Free Trial
→ INSANE DRONE FOOTAGE (From Paradigm Press) (Ad)tc pixel Free CFBK Stock Alerts

CF Bankshares (CFBK) Financials

CF Bankshares logo
$33.50 -0.06 (-0.18%)
Closing price 04:00 PM Eastern
Extended Trading
$33.52 +0.02 (+0.07%)
As of 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
Annual Income Statements for CF Bankshares

Annual Income Statements for CF Bankshares

This table shows CF Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 3.62 0.77 0.68 4.27 9.39 27 18 18 17 13 17
Consolidated Net Income / (Loss)		 4.48 1.63 1.35 4.27 9.60 30 18 18 17 13 18
Net Income / (Loss) Continuing Operations		 4.48 1.63 1.35 4.27 9.91 30 18 18 17 13 18
Total Pre-Tax Income 		1.28 2.44 3.46 5.33 12 36 23 23 21 16 22
Total Revenue		 11 12 14 21 34 88 54 52 52 52 61
Net Interest Income / (Expense)		 9.80 11 14 18 22 28 42 49 48 47 55
Total Interest Income		 12 14 17 25 35 42 52 68 108 118 120
Loans and Leases Interest Income		 12 14 16 24 34 42 51 64 97 107 109
Investment Securities Interest Income		 0.21 0.20 0.34 0.38 0.38 0.36 0.99 1.23 1.25 1.22 0.99
Federal Funds Sold and Securities Borrowed Interest Income		 0.07 0.16 0.38 0.65 0.95 0.18 0.10 2.82 9.65 10 9.73
Total Interest Expense		 2.61 3.10 3.53 7.00 13 15 10 19 61 72 65
Deposits Interest Expense		 2.21 2.66 3.06 6.10 12 12 8.01 16 56 67 60
Long-Term Debt Interest Expense		 0.40 0.44 0.48 0.90 1.72 2.67 2.30 3.02 4.28 4.59 4.95
Total Non-Interest Income		 1.35 1.18 0.74 2.72 12 60 12 3.21 4.03 5.18 5.93
Service Charges on Deposit Accounts		 - - 0.41 0.49 0.55 0.63 0.85 1.14 1.57 2.51 2.88
Other Service Charges		 0.90 0.91 0.12 0.16 0.26 0.85 0.63 0.64 1.66 1.14 1.52
Net Realized & Unrealized Capital Gains on Investments		 0.31 0.13 0.08 1.93 11 58 9.64 0.84 0.19 0.68 0.60
Other Non-Interest Income		 0.13 0.13 0.14 0.14 0.14 0.15 0.53 0.60 0.63 0.85 0.93
Provision for Credit Losses		 0.25 0.23 0.00 0.00 0.00 11 -1.60 0.79 2.32 6.74 8.25
Total Non-Interest Expense		 9.61 9.82 11 15 21 41 32 29 28 29 31
Salaries and Employee Benefits		 4.75 4.97 6.07 8.20 11 22 17 15 15 14 16
Net Occupancy & Equipment Expense		 1.59 1.70 1.67 1.82 2.32 2.89 3.21 4.06 3.87 4.39 4.65
Marketing Expense		 0.15 0.13 0.15 1.39 2.83 5.62 3.06 0.43 0.34 0.13 0.42
Property & Liability Insurance Claims		 0.42 0.22 0.28 0.49 0.53 0.59 1.24 1.13 2.22 2.08 2.06
Other Operating Expenses		 2.49 2.61 2.57 3.13 4.22 9.13 7.56 6.81 6.81 7.62 7.86
Depreciation Expense		 0.21 0.21 0.21 0.25 0.32 0.38 0.44 0.50 0.57 0.49 0.48
Amortization Expense		 - - - - - 0.00 0.02 0.57 0.06 0.06 0.00
Income Tax Expense		 -3.19 0.81 2.12 1.06 2.44 6.68 4.37 4.43 4.05 2.76 3.99
Preferred Stock Dividends Declared		 0.86 0.86 0.67 - 0.21 2.28 - 0.00 0.00 0.36 0.54
Basic Earnings per Share		 $0.23 $0.05 $0.21 $1.02 $2.05 $4.53 $2.84 $2.84 $2.64 $2.08 $2.70
Weighted Average Basic Shares Outstanding		 16.02M 16.29M 23.31M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Diluted Earnings per Share		 $0.20 $0.05 $0.19 $1.00 $2.03 $4.47 $2.77 $2.78 $2.63 $2.06 $2.69
Weighted Average Diluted Shares Outstanding		 16.02M 16.29M 23.31M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Weighted Average Basic & Diluted Shares Outstanding		 16.02M 16.29M 23.31M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Cash Dividends to Common per Share		 - - - - - $0.03 $0.13 $0.18 $0.23 $0.25 $0.30

