Stock fact sheet · data as of
CF Bankshares Inc. (CFBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is CFBK undervalued?
CFBK has a margin of safety of 35%: the stock closed at 33.56 on 16 Oct 2026 against a GLS average fair value of 51.51. 6 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: DDM gives 5.30 while Graham Growth gives 127.68. 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.
The nightly engine files CFBK under Value: positive earnings at a P/E of 18 or less.
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 | 57.77 | +72% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 45.40 | +35% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 127.68 | +280% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 52.63 | +57% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 14.12 | -58% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 68.88 | +105% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 58.66 | +75% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.30 | -84% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 33.11 | -1% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -260.90 | -877% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 40.00 | +19% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CFBK passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 3.9 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
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 8.4%.
The dividend yield is 1.07% with a payout ratio of 12% - 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 | 6 / 9 | ROIC | 5.6% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 9.2% |
| Debt / equity | 0.66 | ROA | 0.8% |
| Free-cash-flow yield | 8.4% | Payout ratio | 12% |
| Institutions | 7 / 10 | Insiders · Congress | 6 · 5 / 10 |
Wheel Score 39: 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; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 48k shares a day on a market cap of $215M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 35% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 3.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 48k shares/day, $215M cap, beta 0.38 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 2 Nov 2026, 17 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
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 |
|---|---|---|---|---|---|
| SOME Somerset Trust Holding Company | 85.00 | 141.60 | +40% | 39No options | $214M |
| OVBC Ohio Valley Banc Corp. | 46.11 | 51.63 | +11% | 39No options | $217M |
| FXLG FS Bancorp | 52.05 | 104.29 | +50% | 39No options | $213M |
| MRBK Meridian Corporation | 18.41 | 40.56 | +55% | 39No options | $220M |
| KISB Kish Bancorp, Inc. | 69.50 | 113.52 | +39% | 39No options | $211M |
| PBNC PB Financial Corporation | 73.00 | 227.64 | +68% | 39No options | $221M |
| HONT Honat Bancorp, Inc. | 146.40 | 211.38 | +31% | 39No options | $209M |
| OPBK OP Bancorp | 14.85 | 24.39 | +39% | 66Good | $222M |
| MLGF Malaga Financial Corporation | 22.44 | 24.42 | +8% | 39No options | $222M |
| CBTN Citizens Bancorp Investment, Inc. | 35.20 | 59.47 | +41% | 38No options | $208M |
| LYBC Lyons Bancorp Inc. | 66.00 | 109.45 | +40% | 39No options | $224M |
| INBKZ First Internet Bancorp - Fixed- | 25.25 | 169.58 | +85% | 39No options | $225M |
⚖ 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, yes: at 33.56 the stock is 35% below the average fair value of 51.51 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CFBK?
51.51 per share as of 16 Oct 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?
The next earnings report is due on 2 Nov 2026, 17 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
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 is capped at 39.