CFBK Stock Analysis: Buy, Sell, or Hold?
CFBK - CF Bankshares Inc. Common Stock
$27.21
0.08 (0.30%)
▲
5d:
-0.79%
30d:
-4.82%
90d:
-14.45%
HOLD
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 13, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CFBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$49.19
Based on 10.0% avg growth
INTRINSIC VALUE TODAY
$30.55
10.9% Margin of Safety
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 7.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFBK is currently trading at $27.21, which is considered oversold relative to its 30-day fair value range of $27.49 to $29.69. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.5) compared to its historical average (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 4.0% over the next few years. This pessimistic expectation contrasts with the company's recent 13.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CFBK is showing sideways momentum. The price is currently testing key support at $26.45. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: CFBK has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $33.50 (+23.1%). 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 showing sideways momentum. The price is currently testing key support at $26.45. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: CFBK has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $33.50 (+23.1%). 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
OVERSOLD
Historical Trading Range
$27.49 -
$29.69
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 23.1% below Wall St target ($33.50)
Trading Range Analysis
30-Day Trading Range
$27.49 -
$29.69
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$26.45
Resistance Level
$29.07
Current Trend
Sideways
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.48
Wall Street Target
$33.50
(+23.1%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
13.2%
Profit Margin
34.0%
Valuation Discount vs History
-4.0% cheaper
PE vs Historical
6.5 vs 7.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.0%
(market-implied from PE analysis)
1-Year Target
$26.12
(-4%)
2-Year Target
$25.08
(-8%)
3-Year Target
$24.08
(-12%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$27.13
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 16.0%)
$144.77
(+432%)
Base:
(SPY PE: 6.5, Growth: 16.0%)
$42.50
(+56%)
Bear:
(PE: 5.5, Growth: 16.0%)
$36.13
(+33%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 9.76 | Current EPS (TTM): $2.78
Bull Case
$45.09
(+66%)
Analyst growth 51.1%, PE expands to 10.7
Base Case
$40.99
(+51%)
Market implied 51.1%, PE stable at 9.8
Bear Case
$18.45
(-32%)
Severe decline -20.0%, PE contracts to 8.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.5 to 7.3
Stabilization Target:
$30.66
(+12.7%)
PE Expansion Potential:
+12.7%
Share & Embed Analysis
Last updated: May 16, 2026 7:43 AM ET
Data refreshes hourly during market hours. Next update: 8:43 AM
Data refreshes hourly during market hours. Next update: 8:43 AM
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Technical Signals Check
Is CFBK showing a specific setup today?
Insider Activity (6 Months)
5
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Bradley J Ringwald
BUY
1000 shares
2025-12-16
Robert E Hoeweler
BUY
1000 shares
2025-12-15
Kevin J Beerman
BUY
217 shares
2025-12-12
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