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CF Bankshares Inc. (CFBK) — RQD Stock Rating Cockpit

$34.62 +0.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.57

CF Bankshares Inc. (CFBK) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $222.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $34.57 (-0.14%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFBK)Realized 20D OHLCV Swing Band: ±4.3%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY CFBK SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($18.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$33.84-1% Next Q

Q2 (-2Q)

Grade C$33.50+2.9% Next Q

Q3 (-1Q)

Grade C$34.48+0.4% Next Q

Current

Grade C$34.62+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, CFBK faces multiple-compression risk if 12.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.48) or 200D SMA ($31.49) invalidates the momentum regime and cuts Target Base ($35.40) toward Bear Floor ($27.61).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CFBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

48.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE78% OF RANGE

L: $22$34.62H: $38

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CFBK

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

9.5% ROIC with 42.0% gross margin and 8.19% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like CFBK

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CFBK Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CFBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.16%📐 HORIZONTAL RANGE

2026-10-30O $34.67H $34.67L $33.91C $34.62VOL 46.7K

RES: $39.31SUP: $33.16SMA50: $34.48SMA200: $31.49

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFBK Butterfly Map → + Track CFBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CFBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CFBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFBK)

Financials Rank #406 of 1096 ⚔️ GBFH vs CFBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFBK vs. GBFH, MRBK, OPBK, CMTV)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CF Bankshares Inc. (CFBK) ranks #406 by composite RQD confidence (63/100, grade C) and #869 by equity capitalization ($222.1M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. MRBK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CFBK at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CFBK ACTIVE CF Bankshares Inc.	C	63/100	12.7x	—	9.5%	+0.26%	$222.1M	Benchmark Subject
GBFH GBank Financial Holdings Inc.	D	48/100	10.6x	—	12.6%	-10.78%	$220.9M	/gbfh-vs-cfbk →
MRBK Meridian Corporation	B	73/100	10.4x	—	10.9%	+0.32%	$226.9M	/mrbk-vs-cfbk →
OPBK OP Bancorp	C-	61/100	9.0x	—	11.2%	+0.98%	$230.6M	/opbk-vs-cfbk →
CMTV Community Bancorp.	C+	69/100	13.9x	—	14.9%	+1.71%	$236.3M	/cmtv-vs-cfbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001070680

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CF Bankshares Inc. (CFBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $17.5M, operating cash flow of $18.7M, and free cash flow of $18.2M (+30.7% YoY). On the balance sheet, CFBK closed FY2025 with $2.12B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$17.5M	$18.7M	$18.2M	$2.12B	—
FY2024 (FY)	2024-12-31	$0	$13.4M	$14.2M	$13.9M	$2.07B	—
FY2023 (FY)	2023-12-31	$0	$16.9M	$18.1M	$18.1M	—	—

3. CFBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, CF Bankshares Inc. (NASDAQ: CFBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $34.62 (+0.26% 1D, market cap $222.1M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFBK ranks #406 in composite RQD confidence.

How does CFBK compare to GBFH and MRBK in the Financials sector?

Within the Financials sector (Major Banks), CFBK carries a Roarable C (63/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 9.5%. By comparison, GBFH (GBank Financial Holdings Inc.) holds a D grade (48/100 RQD, P/E 10.6x, ROIC 12.6%, cap $220.9M) and MRBK (Meridian Corporation) posts a B grade (73/100 RQD, P/E 10.4x, ROIC 10.9%, cap $226.9M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CFBK?

Per CFBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070680), CF Bankshares Inc. generated $0 in revenue, $17.5M in net income, and $18.2M in free cash flow against $2.12B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CFBK trading relative to its 50-day, 200-day, and 52-week technical levels?

CFBK last traded at $34.62 (+0.26% on volume of 34,553 shares), positioning the stock +0.41% above its 50-day simple moving average ($34.48) and +9.94% above its 200-day simple moving average ($31.49). Across its 52-week range of $22.10 to $38.11, CFBK sits at the 78.2% percentile with a 14-day RSI of 48.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($33.13 to $36.11).

CFBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CFBK stock right now?

CF Bankshares Inc. (CFBK) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is CFBK's 12-month price target and RQD AI Jury consensus?

CFBK's 12-month base price target is $35.4 (range $27.61 to $41.77), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CFBK RQD Cockpit CFBK 12M Forecast CFBK Earnings & Move CFBK Dividends & DRIP CFBK Insiders & 13F CFBK Whale Options CFBK Profit Sankey CFBK News & Why