CF Bankshares (FRA:2BM) E10: €2.22 (As of Jun. 2026)

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FRA:2BM CF Bankshares Inc FRA:2BM
57 GF Score
Price €29.60
GF Value €23.69
! 6 Warning Signs
View Full Analysis

What is CF Bankshares E10?

CF Bankshares FRA:2BM -3.43% 57 E10 is €2.22 as of Jun. 2026. GuruFocus rates FRA:2BM with a GF Score™ of 57/100 and a GF Value™ of €23.69. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

CF Bankshares's adjusted earnings per share data for the three months ended in Jun. 2026 was €0.781. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.22 for the trailing ten years ended in Jun. 2026.

During the past 12 months, CF Bankshares's average E10 Growth Rate was 10.00% per year. During the past 3 years, the average E10 Growth Rate was 14.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of CF Bankshares was 145.50% per year. The lowest was -49.50% per year. And the median was 9.45% per year.

As of today (2026-08-21), CF Bankshares's current stock price is €29.60. CF Bankshares's E10 for the quarter that ended in Jun. 2026 was €2.22. CF Bankshares's Shiller PE Ratio of today is 13.33.

During the past 13 years, the highest Shiller PE Ratio of CF Bankshares was 150.40. The lowest was 7.92. And the median was 10.91.


CF Bankshares  (FRA:2BM) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

CF Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=29.60/2.22
=13.33

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of CF Bankshares was 150.40. The lowest was 7.92. And the median was 10.91.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


CF Bankshares E10 Related Terms


CF Bankshares E10 Historical Data

* Premium members only.

The historical data trend for CF Bankshares's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CF Bankshares E10 Chart

CF Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

CF Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 2.22

FRA:2BM vs QNBC, EFSI, PBNC: E10 Comparison

For the Banks - Regional subindustry, CF Bankshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CF Bankshares Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, CF Bankshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where CF Bankshares's Shiller PE Ratio falls into.


FRA:2BM
57GF Score
CF Bankshares Inc FRA:2BM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CF Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, CF Bankshares's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.781/333.9520*333.9520
=0.781

Current CPI (Jun. 2026) = 333.9520.

CF Bankshares Quarterly Data

per share eps CPI Adj_EPS
201609 0.098 241.428 0.136
201612 0.052 241.432 0.072
201703 0.051 243.801 0.070
201706 0.098 244.955 0.134
201709 0.126 246.819 0.170
201712 -0.046 246.524 -0.062
201803 0.138 249.554 0.185
201806 0.214 251.989 0.284
201809 0.206 252.439 0.273
201812 0.290 251.233 0.385
201903 0.345 254.202 0.453
201906 0.487 256.143 0.635
201909 0.536 256.759 0.697
201912 0.459 256.974 0.596
202003 0.271 258.115 0.351
202006 1.359 257.797 1.760
202009 1.307 260.280 1.677
202012 0.912 260.474 1.169
202103 0.806 264.877 1.016
202106 0.432 271.696 0.531
202109 0.519 274.310 0.632
202112 0.602 278.802 0.721
202203 0.627 287.504 0.728
202206 0.681 296.311 0.768
202209 0.657 296.808 0.739
202212 0.680 296.797 0.765
202303 0.635 301.836 0.703
202306 0.609 305.109 0.667
202309 0.581 307.789 0.630
202312 0.596 306.746 0.649
202403 0.432 312.332 0.462
202406 0.242 314.175 0.257
202409 0.586 315.301 0.621
202412 0.649 315.605 0.687
202503 0.629 319.799 0.657
202506 0.668 322.561 0.692
202509 0.307 324.800 0.316
202512 0.752 324.054 0.775
202603 0.666 330.213 0.674
202606 0.781 333.952 0.781

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.22 mean?
CF Bankshares (FRA:2BM) has a E10 of €2.22 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on CF Bankshares and its competitors.
Is CF Bankshares' E10 too high?
CF Bankshares' current E10 is €2.22. Overall, CF Bankshares has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does CF Bankshares' E10 compare to QNBC and EFSI?
CF Bankshares' E10 of €2.22 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on CF Bankshares and its competitors. CF Bankshares's current E10 is €2.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CF Bankshares stock overvalued right now?
CF Bankshares (FRA:2BM) has a current E10 of €2.22. The stock's GF Value™ is €23.69, compared to a current price of €29.60 — trading 24.9% above its estimated fair value. The current E10 is €2.22. CF Bankshares' overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For CF Bankshares (FRA:2BM), the current E10 is €2.22 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is CF Bankshares (FRA:2BM) Overvalued in 2026?

Based on GuruFocus' analysis, CF Bankshares stock appears to be overvalued. The current stock price of €29.60 is trading 24.9% above its estimated GF Value™ of €23.69.

Key valuation signals for FRA:2BM:

  • E10: €2.22
  • GF Value™: €23.69 vs. price of €29.60 (24.9% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the FRA:2BM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CF Bankshares Business Description

Other Exchanges CFBK:USA
Address 4960 East Dublin Granville Road, Suite 400, Columbus, OH, USA, 43081
CF Bankshares Inc is engaged in the provision of a variety of financial services. It provides personalized business banking products and services, including commercial loans and leases, commercial and residential real estate loans, equipment leasing, SBA loans, and treasury management depository services. The revenues are derived principally from the interest and fees on loans originated and noninterest income generated on the sale of loans.
57GF Score

Get the complete analysis for FRA:2BM

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.60
Price
€23.69
GF Value