Company Quick10K Filing
Central Federal
10-Q 2020-03-31 Filed 2020-05-13
10-K 2019-12-31 Filed 2020-03-16
10-Q 2019-09-30 Filed 2019-11-12
10-Q 2019-06-30 Filed 2019-08-12
10-Q 2019-03-31 Filed 2019-05-10
10-K 2018-12-31 Filed 2019-03-15
10-Q 2018-09-30 Filed 2018-11-09
10-Q 2018-06-30 Filed 2018-08-09
10-Q 2018-03-31 Filed 2018-05-10
10-K 2017-12-31 Filed 2018-03-15
10-Q 2017-09-30 Filed 2017-11-09
10-Q 2017-06-30 Filed 2017-08-09
10-Q 2017-03-31 Filed 2017-05-10
10-K 2016-12-31 Filed 2017-03-15
10-Q 2016-09-30 Filed 2016-11-09
10-Q 2016-06-30 Filed 2016-08-10
10-Q 2016-03-31 Filed 2016-05-10
10-K 2015-12-31 Filed 2016-03-23
10-Q 2015-09-30 Filed 2015-11-12
10-Q 2015-06-30 Filed 2015-08-13
10-Q 2015-03-31 Filed 2015-05-14
10-K 2015-03-27 Filed 2015-03-27
10-Q 2014-09-30 Filed 2014-11-12
10-Q 2014-06-30 Filed 2014-08-14
10-Q 2014-03-31 Filed 2014-05-15
10-K 2013-12-31 Filed 2014-03-31
10-Q 2013-09-30 Filed 2013-11-08
10-Q 2013-06-30 Filed 2013-08-07
10-Q 2013-03-31 Filed 2013-05-15
10-K 2012-12-31 Filed 2013-04-01
10-Q 2012-09-30 Filed 2012-11-14
10-Q 2012-06-30 Filed 2012-08-14
10-Q 2012-03-31 Filed 2012-05-15
10-K 2011-12-31 Filed 2012-03-30
10-Q 2011-09-30 Filed 2011-11-10
10-Q 2011-06-30 Filed 2011-08-12
10-Q 2011-03-31 Filed 2011-05-16
10-K 2010-12-31 Filed 2011-03-30
10-Q 2010-09-30 Filed 2010-11-12
10-Q 2010-06-30 Filed 2010-08-16
10-Q 2010-03-31 Filed 2010-05-14
10-K 2009-12-31 Filed 2010-03-29
8-K 2020-05-15 Other Events, Exhibits
8-K 2020-05-06 Earnings, Exhibits
8-K 2020-03-30 Amend Bylaw, Exhibits
8-K 2020-03-13 Other Events
8-K 2020-02-04 Earnings, Exhibits
8-K 2019-11-20 Officers
8-K 2019-10-28 Earnings, Other Events, Exhibits
8-K 2019-10-25 Enter Agreement, Sale of Shares, Amend Bylaw, Exhibits
8-K 2019-08-12 Earnings, Exhibits
8-K 2019-05-30 Shareholder Vote
8-K 2019-05-29 Regulation FD, Exhibits
8-K 2019-04-26 Officers, Exhibits
8-K 2019-04-24 Earnings, Exhibits
8-K 2019-02-19 Earnings, Exhibits
8-K 2018-12-20 Enter Agreement, Off-BS Arrangement
8-K 2018-11-02 Earnings, Exhibits
8-K 2018-08-20 Amend Bylaw, Other Events, Exhibits
8-K 2018-08-01 Earnings, Exhibits
8-K 2018-07-03 Officers, Exhibits
8-K 2018-05-31 Shareholder Vote
8-K 2018-05-30 Regulation FD, Exhibits
8-K 2018-05-08 Earnings, Exhibits
8-K 2018-02-27 Earnings, Exhibits

Central Federal Financials

CFBK Metrics, Comps, Filings

Quarterly | Annual

Business

The Holding Company, 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 was originally organized in 1892 and was formerly known as Central Federal Savings and Loan Association of Wellsville and more recently as Central Federal Bank. On December 1, 2016, CFBank converted from a federal savings institution to a national bank. Effective as of December 1, 2016 and in conjunction with the conversion of CFBank to a national bank, the Holding Company became a registered bank holding company and elected financial holding company status. As a financial holding company, we are subject to regulation by the Board of Governors of the Federal Reserve System (the “FRB”). As used herein, the terms “we,” “us,” “our” and the “Company” refer to Central Federal Corporation and its subsidiaries, unless the context indicates to the contrary.

