CF Bankshares, Inc. (CFBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$34.59-2.73%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · CFBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -19.4% |
| Our one-year growth estimate | diamond | -33.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 14.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
CFBK — earnings in line
Dated 2026-10-27
Results of Operations and Financial Condition. On October 27, 2026, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the third quarter ended September 30, 2026 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.
Why it matters: Q3 recruiting costs included $264,000 more than Q2, as the bank added commercial teams. High costs without faster growth could weigh on earnings.
Worry ifQ4 recruiting costs stay at or above Q3's $462,000 increase over Q2.
Less concerning ifQ4 recruiting costs fall below the Q3 level, while net commercial loan growth exceeds $42 million.
Why it matters: Q3 net commercial loan growth was $42 million, below Q2's $52 million. More growth would support management's plan to scale commercial banking.
Supportive ifQ4 net commercial loan growth tops $42 million.
Worry ifQ4 net commercial loan growth is $42 million or less.
Why it matters: Q3 margin rose to 2.96%, but management said margin remains a challenge. A drop would show that deposit costs or loan pricing are weighing on income.
Worry ifQ4 net interest margin is below 2.96%.
Less concerning ifQ4 net interest margin stays at or above 2.96%.
Why it matters: Loans past due rose to $30.8 million in Q3 from $20.4 million in Q2. A further rise could signal more trouble among borrowers.
Worry ifLoans 30 days or more past due exceed $30.8 million in Q4.
Less concerning ifPast-due loans fall below $30.8 million in Q4.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$61 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $218 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,945 loss on $10,000 · 19.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Customer fees rose 32% year to date through Q3. Continued growth would show that Treasury Management fees are adding to bank income.
Supportive ifFull-year 2026 customer fees exceed the 2025 total by at least 25%.
Worry ifFull-year customer fee growth is below 25% year over year.