CCB vs CFBK

Coastal Financial Corporation vs CF Bankshares Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — CFBK scores higher on quality with 8.6/10 vs CCB's 8.4/10. CCB trades at $70.67 while CFBK trades at $28.81. Both analyzed daily using SEC EDGAR data across 13 institutional models.

CCB

Banks - Regional
Coastal Financial Corporation
Quality
8.4
out of 10
Value Trap
Price
$70.67
Last close
Models
11/13
Active
VS

CFBK

Banks - Regional
CF Bankshares Inc.
Quality
8.6
out of 10
Value Trap
25
LOW
Price
$28.81
Last close
Models
11/13
Active
CCB
Bayesian DCF sees +144.1% upside
Limited to 2/13 visible models
CFBK
Bayesian DCF sees +193.4% upside
Limited to 2/13 visible models

CCB vs CFBK — Fair Value Comparison

CCB
$0$68$136$204 Price$70.67 Bayesian …$172.48 (+144.1%) Earnings …$161.38 (+128.4%)
CFBK
$0$33$67$100 Price$28.81 Bayesian …$84.54 (+193.4%) Earnings …$79.07 (+174.5%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType CCB Fair ValueCCB Upside CFBK Fair ValueCFBK Upside
Bayesian DCF Intrinsic $172.48 +144.1% $84.54 +193.4%
Earnings Power Value Intrinsic $161.38 +128.4% $79.07 +174.5%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

CCB vs CFBK — Which Stock Is More Undervalued in 2026?

CFBK scores higher with a 8.6/10 quality rating vs CCB's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CCB and CFBK Valuations Compare?

At $70.67, CCB trades +144.1% below its Bayesian DCF fair value of $172.48, while CFBK at $28.81 trades +193.4% below its estimate of $84.54. CFBK shows a wider gap between price and intrinsic value.

Quality of Company: CCB vs CFBK

CCB earns a Quality of Company score of 8.4/10 compared to CFBK's 8.6/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: CCB vs CFBK

Review the value trap analysis for both CCB and CFBK to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both CCB and CFBK operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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