CF Bankshares Inc. (CFBK) Fair Value 2026

CFBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, CF Bankshares Inc. (CFBK) trades at $34.48, versus a $33.06 median fair value across its 5 active models — 4.1% below the current price. QOC: 7.8/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
CFBK
Price
$34.48
Quality Score
7.8/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is CF Bankshares Inc. (CFBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, CF Bankshares Inc. (CFBK) appears fairly valued as of : the median of 5 independent fair value estimates is $33.06, within 4.1% of the current price of $34.48. Estimates range from $18.66 to $64.58. CFBK scores 7.8/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CFBK’s -4.1% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy CF Bankshares Inc. Stock in 2026? →

What Fair Value Does Each Model Give CFBK?

5 Intrinsic Value Models vs. Current Price ($34.48)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $33.06 -4.1%
Intrinsic · High Conviction
 $18.66 -45.9%
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What Is CFBK's Fair Value Range?

Spread across 5 independent models · $18.66 to $64.58

CirclFi's 5 active models place CF Bankshares Inc. (CFBK) between $18.66 and $64.58 per share, a spread of 139% of the median. The median of that range — $33.06 — is the fair value CirclFi publishes for CFBK, against a current price of $34.48.

Low · Markov DDMHigh · Regime Cross
$18.66median $33.06$64.58
Where the range comes from
Most bearish modelMarkov DDM$18.66
Most bullish modelRegime Cross-Sectional$64.58
Model agreement2 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CFBK. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CFBK, not a CirclFi price target. How each model works →

What Is CF Bankshares Inc. (CFBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CF Bankshares Inc. presents a highly debated valuation profile at its current price of $34.48. The median intrinsic value is estimated at $33.06 (-4.1% median upside), masking a wide model spread between the 2 bullish models and 2 bearish models. Model dispersion is worth noting: Regime Cross targets $64.58 (+87.3%), versus Markov DDM at $18.66 (-45.9%). This +133.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About CFBK?

5 of 13 models are currently active for CFBK. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for CFBK is $33.06 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CFBK Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CFBK ranks #208 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

CF Bankshares Inc.'s positioning within the Banks - Regional segment means that loan loss provisions plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is CFBK a Value Trap?

CirclFi's Value Trap algorithm assigns CFBK a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for CF Bankshares Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, CF Bankshares Inc. earns a quality score of 7.8/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +133.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CFBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CFBK's 5 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CF Bankshares Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

EMYBEmbassy Bancorp, Inc.QOC 7.8AROWArrow Financial CorporationQOC 7.8TFCTruist Financial CorporationQOC 7.8NWGNatWest Group plcQOC 7.8BKUBankUnited, Inc.QOC 7.8COLBColumbia Banking System, Inc.QOC 7.8FINWFinWise BancorpQOC 7.1BMABanco Macro S.A.QOC 8.6RRBIRed River Bancshares, Inc.QOC 8.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: EMYB · AROW · TFC · NWG · BKU · COLB · FINW · BMA · RRBI · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CFBK?

7 companies across all industries closest to CFBK’s Quality of Company score of 7.8/10.

GLOBGlobant S.A.QOC 7.8CMPRCimpress plcQOC 7.8CACCCredit Acceptance CorporationQOC 7.8SPHSuburban Propane Partners, L.P.QOC 7.8AOXYAdvanced Oxygen Technologies, Inc.QOC 7.8TZOOTravelzooQOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GLOB · CMPR · CACC · SPH · AOXY · TZOO · NVDA

Where Does CFBK Sit in CirclFi's Banks - Regional Rankings?

CFBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About CF Bankshares Inc.’s Valuation?

What is CF Bankshares Inc.'s intrinsic value in 2026?

CirclFi puts CF Bankshares Inc. (CFBK)'s intrinsic value at $33.06 — the median of 5 independent model estimates as of 2026-08-27, ranging from $18.66 to $64.58. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CFBK overvalued or undervalued right now?

At $34.48, 2 of 5 active models suggest CFBK may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $33.06, within 4.1% of the current price of $34.48 — a consensus view that CFBK is fairly valued. The assessment depends on which methodology best fits CF Bankshares Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for CFBK?

CF Bankshares Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CFBK?

CirclFi analyzes CFBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CFBK?

Of the 5 models currently active on CFBK, Regime Cross-Sectional is the most bullish at $64.58 per share, and Markov DDM is the most bearish at $18.66. CirclFi's published fair value for CFBK is the median of that range, $33.06, not either extreme. The gap between the two ends equals 139% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CFBK a value trap in 2026?

CF Bankshares Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, CF Bankshares Inc. (CFBK) has a median fair value of $33.06 — within 4.1% of the current price of $34.48 — as of 2026-08-27.” Source: circlfi.com/stock/CFBK/ · Methodology
Primary sources for this CFBK valuation
  • Financial statements: CF Bankshares Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001070680) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CFBK as of ; valuations recomputed .

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