Quarterly Income Statements for CF Bankshares

This table shows CF Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.24 3.01 1.64 4.07 4.31 4.29 4.88 2.27 5.56 4.87 5.73
Consolidated Net Income / (Loss)		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
Net Income / (Loss) Continuing Operations		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
Total Pre-Tax Income 		5.17 3.77 1.93 5.28 5.17 5.58 6.40 2.71 6.84 5.89 7.26
Total Revenue		 13 12 13 13 14 14 16 16 16 15 17
Net Interest Income / (Expense)		 12 11 11 11 13 13 14 14 14 13 15
Total Interest Income		 30 29 29 30 30 29 30 30 30 28 30
Loans and Leases Interest Income		 26 26 26 27 27 27 28 27 27 26 28
Investment Securities Interest Income		 0.30 0.29 0.30 0.31 0.32 0.31 0.19 0.21 0.27 0.33 0.32
Federal Funds Sold and Securities Borrowed Interest Income		 3.18 2.78 2.68 2.50 2.46 2.07 2.26 2.75 2.64 1.99 2.20
Total Interest Expense		 18 18 18 19 17 16 16 17 16 15 15
Deposits Interest Expense		 17 17 17 17 16 15 15 15 14 13 14
Long-Term Debt Interest Expense		 1.10 1.15 1.16 1.15 1.12 1.04 1.17 1.37 1.37 1.33 1.37
Total Non-Interest Income		 1.03 0.91 1.22 1.61 1.45 1.21 1.58 1.72 1.42 1.49 1.70
Service Charges on Deposit Accounts		 0.49 0.56 0.62 0.66 0.67 0.67 0.72 0.70 0.79 0.84 0.92
Other Service Charges		 0.30 -0.12 0.30 0.63 0.33 0.32 0.42 0.58 0.21 0.26 0.38
Net Realized & Unrealized Capital Gains on Investments		 0.09 0.26 0.09 0.11 0.23 -0.01 0.21 0.21 0.19 0.15 0.15
Other Non-Interest Income		 0.16 0.20 0.21 0.22 0.22 0.23 0.23 0.24 0.24 0.25 0.25
Provision for Credit Losses		 0.88 1.24 3.56 0.56 1.38 0.58 1.43 5.07 1.17 0.60 0.94
Total Non-Interest Expense		 6.75 7.19 7.09 7.23 7.43 7.95 7.75 7.73 7.74 8.31 8.34
Salaries and Employee Benefits		 3.33 3.51 3.57 3.54 3.56 4.18 3.95 3.80 3.78 4.33 4.33
Net Occupancy & Equipment Expense		 1.03 1.05 1.12 1.10 1.13 1.11 1.10 1.15 1.29 1.20 1.17
Marketing Expense		 0.03 0.01 0.04 0.05 0.04 0.04 0.08 0.13 0.16 0.34 0.13
Property & Liability Insurance Claims		 0.63 0.60 0.50 0.53 0.45 0.55 0.53 0.51 0.47 0.39 0.44
Other Operating Expenses		 1.53 1.89 1.74 1.90 2.10 1.96 1.96 2.02 1.92 1.94 2.16
Depreciation Expense		 0.14 0.13 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12
Income Tax Expense		 0.93 0.70 0.24 1.08 0.75 1.15 1.37 0.37 1.10 0.87 1.35
Preferred Stock Dividends Declared		 - 0.06 0.05 0.14 0.11 0.14 0.16 0.07 0.18 0.16 0.18
Basic Earnings per Share		 $0.66 $0.48 $0.26 $0.65 $0.69 $0.68 $0.77 $0.36 $0.89 $0.77 $0.91
Weighted Average Basic Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M
Diluted Earnings per Share		 $0.67 $0.47 $0.26 $0.65 $0.68 $0.68 $0.77 $0.36 $0.88 $0.77 $0.90
Weighted Average Diluted Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M
Weighted Average Basic & Diluted Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M

Annual Cash Flow Statements for CF Bankshares

This table details how cash moves in and out of CF Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -2.31 32 -12 22 -21 176 -55 -15 110 -26 24
Net Cash From Operating Activities		 5.10 1.79 3.95 -12 -104 -123 253 40 18 14 19
Net Cash From Continuing Operating Activities		 5.10 1.79 3.95 -12 -104 -123 253 40 18 14 19
Net Income / (Loss) Continuing Operations		 4.48 1.63 1.35 4.27 9.60 30 18 18 17 13 18
Consolidated Net Income / (Loss)		 4.48 1.63 1.35 4.27 9.60 30 18 18 17 13 18
Provision For Loan Losses		 0.25 0.23 0.00 0.00 0.00 11 -1.60 0.79 2.32 6.74 8.25
Depreciation Expense		 0.21 0.21 0.21 0.25 0.32 0.38 0.44 0.50 0.57 0.49 0.48
Non-Cash Adjustments to Reconcile Net Income		 -0.35 -1.30 2.79 -16 -111 -159 236 26 -1.28 -2.40 -4.60
Changes in Operating Assets and Liabilities, net		 0.49 1.09 -0.30 -0.39 -2.48 -3.95 2.71 -5.44 -0.49 -4.02 -2.98
Net Cash From Investing Activities		 -39 -53 -59 -144 -111 -260 -317 -353 -122 -33 -25
Net Cash From Continuing Investing Activities		 -39 -53 -59 -144 -111 -260 -317 -353 -122 -33 -25
Purchase of Property, Leasehold Improvements and Equipment		 -0.05 -0.05 -0.31 -0.61 -0.44 -0.39 -2.96 -0.91 -0.66 -0.27 -0.49
Purchase of Investment Securities		 -49 -55 -62 -146 -121 -266 -354 -369 -126 -40 -51
Sale and/or Maturity of Investments		 10 2.59 2.69 3.35 10 7.12 40 16 4.86 7.42 27
Net Cash From Financing Activities		 32 83 43 177 194 559 8.42 299 214 -7.52 30
Net Cash From Continuing Financing Activities		 32 83 43 177 194 559 8.42 299 214 -7.52 30
Net Change in Deposits		 32 85 44 161 167 367 135 282 216 12 25
Issuance of Debt		 2.50 38 34 84 767 645 104 40 37 27 10
Repayment of Debt		 -2.50 -39 -34 -69 -765 -452 -229 -20 -37 -45 -1.95
Repurchase of Common Equity		 - -0.03 - - 0.00 -0.65 -2.97 -2.34 -0.18 -0.22 -1.28
Payment of Dividends		 -0.75 -0.75 -0.75 - 0.00 -0.20 -0.85 -1.15 -1.48 -1.61 -1.95
Other Financing Activities, Net		 0.26 -0.25 0.07 1.01 1.34 0.10 1.77 0.98 -1.37 -0.07 0.14
Cash Interest Paid		 2.61 3.06 3.53 6.85 13 14 11 18 59 72 65
Cash Income Taxes Paid		 - 0.07 1.23 0.97 2.51 10 3.85 2.45 3.98 0.66 2.69

