CFBK
CF BanksharesBNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
The best post-print argument is that Q1 still showed 13% year-over-year net income growth, positive core commercial loan growth, lower funding costs, rising fee income, strong capital ratios, and book value per share of $28.20, slightly above the May 15, 2026 anchor price of $27.21. If management is right that Q1 funding timing delayed revenue recognition into Q2, the stock could rerate modestly from a sub-book setup [#8-K-2026-05-05].
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -8.3.
What can break
A $5.0 million non-core commercial loan moved to nonaccrual in Q1 and reduced reported interest income.
Momentum
66
Value
59
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.00 · Bull $31.00 · Bear $23.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $36.00
Why
Momentum66 · Δ7d +4.9
Value59 · Δ7d -8.3
Sentiment42 · Δ7d -4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
66
26% active weight
Current posture
7d trendSoftening
Δ7d
+4.9
Δ21d
+0.2
Value
59
39% active weight
Current posture
7d trendSoftening
Δ7d
-8.3
Δ21d
+0.1
Sentiment
42
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.7
Δ21d
-7.8
Why this grade
Composite grade B. Momentum 65.7 / Value 59.2 / Sentiment 42.4
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$214.92M
Beta
0.42
Shares Out
6.51M
P/E (TTM)
10.0
P/S (TTM)
2.70
P/FCF (TTM)
6.21
Rev YoY
-2.6%
EPS YoY
+13.0%
Gross Margin
-
Op Margin
+33.6%
Net Debt
-$137.09M
Current Ratio
1.07
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology