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CFBK (CF Bankshares) E10 : $2.16 (As of Sep. 2024)


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What is CF Bankshares E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

CF Bankshares's adjusted earnings per share data for the three months ended in Sep. 2024 was $0.650. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.16 for the trailing ten years ended in Sep. 2024.

During the past 12 months, CF Bankshares's average E10 Growth Rate was 11.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of CF Bankshares was 36.30% per year. The lowest was -49.50% per year. And the median was 6.55% per year.

As of today (2025-03-14), CF Bankshares's current stock price is $21.73. CF Bankshares's E10 for the quarter that ended in Sep. 2024 was $2.16. CF Bankshares's Shiller PE Ratio of today is 10.06.

During the past 13 years, the highest Shiller PE Ratio of CF Bankshares was 150.40. The lowest was 7.92. And the median was 11.10.


CF Bankshares E10 Historical Data

The historical data trend for CF Bankshares's E10 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 E10 Chart

CF Bankshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.64 0.15 1.61 1.97 -

CF Bankshares Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.97 2.06 2.09 2.16 -

Competitive Comparison of CF Bankshares's E10

For the Banks - Regional subindustry, CF Bankshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, CF Bankshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where CF Bankshares's Shiller PE Ratio falls into.



CF Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, CF Bankshares's adjusted earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.65/133.0289*133.0289
=0.650

Current CPI (Sep. 2024) = 133.0289.

CF Bankshares Quarterly Data

per share eps CPI Adj_EPS
201412 0.055 99.070 0.074
201503 0.013 99.621 0.017
201506 0.110 100.684 0.145
201509 0.055 100.392 0.073
201512 0.825 99.792 1.100
201603 0.055 100.470 0.073
201606 0.055 101.688 0.072
201609 0.110 101.861 0.144
201612 0.055 101.863 0.072
201703 0.055 102.862 0.071
201706 0.110 103.349 0.142
201709 0.150 104.136 0.192
201712 -0.055 104.011 -0.070
201803 0.170 105.290 0.215
201806 0.250 106.317 0.313
201809 0.240 106.507 0.300
201812 0.330 105.998 0.414
201903 0.390 107.251 0.484
201906 0.550 108.070 0.677
201909 0.590 108.329 0.725
201912 0.510 108.420 0.626
202003 0.300 108.902 0.366
202006 1.530 108.767 1.871
202009 1.540 109.815 1.866
202012 1.110 109.897 1.344
202103 0.960 111.754 1.143
202106 0.520 114.631 0.603
202109 0.610 115.734 0.701
202112 0.680 117.630 0.769
202203 0.690 121.301 0.757
202206 0.720 125.017 0.766
202209 0.650 125.227 0.690
202212 0.720 125.222 0.765
202303 0.680 127.348 0.710
202306 0.660 128.729 0.682
202309 0.620 129.860 0.635
202312 0.650 129.419 0.668
202403 0.470 131.776 0.474
202406 0.260 132.554 0.261
202409 0.650 133.029 0.650

Add all the adjusted EPS together and divide 10 will get our e10.


CF Bankshares  (NAS:CFBK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

CF Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=21.73/2.16
=10.06

* 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.

During the past 13 years, the highest Shiller P/E Ratio of CF Bankshares was 150.40. The lowest was 7.92. And the median was 11.10.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


CF Bankshares E10 Related Terms

Thank you for viewing the detailed overview of CF Bankshares's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


CF Bankshares Business Description

Traded in Other Exchanges
N/A
Address
4960 E. Dublin Granville Road, Suite 400, Columbus, OH, USA, 43081
CF Bankshares Inc 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
Timothy T O'dell director, officer: CEO 2923 SMITH RD, FAIRLAWN OH 44333
Sundeep Rana director CASTLE CREEK CAPITAL, 8604 TURTLE CREEK BLVD, #12674, DALLAS TX 75225
Frauenberg James H Ii director 2923 SMITH RD, FAIRLAWN OH 44333
Thomas P Ash director GRAND CENTRAL FINANCIAL CORP, 601 MAIN ST, WELLSVILLE OH 43968
David L Royer director 7000 N HIGH STREET, WORTHINGTON OH 43085
Marianne Mckinney officer: EVP & Sr Operations Mngr 7000 N. HIGH STREET, WORTHINGTON OH 43085
Robert E Hoeweler director
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
Robert H Milbourne director 7250 STAR CHECK DRIVE, COLUMBUS OH 43217
Edward W Cochran director 2923 SMITH ROAD, FAIRLAWN OH 44333
Donal H Malenick director 4461 WAYSIDE DR., NAPLES FL 34119
Thad R Perry director, officer: President 2923 SMITH RD, FAIRLAWN OH 44333