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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($18.2M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
CF Bankshares Inc. (CFBK) advanced +0.26% to $34.62, trading at 78% of its 52-week range ($22.1 – $38.11). Solid steady margins (10% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
CF Bankshares just reported Q3 2026 and the stock barely flinched, ticking up about 0.8% to roughly US$34.60. That is a muted move for a regional lender posting quarterly basic earnings per share of about US$0.92 and net
CF Bankshares (CFBK) delivered earnings and revenue surprises of 0.00% and -0.55%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
CF Bankshares (NASDAQ:CFBK) reported quarterly earnings of $0.91 per share which met the analyst consensus estimate. This is a 152.78 percent increase over earnings of $0.36 per share from the same period last year.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CFBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CFBK. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why CFBK Stock advanced +0.26% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
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