Reading CFBK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track CFBK free→Reading CFBK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track CFBK free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and earnings quality is also neutral, indicating that the company's profits are not strongly backed by cash. Management's track record has been fairly steady, while risk is moderate and the sector backdrop presents a headwind. Peer multiples imply a price about 18% above where it trades (it looks cheap on this basis); the read is fair. The company is not currently profitable, so the valuation relies on sales- and cash-based methods. This analysis is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 5 valuation methods, at three horizons. Current price $30.55. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $31 CFBK trades at 11× p/e, below its 12× p/e peer median. Our $37 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 18% below a flat-multiple fair value, below our forecast of about 13%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.17x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.91 → $0.89 (-2.2% / 30d). 0 raised, 1 cut, 1 covering analysts.
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$96.
How much price usually moves either way.
On a bad day, this stock has moved -$199.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,945.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The FOMC's decisions can impact interest rates and bank profitability. This is crucial for CF Bankshares.
Confirms one read:FOMC raises interest rates. It may also signal a change in monetary policy.
Confirms the other:FOMC keeps interest rates unchanged with no hints of future changes.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for CFBK yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Results of Operations and Financial Condition. On May 5, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the first quarter ended March 31, 2026 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
CFBK CF Bankshares, Inc. | Typical Show detailsSector percentile: 51 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on delivering sustainable earnings growth and strengthening franchise value.
Stated in 2 of last 2 quarters. Net income decreased from $5.7M in 2025-Q4 to $5.0M in 2026-Q1, indicating limited progress towards sustainable earnings growth despite management's focus.
“CFBank is well positioned to deliver sustainable earnings growth.”
“We believe CFBank can achieve sustainable earnings growth.”
Expect to see interest income benefit from net loan growth starting in Q2 2026.
Newly stated in 2026-Q1. Management anticipates interest income benefits from Q1 net loan growth starting in Q2 2026. Financials do not yet reflect this anticipated benefit, as it is expected to materialize in the upcoming quarter.
“We expect to see the interest income benefit of Q1 net loan growth beginning in the second quarter.”
Extend stock repurchase program to August 15, 2026, authorizing repurchase of up to 325,000 shares.
Newly stated in 2025-Q4. The stock repurchase program was extended to August 15, 2026, authorizing the repurchase of up to 325,000 shares. No buyback activity is reported in the financials, indicating limited progress on this capital allocation priority.
“Board approved the extension of its stock repurchase program to August 15, 2026.”
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would affect CF Bankshares' performance.
Confirms:Revenue growth falls below the median of the last three years.
Disproves:Revenue growth remains above the median of the last three years.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On March 25, 2026, the Boards of Directors of CF Bankshares Inc. (the “Company”) and CFBank, National Association, the Company’s wholly owned subsidiary bank (“CFBank”), appointed Bradley Ringwald as a director to fill the vacancies created on the Boards of Directors of the Company and CFBank resulting from the previously reported resignation of Su…
Results of Operations and Financial Condition. On February 5, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter and year ended December 31, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (b) On December 15, 2025, Sundeep Rana notified the Board of Directors (the “Board”) of CF Bankshares Inc. (the “Company”) of his resignation from the Board effective as of such date. Mr. Rana had served on the Board of the Company since July 28, 2021, as the director representative of Castle Creek Capital Partners VII, L.P. (“Castle Creek”) pursua…
Other Events. On December 17, 2025, the Board of Directors of CF Bankshares Inc. (the “Company”), approved the extension of its stock repurchase program to August 15, 2026. The Company’s stock repurchase program was initially approved by the Company’s Board of Directors on January 29, 2025, and authorizes the Company to repurchase up to 325,000 shares, or approximately 5% of the Company’s outstanding common stock, on or before January 31, 2026, which has now been extended to August 15, 2026.…