CF Bankshares, Inc. (CFBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$35.56+1.31%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · CFBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 2 guided quarters · 80.7% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
During 2026, we have expanded considerably the size and depth of our Commercial Banking Team, which we believe will continue to fuel increasing quality Commercial growth opportunities, along with imp…
Stated in 3 of 3 supplied quarters. Management reported: “We expect increasing Size & Scale supported by our strong Commercial Loan Pipelines to be further accretive to Core Earnings during the Second half of 2026.” “During 2026, we have expanded considerably the size and depth of our Commercial Banking Team, which we believe will continue to fuel increasing quality Commercial growth opportunities, along with improving business mix through capturing greater numbers of full-service Banking (C&I) relationships.” Revenue was $30.022 million in 2026-Q2.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“During 2026, we have expanded considerably the size and depth of our Commercial Banking Team, which we believe will continue to fuel increasing quality Commercial growth opportunities, along with imp…”
“Success with expanding our Commercial Banking Regional Teams throughout our Footprint, is resulting in expanded Business Banking opportunities and strong pipelines.”
“Scaling the Commercial Bank remains a top strategic objective.”
Additionally, we are gaining traction with expanding our Private Banking Customers & Product offerings to closely held business owners and entrepreneurs.
Stated in 3 of 3 supplied quarters. Management reported: “Expansion of our Residential Mortgage salable loan volumes and business is on a trajectory which is likely to provide added Fee income contribution during the second half of the year.” “These initiatives include expanding residential mortgage salable loan volumes, increasing treasury management service fees, and utilizing interest rate swaps to grow non‑interest fee income.”
“Additionally, we are gaining traction with expanding our Private Banking Customers & Product offerings to closely held business owners and entrepreneurs.”
“Expansion of our Residential Mortgage salable loan volumes and business is on a trajectory which is likely to provide added Fee income contribution during the second half of the year.”
“These initiatives include expanding residential mortgage salable loan volumes, increasing treasury management service fees, and utilizing interest rate swaps to grow non‑interest fee income.”
Also, we are investing in Mortgage Lending, mostly through adding high performing Mortgage Loan Originators along with Regional Sales Leaders, capable of building Local and Regionally based Mortgage…
Stated in 3 of 3 supplied quarters. Management reported: “Also, we are investing in Mortgage Lending, mostly through adding high performing Mortgage Loan Originators along with Regional Sales Leaders, capable of building Local and Regionally based Mortgage Lending Teams.” “Also, we continually are improving the quality of our Balance Sheet by scaling the size of the Commercial Bank, while simultaneously reducing low-rate loans in our residential Mortgage Portfolio.”
“Also, we are investing in Mortgage Lending, mostly through adding high performing Mortgage Loan Originators along with Regional Sales Leaders, capable of building Local and Regionally based Mortgage…”
“Also, we continually are improving the quality of our Balance Sheet by scaling the size of the Commercial Bank, while simultaneously reducing low-rate loans in our residential Mortgage Portfolio.”
“These initiatives include expanding residential mortgage salable loan volumes, increasing treasury management service fees, and utilizing interest rate swaps to grow non‑interest fee income.”
Pursue profitable growth while preserving lending discipline and building long-term shareholder value.
Increase fee income from swap fees, treasury management, and residential mortgage gain-on-sale revenue.
Over the trailing year it converted 0.82x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-04.