CF Bankshares (CFBK) Stock: Buy, Sell, or Hold?
CFBK - CF Bankshares Inc. Common Stock
$34.57
1.02 (3.04%)
▲
5d:
+3.01%
30d:
+1.95%
90d:
+3.38%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 02, 2026
9d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CFBK shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: CFBK shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.52
Based on 11.0% avg growth
INTRINSIC VALUE TODAY
$33.23
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 7.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFBK is currently trading at $34.57, which is considered slightly high relative to its 30-day fair value range of $33.73 to $34.72. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (7.6). At these levels, the market is pricing in 2.8% 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 approaching resistance at $35.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.0% recently.
Market Sentiment: CFBK scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $40.00 (+15.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CFBK is in a strong uptrend. The price is approaching resistance at $35.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.0% recently.
Market Sentiment: CFBK scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $40.00 (+15.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$33.73 -
$34.72
Company Quality Score
68/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Strong technical setup (74/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.0%)
- BULLISH: Trading below Wall St target ($40.00)
- NEUTRAL: Market pricing in 2.8% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 74/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$33.73 -
$34.72
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$33.31
Resistance Level
$35.01
Current Trend
Strong Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.23
Wall Street Target
$40.00
(+15.7%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
16.9%
Profit Margin
34.7%
Valuation Premium vs History
+2.8% premium
PE vs Historical
8.2 vs 7.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.8%
(market-implied from PE analysis)
1-Year Target
$35.54
(+3%)
2-Year Target
$36.53
(+6%)
3-Year Target
$37.56
(+9%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$34.68
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 18.0%)
$136.97
(+296%)
Base:
(SPY PE: 8.2, Growth: 18.0%)
$56.77
(+64%)
Bear:
(PE: 7.0, Growth: 18.0%)
$48.25
(+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: 11.53 | Current EPS (TTM): $2.91
Bull Case
$53.26
(+54%)
Analyst growth 44.3%, PE expands to 12.7
Base Case
$48.42
(+40%)
Market implied 44.3%, PE stable at 11.5
Bear Case
$22.81
(-34%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 7:23 AM ET
Data refreshes hourly during market hours. Next update: 8:23 AM
Data refreshes hourly during market hours. Next update: 8:23 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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