Quarterly Cash Flow Statements for CF Bankshares

This table details how cash moves in and out of CF Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 32 -25 4.88 -8.26 1.75 5.71 35 -3.32 -13 8.79 -15
Net Cash From Operating Activities		 7.98 -1.16 3.98 -1.26 13 2.21 7.96 5.48 3.05 4.73 5.08
Net Cash From Continuing Operating Activities		 7.98 -1.16 3.98 -1.26 13 2.21 7.96 5.48 3.05 4.73 5.08
Net Income / (Loss) Continuing Operations		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
Consolidated Net Income / (Loss)		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
Provision For Loan Losses		 0.88 1.24 3.56 0.56 1.38 0.58 1.43 5.07 1.17 0.60 0.94
Depreciation Expense		 0.14 0.13 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12
Non-Cash Adjustments to Reconcile Net Income		 -0.21 -1.08 -1.39 -1.81 1.88 -1.15 1.22 -0.70 -3.96 1.11 -1.34
Changes in Operating Assets and Liabilities, net		 2.94 -4.52 -0.00 -4.33 4.84 -1.78 0.15 -1.35 -0.02 -2.13 -0.56
Net Cash From Investing Activities		 -35 -1.78 2.72 -28 -5.67 -23 -5.44 22 -19 -23 -37
Net Cash From Continuing Investing Activities		 -35 -1.78 2.72 -28 -5.67 -23 -5.44 22 -19 -23 -37
Purchase of Property, Leasehold Improvements and Equipment		 -0.01 -0.00 -0.01 -0.03 -0.23 -0.05 -0.12 -0.26 -0.06 -0.11 -0.05
Purchase of Investment Securities		 -36 -6.29 3.47 -29 -7.85 -48 -6.66 22 -18 -23 -38
Sale and/or Maturity of Investments		 0.60 4.51 -0.75 1.26 2.40 25 1.34 0.30 -1.01 0.03 1.01
Net Cash From Financing Activities		 59 -22 -1.81 21 -5.21 26 32 -31 2.17 27 18
Net Cash From Continuing Financing Activities		 59 -22 -1.81 21 -5.21 26 32 -31 2.17 27 18
Net Change in Deposits		 59 -21 -27 49 10 28 26 -31 2.08 29 19
Issuance of Debt		 0.02 1.00 26 - - 0.03 10 0.05 0.08 0.05 0.05
Repayment of Debt		 -0.02 0.00 - -29 -16 -0.03 -1.80 -0.05 -0.07 -0.05 -1.80
Payment of Dividends		 -0.39 -0.39 -0.39 -0.39 -0.45 -0.45 -0.46 -0.52 -0.52 -0.58 -0.59
Other Financing Activities, Net		 0.48 -1.21 -0.94 1.05 1.02 -1.01 -1.00 1.10 1.05 -1.39 0.81
Cash Interest Paid		 18 17 18 19 18 16 17 16 16 14 16
Cash Income Taxes Paid		 0.80 0.00 0.36 - 0.31 0.00 1.31 1.38 - 0.00 0.64

Annual Balance Sheets for CF Bankshares

This table presents CF Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 351 436 481 665 881 1,477 1,496 1,820 2,059 2,066 2,117
Cash and Due from Banks		 26 58 45 67 46 222 167 152 262 235 259
Interest Bearing Deposits at Other Banks		 - 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10
Trading Account Securities		 10 17 13 27 144 297 49 16 15 16 23
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,572 1,694 1,722 1,739
Premises and Equipment, Net		 3.61 3.43 3.53 3.86 3.99 3.73 5.87 3.78 3.81 3.54 3.55
Other Assets		 312 358 419 16 23 59 60 76 84 88 93
Total Liabilities & Shareholders' Equity		 351 436 481 665 881 1,477 1,496 1,820 2,059 2,066 2,117
Total Liabilities		 313 397 441 619 800 1,367 1,370 1,681 1,903 1,897 1,933
Non-Interest Bearing Deposits		 43 73 90 111 116 199 285 263 236 274 286
Interest Bearing Deposits		 248 303 330 469 632 915 964 1,268 1,510 1,484 1,498
Long-Term Debt		 20 19 19 34 44 229 105 124 125 108 116
Other Long-Term Liabilities		 - - - - 1.96 1.53 17 25 32 31 34
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 38 39 40 46 81 110 125 139 155 168 184
Total Preferred & Common Equity		 38 39 40 46 81 110 125 139 155 168 184
Preferred Stock		 0.01 0.01 0.00 0.00 0.00 0.00 0.00 - - 0.00 0.00
Total Common Equity		 38 39 40 46 81 110 125 139 155 168 184
Common Stock		 60 60 61 62 87 88 89 90 91 92 94
Retained Earnings		 -19 -18 -17 -13 -2.93 26 44 61 77 88 104
Treasury Stock		 -3.25 -3.28 -3.32 -3.37 -3.39 -4.07 -7.18 -9.69 -9.99 -10 -12
Accumulated Other Comprehensive Income / (Loss)		 -0.01 0.00 -0.05 -0.07 0.03 0.10 -0.17 -2.04 -2.29 -1.80 -1.37

Quarterly Balance Sheets for CF Bankshares

This table presents CF Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,992 2,039 2,041 2,066 2,095 2,134 2,111 2,146 2,170
Cash and Due from Banks		 230 237 242 234 241 276 272 268 253
Interest Bearing Deposits at Other Banks		 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10
Trading Account Securities		 15 15 17 19 12 11 12 21 22
Loans and Leases, Net of Allowance		 1,660 1,696 1,688 1,717 1,750 1,755 1,728 1,761 1,799
Premises and Equipment, Net		 3.94 3.69 3.57 3.48 3.47 3.47 3.62 3.53 3.37
Other Assets		 84 88 91 93 88 89 95 92 93
Total Liabilities & Shareholders' Equity		 1,992 2,039 2,041 2,066 2,095 2,134 2,111 2,146 2,170
Total Liabilities		 1,841 1,881 1,881 1,902 1,922 1,957 1,932 1,957 1,975
Non-Interest Bearing Deposits		 214 237 218 258 292 296 278 241 274
Interest Bearing Deposits		 1,472 1,487 1,479 1,489 1,493 1,514 1,502 1,570 1,557
Long-Term Debt		 125 126 152 124 108 116 116 116 114
Other Long-Term Liabilities		 30 31 32 32 29 30 36 30 30
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 151 158 160 164 173 177 179 189 194
Total Preferred & Common Equity		 151 158 160 164 173 177 179 189 194
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 151 158 160 164 173 177 179 189 194
Common Stock		 91 91 92 92 93 93 93 94 95
Retained Earnings		 73 79 81 84 92 97 99 108 114
Treasury Stock		 -9.82 -10 -10 -10 -10 -11 -11 -12 -12
Accumulated Other Comprehensive Income / (Loss)		 -2.38 -2.28 -2.24 -1.96 -1.73 -1.57 -1.41 -1.49 -1.66

