CF Bankshares Inc.
CFBKFinancial Services · Stock · quarterly payer
Forward Yield
1.04%
Annual Dividend
$0.36
Payout Ratio
12%
5-Yr Growth
20.1%
Ex-Date
Jul 13, 2026
Frequency
Quarterly
Summary
As of September 2026, CF Bankshares Inc. (CFBK) yields 1.04% ($0.36 per share annually), with a blended fair-value estimate of $53.43 — +55% upside, so it screens as undervalued. Dividend safety grade: B (66/100). 5 years of dividend growth.
Is CFBK a good dividend stock?
Yes, with caveatsCF Bankshares Inc. (CFBK) pays a quarterly dividend yielding 1.04% ($0.36/yr), with 5 years of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (12%)
- Strong 20.1% 5-yr dividend growth
- 72% total price return over 5 years
Risks
- Cut its dividend in 2021
Key Data
- Dividend Yield
- 1.04%
- Payout Ratio
- 12%
- Annual Dividend
- $0.36
- 5-Yr Avg Growth
- 20.1%
- Ex-Dividend Date
- Jul 13, 2026
- Years of Growth
- 5
- Frequency
- quarterly
- Beta
- 0.38
- Market Cap
- $223.7M
- P/E Ratio
- 11.8
- 5-Yr Total Return
- 72%
- 52-Week Range
- $22.10 – $38.11
- Dividend Safety
- B · 66/100
- Ever Cut?
- Yes (2021)
Frequently Asked Questions
CFBK Price — Last 12 Months
Daily close
Price Return
1 Year
+49%
3 Years
+130%
5 Years
+72%
52-Week Range
$22.10 – $38.11
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CFBK worth?
Undervaluedlow confidenceOur blended fair-value estimate for CF Bankshares Inc. is $53.43 per share, versus a market price of $34.50. That implies 55% of upside — a margin of safety of about 35%.
Fair Value
$53.43
Current Price
$34.50
Upside
+55%
Margin of Safety
35%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $2.91 EPS, $0.36 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CFBK Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 13, 2026 | — | $0.0900 | regular |
| Apr 13, 2026 | — | $0.0900 | regular |
| Jan 15, 2026 | — | $0.0900 | regular |
| Oct 10, 2025 | — | $0.0800 | regular |
| Jul 11, 2025 | — | $0.0800 | regular |
| Apr 14, 2025 | — | $0.0700 | regular |
| Jan 16, 2025 | — | $0.0700 | regular |
| Oct 11, 2024 | — | $0.0700 | regular |
| Jul 11, 2024 | — | $0.0600 | regular |
| Apr 17, 2024 | — | $0.0600 | regular |
| Jan 12, 2024 | — | $0.0600 | regular |
| Oct 13, 2023 | — | $0.0600 | regular |
| Jul 20, 2023 | — | $0.0600 | regular |
| Apr 14, 2023 | — | $0.0600 | regular |
Income Calculator
At $0.36 / yr per share
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