Stock fact sheet · data as of
CF Bankshares Inc. (CFBK): fair value, margin of safety and Wheel Score
Ticker symbol CFBK · Financial Services · Banks - Regional · United States · Value
Is CFBK undervalued?
CFBK closed at 35.56 on 5 Nov 2026, 27% below the GLS average fair value of 48.76 from 9 models (7 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
The 9 models disagree widely: DDM gives 5.30 while Graham Growth gives 108.18. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, CFBK is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 66, growth score 31, out of 100).
Nine valuation models for CFBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 59.17 | +66% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 49.63 | +40% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 108.18 | +204% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 40.38 | +14% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 11.48 | -68% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 71.01 | +100% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 54.68 | +54% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.30 | -85% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 39.06 | +10% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -250.21 | -804% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 40.00 | +12% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CFBK passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.2 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.6%, ROE 9.2%, ROA 0.8% - with debt at 0.66 times equity and a free-cash-flow yield of 7.6%.
The dividend yield is 1.01% with a payout ratio of 10% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 7/10, insider activity 6/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 5.6% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 9.2% |
| Debt / equity | 0.66 | ROA | 0.8% |
| Free-cash-flow yield | 7.6% | Payout ratio | 10% |
| Institutions | 7 / 10 | Insiders · Congress | 6 · 5 / 10 |
Wheel Score 30: No options
CFBK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (30 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 77k shares a day on a market cap of $238M, with a beta of 0.38 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $238M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 27% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.2/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.38, $238M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CFBK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CF Bankshares Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| INBK First Internet Bancorp | 27.13 | 76.57 | +65% | 47Weak | $237M |
| CZWI Citizens Community Bancorp, Inc. | 24.40 | 27.79 | +12% | 24No options | $234M |
| FOTB First Ottawa Bancshares, Inc. | 241.25 | 793.83 | +70% | 33No options | $233M |
| INBKZ First Internet Bancorp - Fixed- | 25.37 | 95.33 | +73% | 32No options | $233M |
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.51 | 45.57 | +2% | 21No options | $243M |
| OVBC Ohio Valley Banc Corp. | 49.10 | 52.12 | +6% | 24No options | $231M |
| OPBK OP Bancorp | 15.40 | 17.62 | +13% | 42Weak | $230M |
| FFBB FFB Bancorp | 87.30 | 168.34 | +48% | 36No options | $248M |
| LYBC Lyons Bancorp Inc. | 73.50 | 112.94 | +35% | 33No options | $249M |
| EFSI Eagle Financial Services, Inc. | 46.45 | 36.14 | -29% | 21No options | $251M |
| GBFH GBank Financial Holdings Inc. | 15.47 | 47.64 | +68% | 42Weak | $225M |
| MLGF Malaga Financial Corporation | 22.68 | 24.71 | +8% | 24No options | $224M |
⚖ Compare CFBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CFBK
Is CFBK undervalued right now?
By the GLS models, moderately: at 35.56 the stock trades 27% below the average fair value of 48.76 (data as of 5 Nov 2026).
What is the Wheel Score of CFBK and what does it mean?
CFBK has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CFBK?
48.76 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CF Bankshares Inc. report earnings next?
No upcoming earnings date is recorded for CFBK in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CFBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CFBK, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.