Annual Metrics And Ratios for CF Bankshares

This table displays calculated financial ratios and metrics derived from CF Bankshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 16,033,710.00 16,002,910.00 23,137,665.00 4,298,044.00 5,339,690.00 6,565,756.00 6,578,134.00 6,485,992.00 6,555,063.00 - 6,443,775.00
DEI Adjusted Shares Outstanding		 2,915,220.00 2,909,620.00 4,206,848.00 4,298,044.00 5,339,690.00 6,565,756.00 6,578,134.00 6,485,992.00 6,555,063.00 - 6,443,775.00
DEI Earnings Per Adjusted Shares Outstanding		 1.54 0.56 0.32 0.99 1.80 4.51 2.81 2.80 2.58 - 2.72
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.11% 12.07% 15.42% 42.93% 63.71% 160.28% -38.86% -3.13% -0.63% 0.29% 17.62%
EBITDA Growth		 68.89% 69.87% 38.54% 54.79% 127.09% 179.58% -40.98% 11.28% -6.65% -22.84% 32.31%
EBIT Growth		 168.06% 89.80% 42.02% 54.00% 131.78% 193.69% -37.11% -0.99% -7.11% -23.07% 33.34%
NOPAT Growth		 834.66% -63.66% -17.27% 217.46% 124.69% 208.38% -37.68% -1.57% -6.76% -20.96% 31.03%
Net Income Growth		 834.66% -63.66% -17.27% 217.46% 124.69% 208.38% -37.68% -1.57% -6.76% -20.96% 31.03%
EPS Growth		 0.00% -75.00% -17.27% 426.32% 103.00% 120.20% -38.03% 0.36% -5.40% -21.67% 30.58%
Operating Cash Flow Growth		 383.60% -64.88% 120.48% -398.91% -776.70% -19.25% 305.16% -84.30% -54.60% -21.39% 31.71%
Free Cash Flow Firm Growth		 107.37% 144.36% -77.11% -4,513.00% -110.74% -428.77% 169.04% -112.13% 101.53% 7,294.96% -138.47%
Invested Capital Growth		 7.02% -0.03% 1.67% 35.49% 55.95% 172.70% -32.27% 14.65% 6.33% -1.50% 8.81%
Revenue Q/Q Growth		 -2.35% 3.76% 5.85% 10.17% 16.26% 14.40% -14.67% 2.88% -1.93% 2.35% 2.99%
EBITDA Q/Q Growth		 -6.35% 15.78% 13.45% 12.88% 23.72% 11.51% -10.77% 6.80% -3.18% -0.17% 8.26%
EBIT Q/Q Growth		 -5.38% 17.05% 13.62% 13.72% 24.76% 12.77% -10.42% 1.53% -3.36% -0.01% 8.41%
NOPAT Q/Q Growth		 381.92% -65.18% -33.66% 59.56% 21.93% 17.11% -13.50% 1.14% -2.51% 1.38% 8.13%
Net Income Q/Q Growth		 229.92% -65.18% -33.66% 59.56% 21.93% 17.11% -13.50% 1.14% -2.51% 1.38% 8.13%
EPS Q/Q Growth		 566.67% -79.17% -33.66% 66.67% 32.68% 26.27% -13.17% 1.46% -1.87% 0.49% 8.03%
Operating Cash Flow Q/Q Growth		 -37.06% 54.48% 578.87% 28.98% -98.29% 14.74% 42.96% -54.51% 7.08% 48.79% -33.91%
Free Cash Flow Firm Q/Q Growth		 318.63% 608.33% 113.00% -481.92% -168.41% 17.92% -30.59% 71.96% 103.81% 906.87% -178.63%
Invested Capital Q/Q Growth		 5.82% -3.06% -8.95% 13.64% 36.53% -0.83% 28.27% 4.37% 1.49% -4.01% 1.75%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.64% 20.67% 24.81% 26.87% 37.28% 40.04% 38.65% 44.40% 41.71% 32.09% 36.10%
EBIT Margin		 11.52% 19.51% 24.01% 25.87% 36.62% 41.32% 42.51% 43.45% 40.61% 31.15% 35.32%
Profit (Net Income) Margin		 40.17% 13.03% 9.34% 20.74% 28.46% 33.72% 34.38% 34.93% 32.78% 25.83% 28.78%
Tax Burden Percent		 348.68% 66.76% 38.89% 80.17% 79.74% 81.60% 80.87% 80.40% 80.71% 82.92% 81.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 97.47% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -248.68% 33.24% 61.11% 19.83% 20.26% 18.40% 19.13% 19.60% 19.29% 17.08% 18.52%
Return on Invested Capital (ROIC)		 7.99% 2.81% 2.30% 6.16% 9.40% 12.76% 6.48% 7.36% 6.23% 4.81% 6.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.99% 2.81% 2.30% 6.16% 9.40% 12.76% 6.48% 7.36% 6.23% 4.81% 6.08%
Return on Net Nonoperating Assets (RNNOA)		 4.31% 1.39% 1.08% 3.80% 5.81% 18.26% 9.19% 6.37% 5.27% 3.46% 3.86%
Return on Equity (ROE)		 12.30% 4.19% 3.38% 9.96% 15.21% 31.02% 15.67% 13.73% 11.50% 8.27% 9.94%
