CFBK US Equity

Cf Bankshares Inc.

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Financials · National Commercial Banks · CIK 1070680 · FY ends Dec 31

$34.60

+0.08 (+0.23%)

USD · as of 2026-08-21 · marketstack

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Multiples & cost of capital

$34.60 · 2026-08-21 · marketstack

Size & multiples

Market Cap (close × cover-page shares)

$184.0M

Enterprise Value

—

P/E (TTM)

12.86×

PEG (trailing)

—

P/S

2.94×

P/FCF

10.30×

EV/EBITDA

—

EV/EBIT

—

EV/Sales

—

EV/FCF

—

FCF Yield

9.71%

Buyback Yield

—

Owner Earnings Yield

—

Shareholder Yield

—

Cost of capital & EVAmethodology →

Beta (5y monthly)

0.39

Risk-free (assumed)

4.00%

Equity risk premium (assumed)

4.23%

Cost of Equity

—

After-tax Cost of Debt

—

WACC

—

ROIC

—

EVA Spread (ROIC−WACC)

—

EVA

—

Flows TTM (last 4 quarters); latest annual for: EPS (Diluted) · EPS TTM $2.69 · revenue TTM $62.6M · FCF TTM $17.9M

No four consecutive quarters could be summed for EPS (Diluted); these figures use the latest fiscal year, not a trailing twelve months.
Some figures named '(TTM)' on this payload are the latest FISCAL YEAR, not a trailing twelve months — eps_ttm (fiscal year ended 2025-12-31). No four consecutive quarters could be summed for them — for an IFRS 20-F filer that is every income-statement line (no quarterly income statement is tagged to EDGAR at all); for a US filer it is usually one line the quarterly tagging skips. Each field's own basis is on field_basis.
full derived coverage requires a plan

Output of a disclosed model — assumptions may be wrong. Research, not investment advice. See the Disclaimer.

Own-history valuation (point-in-time)141 monthly snapshots · 2014-12 → 2026-08

P/E (FY) 12.86× sits at the 96th percentile of its own 66-month range (2021-03→2026-08) — own median 7.64×, 4.14×–14.67× range

Own history, not peers · point-in-time, filing-date honest · Multiples above prints 12.86× on trailing-12-month earnings

sector median from 828 Financials names in the same archive

Column definitions

Today: — Latest value — live figure if it matches, else newest snapshot.
Own median: — Middle of this name's own months in the window.
Own range: — min→max rule, shaded p10–p90, tick median, dot today.
%ile: — Where today ranks in its own history.
z: — Standard deviations from its own mean.
Sector med.: — Same-month sector median in the archive.
mo · distinct: — Months · distinct values (the real sample size).

Metric	Today	Own median	Own range	%ile	z	Sector med.	mo · distinct
	12.86×	7.64×		96th	+1.88σ	14.57×	66 · 63
	9.9%	11.5%	no band (54 mo · 5 distinct)	—	—	10.1%	54 · 5
ROIC (FY)	—	no reconstructed observations for this name and metric.
	28.8%	33.7%		23rd	−0.97σ	19.5%	66 · 6
	38.1%	8.8%		83rd	+0.85σ	24.7%	141 · 140
	−1.1%	—	no band (30 mo · 3 distinct)	—	—	3.7%	30 · 3
	5.4%	—	no band (30 mo · 3 distinct)	—	—	7.4%	30 · 3
Market Cap	$183.95M	not reconstructed — market cap was removed from the historical pass (never a ranking factor, and a reconstructed share count carries look-ahead risk). The single stored value is the forward-captured snapshot, not a series.

P/E (FY) · point-in-time monthly66 monthly observations · 2021-03 → 2026-08

P/E (point-in-time)Financials median, same monthshaded = own p10–p90 · dashed = own median · right-edge tick = today

Multiple-implied price ladder · Fulltoday 12.86× · $34.60 (2026-08-21 close)

Filed earnings only.

Own median 7.64× × $2.69 = $20.54 vs the $34.60 close · earnings held constant

Own multiple	P/E	Implied price	vs close
10th percentile	4.54×	$12.20	−64.7%
25th percentile	6.04×	$16.25	−53.0%
median	7.64×	$20.54	−40.6%
75th percentile	10.67×	$28.72	−17.0%
90th percentile	11.78×	$31.69	−8.4%
today	12.86×	$34.60	—

Own multiple

P/E

Implied price

vs close

10th percentile

4.54×

$12.20

−64.7%

25th percentile

6.04×

$16.25

−53.0%

median

7.64×

$20.54

−40.6%

75th percentile

10.67×

$28.72

−17.0%

90th percentile

11.78×

$31.69

−8.4%

today

12.86×

$34.60

—

Reference computation · 66 monthly P/E observations in Full · EPS basis FY2025 EPS (Diluted) $2.69 · close $34.60 (2026-08-21)

Not a forecast: each row re-prices today's filed earnings at a multiple this company itself once traded at. It abstains rather than guess on a loss year or a broken per-share basis.

Reconstructed point-in-time · 141 monthly snapshots 2014-12 → 2026-08 · 139 reconstructed, 2 live 2 forward-captured

Every month uses only what was filed by then, split-adjusted. Delisted names are absent and a trough year can throw one huge reading, so read the median, not the edges.

Percentile through time (point-in-time cohort)

Loading the monthly cohort placement…

▸Comp setname your own peers — pick a pool or add tickers

Cheap vs Financials on P/E

P/E 34th pct

vs Financials· 828 names

Whole-sector pool — median skews small.

Metric	This (FY)	Peer median	IQR (25–75)	%ile
P/E	12.9x	14.5x	11.8x–20.6x	34 ↓cheap
P/Sales	3.0x	3.7x	2.3x–4.9x	35 ↓cheap
FCF Yield	9.9%	6.4%	1.8%–9.6%	76 ↑strong
Dividend Yield	1.1%	2.2%	1.3%–3.1%	18 ↓weak
Net Margin	28.8%	19.5%	5.7%–29.8%	72 ↑strong
ROE	9.9%	10.1%	5.7%–14.3%	48 ↓weak

Metric

This (FY)

Peer median

IQR (25–75)

%ile

P/E

12.9x

14.5x

11.8x–20.6x

34 ↓cheap

P/Sales

3.0x

3.7x

2.3x–4.9x

35 ↓cheap

FCF Yield

9.9%

6.4%

1.8%–9.6%

76 ↑strong

Dividend Yield

1.1%

2.2%

1.3%–3.1%

18 ↓weak

Net Margin

28.8%

19.5%

5.7%–29.8%

72 ↑strong

ROE

9.9%

10.1%

5.7%–14.3%

48 ↓weak

P/Sales basis · 447 peers

Reading the covered industry pool…

Held-with peers…

Peers by disclosure language…

Metric

Today

Own median

Own range

%ile

Sector med.

mo · distinct

12.86×

7.64×

96th

+1.88σ

14.57×

66 · 63

9.9%

11.5%

no band (54 mo · 5 distinct)

—

10.1%

54 · 5

ROIC (FY)

—

no reconstructed observations for this name and metric.

28.8%

33.7%

23rd

−0.97σ

19.5%

66 · 6

38.1%

8.8%

83rd

+0.85σ

24.7%

141 · 140

−1.1%

—

no band (30 mo · 3 distinct)

—

3.7%

30 · 3

5.4%

—

no band (30 mo · 3 distinct)

—

7.4%

30 · 3

Market Cap

$183.95M

not reconstructed — market cap was removed from the historical pass (never a ranking factor, and a reconstructed share count carries look-ahead risk). The single stored value is the forward-captured snapshot, not a series.

Own multiple	P/E	Implied price	vs close
10th percentile	4.54×	$12.20	−64.7%
25th percentile	6.04×	$16.25	−53.0%
median	7.64×	$20.54	−40.6%
75th percentile	10.67×	$28.72	−17.0%
90th percentile	11.78×	$31.69	−8.4%
today	12.86×	$34.60	—

Own multiple

P/E

Implied price

vs close

10th percentile

4.54×

$12.20

−64.7%

25th percentile

6.04×

$16.25

−53.0%

median

7.64×

$20.54

−40.6%

75th percentile

10.67×

$28.72

−17.0%

90th percentile

11.78×

$31.69

−8.4%

today

12.86×

$34.60

—

Metric	This (FY)	Peer median	IQR (25–75)	%ile
P/E	12.9x	14.5x	11.8x–20.6x	34 ↓cheap
P/Sales	3.0x	3.7x	2.3x–4.9x	35 ↓cheap
FCF Yield	9.9%	6.4%	1.8%–9.6%	76 ↑strong
Dividend Yield	1.1%	2.2%	1.3%–3.1%	18 ↓weak
Net Margin	28.8%	19.5%	5.7%–29.8%	72 ↑strong
ROE	9.9%	10.1%	5.7%–14.3%	48 ↓weak

Metric

This (FY)

Peer median

IQR (25–75)

%ile

P/E

12.9x

14.5x

11.8x–20.6x

34 ↓cheap

P/Sales

3.0x

3.7x

2.3x–4.9x

35 ↓cheap

FCF Yield

9.9%

6.4%

1.8%–9.6%

76 ↑strong

Dividend Yield

1.1%

2.2%

1.3%–3.1%

18 ↓weak

Net Margin

28.8%

19.5%

5.7%–29.8%

72 ↑strong

ROE

9.9%

10.1%

5.7%–14.3%

48 ↓weak

Calendar year	2020	2021	2022	2023	2024	2025
Share of covered pool	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Calendar year

2020

2021

2022

2023

2024

2025

Share of covered pool

0.0%

CFBK US Equity☆

Multiples & cost of capital

▸Comp setname your own peers — pick a pool or add tickers

vs Financials· 828 names

Multiples & cost of capital

▸Comp setname your own peers — pick a pool or add tickers

vs Financials· 828 names

CFBK US Equity