CF Bankshares Inc.

AI-generated fair value estimate for this company.

Method: Justified price-to-tangible-book-value approach: (ROE - g) / (cost of equity - g) = (12.5% - 5%) / (10% - 5%) = 1.50x applied to tangible book value per share of $29.04 (Q2 2026), giving ~$43.56/share; ROE estimated from ~$23.6M annualized net income (based on the reported $5.9M Q2 2026 profit) over ~$188.5M total tangible equity (6.49M shares x $29.04).

Reasoning: CF Bankshares is a bank holding company, where an unlevered free-cash-flow DCF is not meaningful because of the balance-sheet-driven nature of bank earnings; a residual-income-style justified P/TBV multiple, grounded in the bank's actual ROE relative to its cost of equity, is the standard and more rigorous valuation approach for depository institutions.