Cash Return on Invested Capital (CROIC)		 1.20% 2.84% 0.65% -23.98% -34.32% -79.91% 44.96% -6.29% 0.09% 6.33% -2.35%
Operating Return on Assets (OROA)		 0.39% 0.62% 0.75% 0.93% 1.60% 3.08% 1.54% 1.36% 1.08% 0.78% 1.03%
Return on Assets (ROA)		 1.34% 0.41% 0.29% 0.75% 1.24% 2.51% 1.24% 1.10% 0.87% 0.65% 0.84%
Return on Common Equity (ROCE)		 12.29% 4.19% 3.38% 9.96% 15.21% 31.01% 15.66% 13.73% 11.49% 8.27% 9.94%
Return on Equity Simple (ROE_SIMPLE)		 11.69% 4.14% 3.34% 9.38% 11.90% 26.87% 14.72% 13.04% 10.90% 7.95% 9.51%
Net Operating Profit after Tax (NOPAT)		 4.48 1.63 1.35 4.27 9.60 30 18 18 17 13 18
NOPAT Margin		 40.17% 13.03% 9.34% 20.74% 28.46% 33.72% 34.38% 34.93% 32.78% 25.83% 28.78%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.19% 54.32% 54.76% 55.38% 48.36% 34.74% 43.25% 37.72% 36.22% 36.08% 34.10%
Operating Expenses to Revenue		 86.24% 78.65% 75.99% 74.13% 63.38% 46.24% 60.47% 55.04% 54.90% 55.84% 51.15%
Earnings before Interest and Taxes (EBIT)		 1.28 2.44 3.46 5.33 12 36 23 23 21 16 22
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.52 2.58 3.58 5.54 13 35 21 23 22 17 22
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.53 0.68 1.52 1.06 0.89 1.02 1.04 0.96 0.80 0.97 0.87
Price to Tangible Book Value (P/TBV)		 0.53 0.68 1.52 1.06 0.89 1.02 1.04 0.96 0.80 0.97 0.87
Price to Revenue (P/Rev)		 1.82 2.15 4.24 2.34 2.12 1.27 2.44 2.57 2.40 3.14 2.62
Price to Earnings (P/E)		 5.62 34.94 89.89 11.30 7.62 4.09 7.09 7.35 7.31 12.48 9.40
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.18% 0.80% 1.07% 1.22% 0.98% 1.21%
Earnings Yield		 17.80% 2.86% 1.11% 8.85% 13.12% 24.44% 14.10% 13.61% 13.68% 8.01% 10.64%
Enterprise Value to Invested Capital (EV/IC)		 0.24 0.00 0.58 0.19 0.56 0.35 0.30 0.40 0.00 0.13 0.06
Enterprise Value to Revenue (EV/Rev)		 1.26 0.00 2.37 0.73 2.06 1.36 1.28 2.04 0.00 0.67 0.27
Enterprise Value to EBITDA (EV/EBITDA)		 9.27 0.00 9.56 2.73 5.52 3.40 3.32 4.59 0.00 2.10 0.76
Enterprise Value to EBIT (EV/EBIT)		 10.98 0.00 9.88 2.84 5.62 3.29 3.02 4.69 0.00 2.16 0.77
Enterprise Value to NOPAT (EV/NOPAT)		 3.15 0.00 25.40 3.54 7.23 4.03 3.73 5.83 0.00 2.61 0.95
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.76 0.00 8.65 0.00 0.00 0.00 0.27 2.67 0.00 2.46 0.89
Enterprise Value to Free Cash Flow (EV/FCFF)		 20.92 0.00 90.67 0.00 0.00 0.00 0.54 0.00 0.00 1.98 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.51 0.47 0.46 0.75 0.54 2.08 0.83 0.89 0.80 0.64 0.63
Long-Term Debt to Equity		 0.51 0.47 0.46 0.75 0.54 2.08 0.83 0.89 0.80 0.64 0.63
Financial Leverage		 0.54 0.49 0.47 0.62 0.62 1.43 1.42 0.87 0.85 0.72 0.63
Leverage Ratio		 9.16 10.15 11.53 13.36 12.24 12.35 12.62 12.53 13.17 12.73 11.85
Compound Leverage Factor		 9.16 10.15 11.53 13.36 11.93 12.35 12.62 12.53 13.17 12.73 11.85
Debt to Total Capital		 33.91% 32.19% 31.66% 42.93% 35.20% 67.54% 45.49% 47.18% 44.57% 38.99% 38.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 33.91% 32.19% 31.66% 42.93% 35.20% 67.54% 45.49% 47.18% 44.57% 38.99% 38.60%
Preferred Equity to Total Capital		 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.08% 67.80% 68.34% 57.07% 64.80% 32.44% 54.51% 52.79% 55.43% 60.99% 61.37%
Debt to EBITDA		 12.93 7.23 5.22 6.19 3.49 6.52 5.04 5.39 5.80 6.48 5.27
Net Debt to EBITDA		 -4.11 -15.25 -7.53 -5.98 -0.17 0.22 -2.99 -1.19 -6.34 -7.68 -6.50
Long-Term Debt to EBITDA		 12.93 7.23 5.22 6.19 3.49 6.52 5.04 5.39 5.80 6.48 5.27
Debt to NOPAT		 4.39 11.47 13.86 8.02 4.56 7.74 5.67 6.85 7.38 8.04 6.61
Net Debt to NOPAT		 -1.39 -24.21 -20.02 -7.76 -0.22 0.26 -3.36 -1.51 -8.07 -9.54 -8.16
Long-Term Debt to NOPAT		 4.39 11.47 13.86 8.02 4.56 7.74 5.67 6.85 7.38 8.04 6.61
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.00% 0.00% 0.04% 0.03% 0.03% 0.02% 0.02% 0.04%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.67 1.65 0.38 -17 -35 -185 128 -16 0.24 18 -6.77
Operating Cash Flow to CapEx		 11,337.78% 3,812.77% 1,266.35% -1,929.74% -23,372.01% -32,068.83% 9,776.26% 4,393.81% 2,730.86% 5,334.21% 3,837.37%
Free Cash Flow to Firm to Interest Expense		 0.26 0.53 0.11 -2.38 -2.62 -12.72 12.42 -0.82 0.00 0.25 -0.10
Operating Cash Flow to Interest Expense		 1.96 0.58 1.12 -1.69 -7.72 -8.47 24.57 2.10 0.30 0.20 0.29
Operating Cash Flow Less CapEx to Interest Expense		 1.94 0.56 1.03 -1.78 -7.76 -8.50 24.32 2.05 0.29 0.19 0.28
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.04 0.04 0.07 0.04 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 3.02 3.55 4.14 5.57 8.59 22.74 11.18 10.78 13.62 14.10 17.21
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 58 58 59 80 124 339 230 264 280 276 300
Invested Capital Turnover		 0.20 0.22 0.25 0.30 0.33 0.38 0.19 0.21 0.19 0.19 0.21
Increase / (Decrease) in Invested Capital		 3.80 -0.02 0.97 21 45 215 -110 34 17 -4.21 24
Enterprise Value (EV)		 14 -12 34 15 69 119 69 106 -13 35 17
Market Capitalization		 20 27 61 48 72 112 131 133 124 163 160
Book Value per Share		 $2.39 $2.46 $1.74 $10.60 $15.11 $16.78 $19.05 $21.46 $23.70 $26.37 $28.62
Tangible Book Value per Share		 $2.39 $2.46 $1.74 $10.60 $15.11 $16.78 $19.05 $21.46 $23.70 $26.37 $28.62
Total Capital		 58 58 59 80 124 339 230 264 280 276 300
Total Debt		 20 19 19 34 44 229 105 124 125 108 116
Total Long-Term Debt		 20 19 19 34 44 229 105 124 125 108 116
Net Debt		 -6.24 -39 -27 -33 -2.16 7.58 -62 -28 -137 -128 -143
Capital Expenditures (CapEx)		 0.05 0.05 0.31 0.61 0.44 0.39 2.59 0.91 0.66 0.27 0.49
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 20 19 19 34 44 229 105 124 125 108 116
Total Depreciation and Amortization (D&A)		 0.24 0.15 0.12 0.21 0.22 -1.13 -2.07 0.50 0.57 0.49 0.48
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.27 $0.28 $0.22 $1.02 $2.05 $4.53 $2.84 $2.84 $2.64 $2.08 $2.70
Adjusted Weighted Average Basic Shares Outstanding		 2.91M 2.96M 4.24M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Adjusted Diluted Earnings per Share		 $1.10 $0.28 $0.22 $1.00 $2.03 $4.47 $2.77 $2.78 $2.63 $2.06 $2.69
Adjusted Weighted Average Diluted Shares Outstanding		 2.91M 2.96M 4.24M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.05 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.91M 2.96M 4.24M 4.39M 5.37M 6.65M 6.52M 6.55M 6.34M 6.40M 6.51M
Normalized Net Operating Profit after Tax (NOPAT)		 0.90 1.63 2.42 4.27 9.60 30 18 18 17 13 18
Normalized NOPAT Margin		 8.06% 13.03% 16.81% 20.74% 28.46% 33.72% 34.38% 34.93% 32.78% 25.83% 28.78%
Pre Tax Income Margin		 11.52% 19.51% 24.01% 25.87% 35.70% 41.32% 42.51% 43.45% 40.61% 31.15% 35.32%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.49 0.79 0.98 0.76 0.92 2.49 2.21 1.19 0.35 0.23 0.33
NOPAT to Interest Expense		 1.72 0.53 0.38 0.61 0.72 2.03 1.79 0.96 0.28 0.19 0.27
EBIT Less CapEx to Interest Expense		 0.48 0.77 0.89 0.67 0.89 2.46 1.96 1.14 0.34 0.22 0.32
NOPAT Less CapEx to Interest Expense		 1.70 0.51 0.29 0.52 0.68 2.00 1.54 0.91 0.27 0.18 0.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 16.75% 46.10% 55.72% 0.00% 0.00% 0.66% 4.60% 6.35% 8.71% 12.06% 11.11%
Augmented Payout Ratio		 16.75% 47.94% 55.72% 0.00% 0.00% 2.85% 20.70% 19.22% 9.76% 13.72% 18.42%

