CF Bankshares Inc. Common Stock (CFBK)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that are simple, conservatively run, and priced so the downside is limited. CF Bankshares is a $217M market-cap holding company for CFBank, with 98 employees; that is small enough that one or two bad loans can matter. The price on 2026-10-13 was $34.11, about 11.72 times earnings and 1.14 times book, with a 10.24% return on equity. That is not demanding, but it is not a steal for a small regional bank. Filed results show fiscal Q2 2026 (quarter ended 2026-06-30) net income of $5.9M and diluted EPS of $0.90, up from $5.0M and $0.77 in fiscal Q2 2025 (quarter ended 2025-06-30). FY2025 net income was $17.5M, EPS $2.69, versus FY2024 $13.4M and $2.06. Still, the five-year pattern is uneven, and FairStock's Lynch category is SLOW GROWER - Shrinking: profit -9.9% a year over five years. Q3 2025 was only $2.3M, showing earnings can swing. The 0.42 beta and 1.06% dividend yield suggest limited market excitement, but I cannot judge credit risk without CET1, net interest margin, and combined ratio - none are in the data. Nonperforming loans, reserves, and charge-offs are also missing. Piotroski F-score 6/9 is decent. At 1.14 times book, much depends on whether book value is clean and earnings are sustainable. I would need more bank-specific underwriting detail before calling it a Buffett-style bargain.

In plain English: CF Bankshares is a small bank holding company that runs CFBank, gathering deposits and making mortgage, commercial and real estate loans. It is profitable and recent quarterly earnings rose, but its longer-run profit record has been uneven and the business is small. At the recent price, the stock looks roughly fairly valued to modestly cheap relative to its earnings and accounting value, not an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer