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Stock Ratings / Financials / CFBK / dividends
GBFH (46) MRBK (61) OPBK (63) INBK (43) ⌘ Pro Terminal β†’

CF Bankshares Inc. (CFBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$35.00 +2.49% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.09

CF Bankshares Inc. (CFBK) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $224.5M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFBK Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CFBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, CF Bankshares Inc. (NASDAQ: CFBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $35.00 (+2.49% 1D, market cap $224.5M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CFBK ranks #222 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CFBK compare to GBFH and MRBK in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), CFBK carries a Roarable C+ (66/100 RQD), trailing P/E of 12.7x, gross margin of β€”, and ROIC of 9.5%. By comparison, GBFH (GBank Financial Holdings Inc.) holds a D grade (46/100 RQD, P/E 10.6x, ROIC 12.6%, cap $222.4M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $221.5M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFBK?
β–Ό

Per CFBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070680), CF Bankshares Inc. generated $889.3M in revenue (+2.5% YoY), $17.5M in net income, and $18.2M in free cash flow against $2.12B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $35.09 (+0.26%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 14/20 (B-) β€’ 2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY β€’ 56.0% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ Β· Rk C
Cash (14)Whales (10)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$43 Bull$36 Base$28 Bear
πŸ“¬ FREE CFBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CFBK)Realized 20D OHLCV Swing Band: Β±4.4%
Deterministic 5-Pillar Attribution (66/100 Composite)
πŸ” WHY CFBK SCORES 66/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: Cash Engine Quality+14/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 2% FCF Margin ($18.2M FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
58
Grade C$33.77-0.7% Next Q
Q2 (-2Q)
61
Grade C$33.55+2.9% Next Q
Q3 (-1Q)
63
Grade C+$34.53+1.4% Next Q
Current
66
Grade C+$35.00+1.4% Hist 90D Ξ±
Trajectory: C (58) β†’ C+ (66)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the CFBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 66/100 (C+) score, CFBK faces multiple-compression risk if 12.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.48) or 200D SMA ($31.59) invalidates the momentum regime and cuts Target Base ($36.26) toward Bear Floor ($28.28).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFBKβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCFBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
2.68% Total Yield
0.88% Cash ($0.31/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
14% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $20,803

Est. Year-10 Shareholder Yield: $558/yr
$10.8K
Yr 1
$11.6K
Yr 2
$12.5K
Yr 3
$13.4K
Yr 4
$14.4K
Yr 5
$15.5K
Yr 6
$16.7K
Yr 7
$18.0K
Yr 8
$19.3K
Yr 9
$20.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CFBK & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on CFBK and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
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CFBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.97%πŸ“ HORIZONTAL RANGE
2026-11-04O $34.15H $35.00L $34.15C $35.00VOL 63.7K
RES: $39.41SUP: $33.11SMA50: $34.48SMA200: $31.59
$38.94$35.50$32.06$28.61$25.17RES $39.41SUP $33.11$35.002026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CFBK Butterfly Map β†’ + Track CFBK β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.7%/yr Implied 5Y Growth

vs. +2.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CFBK today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CFBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CFBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFBK)

Financials Rank #222 of 1097 βš”οΈ GBFH vs CFBK Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CFBK vs. GBFH, MRBK, OPBK, INBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, CF Bankshares Inc. (CFBK) ranks #222 by composite RQD confidence (66/100, grade C+) and #865 by equity capitalization ($224.5M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and β€” gross margin. CFBK currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CFBK ACTIVE
CF Bankshares Inc.
C+ 66/100 12.7x β€” 9.5% +2.49% $224.5M Benchmark Subject
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x β€” 12.6% +1.06% $222.4M /gbfh-vs-cfbk β†’
MRBK
Meridian Corporation
C- 61/100 10.4x β€” 10.9% -0.69% $221.5M /mrbk-vs-cfbk β†’
OPBK
OP Bancorp
C 63/100 9.0x β€” 11.2% +1.66% $228.9M /opbk-vs-cfbk β†’
INBK
First Internet Bancorp
D- 43/100 β€” β€” -9.8% +4.03% $234.5M /inbk-vs-cfbk β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001070680 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CF Bankshares Inc. (CFBK) reported GAAP revenue of $889.3M (+2.5% vs. FY2024 revenue of $867.5M , and +1069.3% cumulative change since FY2023) , GAAP net income of $17.5M, operating cash flow of $18.7M, and free cash flow of $18.2M (+30.7% YoY). On the balance sheet, CFBK closed FY2025 with $2.12B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $889.3M $17.5M $18.7M $18.2M $2.12B β€”
FY2024 (FY) 2024-12-31 $867.5M $13.4M $14.2M $13.9M $2.07B β€”
FY2023 (FY) 2023-12-31 $76.0M $16.9M $18.1M $18.1M β€” β€”

3. CFBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, CF Bankshares Inc. (NASDAQ: CFBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $35.00 (+2.49% 1D, market cap $224.5M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CFBK ranks #222 in composite RQD confidence.

How does CFBK compare to GBFH and MRBK in the Financials sector?

Within the Financials sector (Major Banks), CFBK carries a Roarable C+ (66/100 RQD), trailing P/E of 12.7x, gross margin of β€”, and ROIC of 9.5%. By comparison, GBFH (GBank Financial Holdings Inc.) holds a D grade (46/100 RQD, P/E 10.6x, ROIC 12.6%, cap $222.4M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $221.5M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CFBK?

Per CFBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001070680), CF Bankshares Inc. generated $889.3M in revenue (+2.5% YoY), $17.5M in net income, and $18.2M in free cash flow against $2.12B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CFBK trading relative to its 50-day, 200-day, and 52-week technical levels?

CFBK last traded at $35.00 (+2.49% on volume of 63,745 shares), positioning the stock +1.51% above its 50-day simple moving average ($34.48) and +10.79% above its 200-day simple moving average ($31.59). Across its 52-week range of $22.10 to $38.11, CFBK sits at the 80.6% percentile with a 14-day RSI of 58.4 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.4% ($33.46 to $36.54).

Direct Sub-Reports: CFBK RQD Cockpit CFBK 12M Forecast CFBK Earnings & Move CFBK Dividends & DRIP CFBK Insiders & 13F CFBK Whale Options CFBK Profit Sankey CFBK News & Why
ROARABLE RATING BRIEF β€’ RQD 66/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

CFBK β€” CF Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

CF Bankshares Inc. (CFBK) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $35.00 (+2.49% 1D, market capitalization $224.5M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 9.5%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 8.19%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

CF Bankshares Inc. Is a NASDAQ-listed issuer in the Financials sector, classified under the Major Banks industry. The profile identifies it as operating in Major Banks with a market capitalization of $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), CF Bankshares Inc. (CFBK) reported $889.3M in annual revenue (up from $867.5M in FY2024, +2.5% YoY) and $17.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($76.0M revenue, $16.9M net income) through FY2025, CFBK scaled operating cash flow to $18.7M and free cash flow to $18.2M, backed by $2.12B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.19% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $22.10 – $38.11 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.7x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CFBK carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can CFBK sustain or expand its β€” operating margin and 9.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $889.3M and free cash flow of $18.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CFBK's 11.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CFBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for CF Bankshares Inc. (CFBK) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CFBK Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CFBK Bull vs. Bear Conversation Board β€” What's Your Call at $35.00?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CFBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CFBK:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER β€’ Swing & Catalyst Trader πŸ‚ BULLISH 🎯 Target: $40.30 (+18.0%)
πŸ“Œ Pinned Debate

Insider conviction scores 16/20 and the FCF yield is 8.19% with ROIC at 9.5%, indicating cash generation and insider support.

Here is why I am bullish on CFBK here at $34.15: Insider conviction scores 16/20 and the FCF yield is 8.19% with ROIC at 9.5%, indicating cash generation and insider support.. Compare CFBK's 0.0% operating margin and 9.5% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $32.44 are getting bought.

VolSurface_Trader πŸ‚ BULL

Both sides have a point here β€” CFBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $27.66 (-19.0%)
Spot @ $34.15

Whale 13F flow scores only 12/20 and the financials report $0.0M revenue and operating income, leaving the profitability picture unclea

I respect the product at CF Bankshares Inc., but the stock at $34.15 is a different story. Whale 13F flow scores only 12/20 and the financials report $0.0M revenue and operating income, leaving the profitability picture unclear.. FCF yield is 8.19% and RQD sits at 66/100 (C+) β€” why pay up here when you can wait for next quarter's numbers?

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