Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
CF Bankshares Inc(CFBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CFBK
11/06/2026: CFBK (4-star) is currently NOT-A-BUY. Pass it for now.
CF Bankshares Inc is a regional bank holding company focused primarily on commercial lending and specialized banking services for small-to-mid-sized businesses. The company has successfully executed a pivot from a traditional savings association to a commercial-focused bank, leveraging a lean operating model to remain competitive. Its primary growth opportunity lies in expanding fee-based treasury management services and digital banking reach. However, the company faces risks related to interest rate volatility, potential credit quality challenges, and intense competition from larger, better-capitalized regional banks. CF Bankshares may best suit investors looking for value in the regional banking sector who are comfortable with the inherent risks of localized lending and limited dividend history.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The bank offers modest growth potential tied to regional commercial lending, though it lacks the explosive growth profile of tech-focused equities. |
| Momentum investor | Weak fit | Momentum fit is conditional on a positive Upturn signal, which is not currently present. |
| Value investor | Strong fit | The stock often trades at valuation multiples typical of regional banks, which may appeal to investors seeking earnings-based value. |
| Dividend investor | Weak fit | The company historically prioritizes capital retention over regular dividend payments. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent interest rate and credit cycle risks, which may exceed the risk tolerance of conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to market interest rate expectations and broader economic news. |
| Valuation risk | Medium | Changes in sentiment toward the banking sector can quickly impact valuation multiples. |
| Competition risk (Banking) | High | Aggressive competition from larger regional banks creates pressure on margins and loan pricing. |
| Business quality | Medium | The business relies on the credit quality of a localized commercial loan portfolio. |
| Dividend income | Low | The lack of a consistent dividend policy limits its appeal for income-focused portfolios. |
| Execution risk | Medium | Success depends on the management team's ability to navigate credit risks and maintain operational efficiency. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 108.49% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 236.75M USD | Price to earnings Ratio 10.08 | 1Y Target Price 40 |
Price to earnings Ratio 10.08 | 1Y Target Price 40 | ||
Volume (30-day avg) 39.2K shares | Beta 0.46 | 52 Weeks Range 21.84 - 38.01 | Updated Date 11/08/2026 |
52 Weeks Range 21.84 - 38.01 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.01% | Basic EPS (TTM) 3.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The bank makes most of its money by lending out money at higher rates than it pays to depositors. |
| Non-Interest Income | Service fees, treasury management fees, and other banking service charges. | The bank earns smaller, steady amounts of money through fees for various financial services. |
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 0.91 | Actual 0.91 |
Profitability
Profit Margin 37.51% | Operating Margin (TTM) 48.52% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 11.99% |
Valuation
Trailing PE 10.08 | Forward PE 7.86 | Enterprise Value 105.45M | Price to Sales(TTM) 3.91 |
Enterprise Value 105.45M | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 5.66 | Enterprise Value to EBITDA - | Shares Outstanding 6.69M | Shares Floating 5.56M |
Shares Outstanding 6.69M | Shares Floating 5.56M | ||
Percent Insiders 16.56 | Percent Institutions 61.89 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.