The consolidated financial statements include the Holding Company and CFBank. Intercompany transactions and balances are eliminated in consolidation.

Central Federal Capital Trust I (the “Trust”), a wholly owned subsidiary of the Holding Company, was formed in 2003 to raise additional funding for the Company. The Holding Company is not considered the primary beneficiary of this trust (variable interest entity) and, therefore, the trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability.


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Equity

Income Statement ($BB Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($BB Quarterly)

Ops, Inv, Fin

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Sound Financial Bancorp (SFBC) 93 2.9 1% 715 639 0 0 5 12 34
Lake Shore Bancorp (LSBK) 90 0% 11.2 1% 597 514 1 0 4 9 104
PB Bancorp (PBBI) 86 4.6 1% 544 458 0 0 4 9 41
MSB Financial (MSBF) 83 7.2 0% 591 527 0 0 3 9 68
Community First Bancshares (CFBI) 77 13.5 0% 310 233 0 0 0 3 39
IF Bancorp (IROQ) 73 4.5 1% 678 601 0 0 4 14 63
FFBW (FFBW) 72 19.6 0% 258 197 0 0 1 3 68
Magyar Bancorp (MGYR) 71 4.6 0% 630 576 0 0 3 11 50
Kentucky First Federal Bancorp (KFFB) 66 11.8 0% 329 263 0 0 1 5 54
CBM Bancorp (CBMB) 60 23.0 0% 218 157 0 0 1 2 50
Home Federal Bancorp of Louisiana (HFBL) 58 2.3 1% 460 410 0 0 5 11 25
Hamilton Bancorp (HBK) 55 52.8 -1% 496 440 0 0 -4 2 79
Central Federal (CFBK) 54 0% 2.2 1% 786 733 0 0 7 18 39
Bancorp 34 (BCTF) 50 7.8 0% 385 340 0 0 0 4 35
Mid-Southern Bancorp (MSVB) 47 11.2 1% 209 158 0 0 1 2 27
Broadway Financial (BYFC) 45 0% 5.1 -0% 415 366 0 0 -0 5 23
Ottawa Bancorp (OTTW) 42 7.3 0% 304 254 0 0 1 4 32
FSB Bancorp (FSBC) 31 21.8 -0% 325 293 0 0 -0 4 80
Eagle Financial Bancorp (EFBI) 26 0% 11.6 0% 142 114 0 0 0 2 18

Balance Sheet ($MM)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash606461635565251433471922193024282026251352582434284570335967963437
Accounts Receivable138
Inventory
PP&E6665551055374444448443733484448444
Assets278265251241226222215216245250256259294308318339331351353365408436416432449481530559606665720721786
Accounts Payable
Long-Term Debt2020226181822
Liabilities266254241232217198191194222228233236265273283304296313315326369397377392408441489516563619673670733
Stockholders' Equity1211109824242322222323293435353538393939394040414041424446485154
Income Statement ($MM)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue0000
Cost of Revenue
Gross Profit
R&D
SG&A00000-000000000000000000000010111
Tax000000000000-300000001000011
Net Income-2-0-1-1-1-2-0-11-01-00000030010011-0111223
Cash Flow ($MM)2011-06-302011-09-302011-12-312012-03-312012-06-302012-09-302012-12-312013-03-312013-06-302013-09-302013-12-312014-03-312014-06-302014-09-302015-03-312015-06-302015-09-302015-12-312016-03-312016-06-302016-09-302016-12-312017-03-312017-06-302017-09-302017-12-312018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating-110-1-01-21-4103212-11-11021-23-7-163-8-24-28
Cash Investing197118-3310-11-1112-33-1-39-9-18-2-10-3-22-5-22-16-4-21-19-16-49-23-14-35-31
Cash Financing-15-10-9-15-1-622965333321-8171114327-2013173348274651-262