CF BANKSHARES INC. (CFBK)
National Commercial Banks · Financial Services · $189M
Intrinsic Value (Consensus)
$37.98
Current Price
$30.02
Margin of Safety
+26.5%
26.5% Below Intrinsic Value
Value: $38
Price: $30
Valuation Model Estimates
Current Price: $30.02
DCF (Discounted Cash Flow)
$134.80
Graham Number
$41.99
Earnings Power Value
$26.12
Relative Value (P/E)
$53.80
Dividend Discount Model
$30.00
Consensus Value
$37.98
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
68
Profitability
15/25
Strength
24/25
Valuation
19/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (9.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.69
- EPS (Forward)
- $3.23
- Book Value
- $29.13
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.5%
- Debt/Equity
- 16%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance