0.90

0.84

CF Bankshares Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity																0.90	1.10	0.88	0.86	0.84

Competitive Comparison

For the Banks - Regional subindustry, CF Bankshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

CF Bankshares Debt-to-Equity Distribution

For the Banks industry and Financial Services sector, CF Bankshares's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where CF Bankshares's Debt-to-Equity falls into.

CF Bankshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

CF Bankshares's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	130.258)	/	155.374
	=	0.84

CF Bankshares's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	130.258)	/	155.374
	=	0.84

CF Bankshares (NAS:CFBK) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

CF Bankshares Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of CF Bankshares's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

CF Bankshares (CF Bankshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » CF Bankshares Inc (NAS:CFBK) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

4960 E. Dublin Granville Road, Suite 400, Columbus, OH, USA, 43081

Website

https://www.cf.bank

CF Bankshares Inc is a holding company for CFBank which is engaged in the provision of a variety of financial services. It provides personalized business banking products and services, including commercial loans and leases, commercial and residential real estate loans, equipment leasing, SBA loans, and treasury management depository services. The revenues are derived principally from the interest and fees on loans originated and noninterest income generated on the sale of loans.

Executives

David L Royer	director	7000 N HIGH STREET, WORTHINGTON OH 43085
Thomas P Ash	director	GRAND CENTRAL FINANCIAL CORP, 601 MAIN ST, WELLSVILLE OH 43968
Timothy T O'dell	director, officer: CEO	2923 SMITH RD, FAIRLAWN OH 44333
Marianne Mckinney	officer: EVP & Sr Operations Mngr	7000 N. HIGH STREET, WORTHINGTON OH 43085
Robert E Hoeweler	director
Sundeep Rana	director	CASTLE CREEK CAPITAL, 8604 TURTLE CREEK BLVD, #12674, DALLAS TX 75225
Bradley J Ringwald	officer: Chief Comm Banking Officer	255 E FIFTH STREET, SUITE 2900, CINCINNATI OH 45202
Kevin J Beerman	officer: SVP, Senior Financial Officer	7000 N HIGH STREET, WORTHINGTON OH 43085
John Pietrzak	director	WEST COAST BANCORP, 5335 MEADOWS ROAD, SUITE 201, LAKE OSWEGO OR 97035
Helmsdoerfer John W Jr	officer: Exec VP & CFO	2923 SMITH RD, FAIRLAWN OH 44333
Frauenberg James H Ii	director	2923 SMITH RD, FAIRLAWN OH 44333
Robert H Milbourne	director	7250 STAR CHECK DRIVE, COLUMBUS OH 43217
Edward W Cochran	director	2923 SMITH ROAD, FAIRLAWN OH 44333
Thad R Perry	director, officer: President	2923 SMITH RD, FAIRLAWN OH 44333
Donal H Malenick	director	4461 WAYSIDE DR., NAPLES FL 34119