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CF Bankshares Inc (CFBK) Fair Value & Analysis

Financial Services · US · Market cap $195M

Price$31.51
Fair Value$34.42
Upside+9.2%
Quality95/100
Evidence: High Range $25.81 – $43.02

Fair value as of: Jun 26, 2026

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Analysis

CF Bankshares Inc (CFBK) currently trades at $31.51, while our model-based Fair Value estimate is $34.42 — implying the stock looks roughly 9.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, it provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, the company offers online and internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc…

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Frequently asked questions

Is CF Bankshares Inc (CFBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $34.42 versus a price of $31.51 — about +9% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CFBK?
Our 21-model fair value for CF Bankshares Inc is $34.42 (as of Jun 26, 2026), built from audited fundamentals. The current price is $31.51.
What is the quality score of CFBK?
CF Bankshares Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.