CF Bankshares, Inc. (CFBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
$35.58-0.42%
Close 2026-09-09 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
Warn: Recent financial performance slipped notably this past month, though still top-half.
CF Bankshares aims to grow earnings sustainably, targeting EPS of $0.77 next quarter. The bank expects interest income to benefit from loan growth starting Q2 2026. It also continues buying back shares, extending its repurchase program through August 2026. The stock trades cheap with a PE of 11.38, below peers.
Earnings have recently missed estimates twice, with net income declining from $5.7M to $5.0M in Q1 2026. Revenue growth is expected to shrink by 28% next year. The turnaround progress is limited and uncertain.
The market prices in about -28% revenue decline and a share price roughly 13% below our fair value of $36.59. Our view is more optimistic on earnings recovery and loan growth benefits.
Breaks if: No interest income growth from loan growth by Q3 2026
Breaks if: Repurchase program is not executed or canceled before August 2026
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a stable growth opportunity in the financial sector. The current thesis state is intact, with management focused on scaling operations and growing income streams.
The market seems to price in a stretched valuation compared to peers, reflecting a moderate expectations gap. There is a recognition of the company's fragile earnings quality, which may limit upside potential.
Fundamentals are likely to show steady growth as management executes on their priorities. However, there is a moderate risk of missing earnings expectations due to the company's smaller size and recent history of performance variability.
The thesis hinges on the performance of sector bellwethers and CFBK's ability to maintain or improve guidance. Any cuts in guidance could lead to a negative reaction, while continued positive momentum in the sector could bolster CFBK's performance.
The most important moves since the prior daily snapshot.
Yes, our read has strengthened. The latest earnings beat supports this improvement. There are no new threats impacting the thesis.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Breaks if: EPS falls below $0.77 next quarter
In the next 1 to 3 years, CFBK's performance will depend on management execution and sector conditions. Not investment advice.