SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
CF Bankshares Inc. (CFBK) trades at a trailing P/E of 10.7, forward P/E of 8.0. Trailing earnings yield is 9.37%, forward earnings yield 12.55%. PEG 0.35 (Peter Lynch undervalued ≤1.0). Graham Number is $42.54.
Criteria proven by this page:
- VALUE (77/100, Pass) — P/E is below market average (10.7); PEG ≤ 1.0 — Peter Lynch undervalued (0.35); earnings yield beats bond yields (9.37%).
- Forward P/E 8.0 (down from trailing 10.7) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.35 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 9.37% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 12.55% as earnings recover.
- Analyst consensus target $29.00 (-0.5% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 64/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
77/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CFBK
Valuation Multiples
P/E (TTM)10.7
Forward P/E8.0
PEG Ratio0.35
Forward PEG0.22
P/B Ratio1.00
P/S Ratio1.50
EV/EBITDA2.3
Per Share Data
EPS (TTM)$2.74
Forward EPS (Est.)$3.66
Book Value / Share$29.36
Revenue / Share$19.93
FCF / Share$2.87
Yields & Fair Value
Earnings Yield9.37%
Forward Earnings Yield12.55%
Dividend Yield1.09%
Graham Number$42.54
SharesGrow IV$84.13 (+188.5%)
Analyst Target$29.00 (-0.5%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
17.2 |
-0.22 |
0.71 |
1.82 |
2.67% |
| 2017 |
36.6 |
-1.71 |
1.22 |
2.77 |
1.52% |
| 2018 |
11.7 |
0.03 |
1.09 |
1.81 |
- |
| 2019 |
6.7 |
0.07 |
0.79 |
1.37 |
- |
| 2020 |
3.6 |
0.03 |
0.97 |
1.04 |
0.18% |
| 2021 |
7.2 |
-0.19 |
1.07 |
2.10 |
0.63% |
| 2022 |
7.5 |
0.00 |
0.97 |
1.93 |
0.85% |
| 2023 |
7.4 |
-1.05 |
0.81 |
1.12 |
1.18% |
| 2024 |
12.0 |
-0.56 |
0.95 |
1.31 |
1.01% |
| 2025 |
9.2 |
0.31 |
0.85 |
1.25 |
1.24% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.28 |
$15.45M |
$1.63M |
10.5% |
| 2017 |
$0.22 |
$17.78M |
$1.35M |
7.6% |
| 2018 |
$1.00 |
$27.49M |
$4.27M |
15.5% |
| 2019 |
$2.03 |
$46.59M |
$9.6M |
20.6% |
| 2020 |
$4.47 |
$102.08M |
$29.61M |
29% |
| 2021 |
$2.77 |
$63.64M |
$18.45M |
29% |
| 2022 |
$2.78 |
$70.28M |
$18.16M |
25.8% |
| 2023 |
$2.63 |
$111.69M |
$16.94M |
15.2% |
| 2024 |
$2.06 |
$122.16M |
$13.39M |
11% |
| 2025 |
$2.69 |
$125.9M |
$17M |
13.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.68 |
$3.68 – $3.68 |
$68.35M |
$68.35M – $68.35M |
1 |
| 2027 |
$4.32 |
$4.32 – $4.32 |
$73.77M |
$73.77M – $73.77M |
1 |
