CF Bankshares (CFBK) Stock: Buy, Sell, or Hold?
CFBK - CF Bankshares Inc. Common Stock
$34.51
0.40 (1.17%)
▲
5d:
+0.03%
30d:
-0.23%
90d:
+9.9%
HOLD
MODERATE Confidence
Analysis Updated: Sep 25, 2026 12:00 AM ET
Earnings: Nov 02, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFBK is fairly valued with market pricing in 2.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CFBK is fairly valued with market pricing in 2.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$52.82
Based on 11.0% avg growth
INTRINSIC VALUE TODAY
$32.79
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFBK is currently trading at $34.51, which is considered slightly low relative to its 30-day fair value range of $34.37 to $35.28. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (7.5). At these levels, the market is pricing in 2.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CFBK is in a strong uptrend. The price is currently testing key support at $33.72. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 52/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.00 (+15.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CFBK is in a strong uptrend. The price is currently testing key support at $33.72. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 52/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.00 (+15.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$34.37 -
$35.28
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (52/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.00)
- NEUTRAL: Market pricing in 2.9% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (52/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$34.37 -
$35.28
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$33.72
Resistance Level
$38.11
Current Trend
Strong Uptrend
Technical data as of
Sep 25, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.22
Wall Street Target
$40.00
(+15.9%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
16.9%
Profit Margin
34.7%
Valuation Premium vs History
+2.9% premium
PE vs Historical
8.2 vs 7.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.9%
(market-implied from PE analysis)
1-Year Target
$35.51
(+3%)
2-Year Target
$36.54
(+6%)
3-Year Target
$37.60
(+9%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$34.32
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 18.0%)
$140.42
(+307%)
Base:
(SPY PE: 8.2, Growth: 18.0%)
$56.67
(+64%)
Bear:
(PE: 7.0, Growth: 18.0%)
$48.17
(+40%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 11.64 | Current EPS (TTM): $2.93
Bull Case
$53.78
(+56%)
Analyst growth 43.3%, PE expands to 12.8
Base Case
$48.89
(+42%)
Market implied 43.3%, PE stable at 11.6
Bear Case
$23.19
(-33%)
Severe decline -20.0%, PE contracts to 9.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 27, 2026 7:15 AM ET
Data refreshes hourly during market hours. Next update: 8:15 AM
Data refreshes hourly during market hours. Next update: 8:15 AM
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Technical Signals Check
Is CFBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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