Quarterly Metrics And Ratios for CF Bankshares

This table displays calculated financial ratios and metrics derived from CF Bankshares' official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 6,555,063.00 6,341,297.00 6,386,121.00 6,388,110.00 - 6,397,334.00 6,480,330.00 6,447,507.00 6,443,775.00 6,510,702.00 6,498,114.00
DEI Adjusted Shares Outstanding		 6,555,063.00 6,341,297.00 6,386,121.00 6,388,110.00 - 6,397,334.00 6,480,330.00 6,447,507.00 6,443,775.00 6,510,702.00 6,498,114.00
DEI Earnings Per Adjusted Shares Outstanding		 0.65 0.48 0.27 0.66 - 0.69 0.78 0.36 0.89 0.77 0.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.38% -9.39% 0.97% 0.76% 9.32% 15.80% 23.81% 18.69% 12.64% 4.90% 6.19%
EBITDA Growth		 -20.67% -31.15% -62.15% 4.67% -0.53% 46.26% 217.33% -47.62% 31.80% 5.58% 13.24%
EBIT Growth		 -12.36% -31.84% -63.40% 5.32% -0.04% 48.18% 231.26% -48.64% 32.33% 5.61% 13.48%
NOPAT Growth		 -9.33% -30.98% -59.86% 4.32% 4.30% 44.30% 197.05% -44.35% 29.86% 13.41% 17.42%
Net Income Growth		 -9.33% -30.98% -59.86% 4.32% 4.30% 44.30% 197.05% -44.35% 29.86% 13.41% 17.42%
EPS Growth		 -6.94% -30.88% -60.61% 4.84% 1.49% 44.68% 196.15% -44.62% 29.41% 13.24% 16.88%
Operating Cash Flow Growth		 17.60% -120.09% 116.24% -151.57% 58.31% 290.01% 99.85% 533.54% -75.89% 114.37% -36.16%
Free Cash Flow Firm Growth		 57.05% 122.28% 15.77% 62.98% 169.24% -44.01% 162.94% 27.32% -315.25% -343.92% -140.89%
Invested Capital Growth		 6.33% -3.81% 14.50% 4.15% -1.50% -1.27% -6.01% 2.65% 8.81% 8.77% 5.34%
Revenue Q/Q Growth		 -1.40% -4.68% 3.25% 3.82% 6.99% 0.97% 10.39% -0.47% 1.53% -5.96% 11.74%
EBITDA Q/Q Growth		 2.87% -26.62% -47.27% 162.95% -2.24% 7.90% 14.41% -56.60% 145.99% -13.57% 22.71%
EBIT Q/Q Growth		 3.03% -27.13% -48.69% 173.40% -2.22% 8.02% 14.72% -57.61% 151.94% -13.80% 23.27%
NOPAT Q/Q Growth		 5.06% -27.51% -44.79% 148.08% 5.04% 0.29% 13.66% -53.53% 145.13% -12.41% 17.68%
Net Income Q/Q Growth		 5.06% -27.51% -44.79% 148.08% 5.04% 0.29% 13.66% -53.53% 145.13% -12.41% 17.68%
EPS Q/Q Growth		 8.06% -29.85% -44.68% 150.00% 4.62% 0.00% 13.24% -53.25% 144.44% -12.50% 16.88%
Operating Cash Flow Q/Q Growth		 225.58% -114.55% 442.89% -131.75% 1,099.45% -82.54% 260.65% -31.12% -44.42% 55.25% 7.40%
Free Cash Flow Firm Q/Q Growth		 36.38% 214.98% -363.61% 80.80% 219.00% -7.02% 196.35% -122.17% -252.42% -5.36% 50.32%
Invested Capital Q/Q Growth		 1.49% 1.30% 9.78% -7.72% -4.01% 1.54% 4.50% 0.78% 1.75% 1.51% 1.20%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.51% 31.96% 16.32% 41.34% 37.77% 40.36% 41.83% 18.24% 44.20% 40.62% 44.61%
EBIT Margin		 40.41% 30.89% 15.35% 40.43% 36.95% 39.53% 41.08% 17.49% 43.41% 39.79% 43.90%
Profit (Net Income) Margin		 33.12% 25.19% 13.47% 32.18% 31.60% 31.39% 32.32% 15.09% 36.43% 33.93% 35.73%
Tax Burden Percent		 81.96% 81.54% 87.73% 79.61% 85.52% 79.40% 78.67% 86.25% 83.92% 85.27% 81.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.04% 18.46% 12.27% 20.39% 14.48% 20.60% 21.33% 13.75% 16.08% 14.73% 18.60%
Return on Invested Capital (ROIC)		 6.29% 4.38% 2.33% 5.78% 5.89% 5.98% 6.06% 3.06% 7.70% 7.15% 7.44%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.29% 4.38% 2.33% 5.78% 5.89% 5.98% 6.06% 3.06% 7.70% 7.15% 7.44%
Return on Net Nonoperating Assets (RNNOA)		 5.33% 4.04% 2.10% 4.56% 4.23% 4.22% 4.83% 2.14% 4.88% 4.42% 4.61%
Return on Equity (ROE)		 11.62% 8.43% 4.43% 10.34% 10.11% 10.20% 10.89% 5.20% 12.58% 11.57% 12.04%
Cash Return on Invested Capital (CROIC)		 0.09% 9.26% -9.06% 0.62% 6.33% 6.50% 12.18% 2.95% -2.35% -2.21% 1.12%
Operating Return on Assets (OROA)		 1.08% 0.78% 0.39% 1.01% 0.93% 1.03% 1.12% 0.50% 1.27% 1.16% 1.28%
Return on Assets (ROA)		 0.88% 0.64% 0.34% 0.80% 0.79% 0.82% 0.88% 0.43% 1.06% 0.99% 1.04%
Return on Common Equity (ROCE)		 11.61% 8.42% 4.43% 10.33% 10.11% 10.20% 10.89% 5.20% 12.58% 11.56% 12.04%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.84% 8.16% 8.05% 0.00% 8.54% 10.21% 9.04% 0.00% 9.60% 9.78%
Net Operating Profit after Tax (NOPAT)		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
NOPAT Margin		 33.12% 25.19% 13.47% 32.18% 31.60% 31.39% 32.32% 15.09% 36.43% 33.93% 35.73%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.35% 37.50% 37.57% 35.83% 33.74% 37.80% 32.98% 32.78% 33.21% 39.58% 34.00%
Operating Expenses to Revenue		 52.75% 58.96% 56.35% 55.30% 53.17% 56.35% 49.77% 49.82% 49.17% 56.13% 50.40%
Earnings before Interest and Taxes (EBIT)		 5.17 3.77 1.93 5.28 5.17 5.58 6.40 2.71 6.84 5.89 7.26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.31 3.90 2.05 5.40 5.28 5.70 6.52 2.83 6.96 6.02 7.38
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.79 0.74 0.83 0.97 0.80 0.87 0.86 0.87 0.96 1.09
Price to Tangible Book Value (P/TBV)		 0.80 0.79 0.74 0.83 0.97 0.80 0.87 0.86 0.87 0.96 1.09
Price to Revenue (P/Rev)		 2.40 2.47 2.33 2.69 3.14 2.58 2.73 2.60 2.62 2.94 3.39
Price to Earnings (P/E)		 7.31 8.04 9.12 10.50 12.48 9.69 8.82 9.77 9.40 10.31 11.52
Dividend Yield		 1.22% 1.22% 1.30% 1.41% 0.98% 1.20% 1.13% 1.21% 1.21% 1.15% 1.04%
Earnings Yield		 13.68% 12.44% 10.96% 9.52% 8.01% 10.32% 11.33% 10.23% 10.64% 9.70% 8.68%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.05 0.09 0.09 0.13 0.02 0.00 0.00 0.06 0.10 0.24
Enterprise Value to Revenue (EV/Rev)		 0.00 0.27 0.56 0.52 0.67 0.10 0.00 0.00 0.27 0.48 1.17
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.69 1.71 1.57 2.10 0.29 0.00 0.00 0.76 1.31 3.17
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.71 1.77 1.62 2.16 0.29 0.00 0.00 0.77 1.34 3.23
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.87 2.16 1.98 2.61 0.36 0.00 0.00 0.95 1.62 3.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 1.22 2.12 2.74 2.46 0.30 0.00 0.00 0.89 1.38 4.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.51 0.00 14.92 1.98 0.29 0.00 0.00 0.00 0.00 21.75
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.80 0.80 0.95 0.75 0.64 0.62 0.65 0.65 0.63 0.61 0.59
Long-Term Debt to Equity		 0.80 0.80 0.95 0.75 0.64 0.62 0.65 0.65 0.63 0.61 0.59
Financial Leverage		 0.85 0.92 0.90 0.79 0.72 0.71 0.80 0.70 0.63 0.62 0.62
Leverage Ratio		 13.17 13.17 13.04 12.87 12.73 12.50 12.40 12.17 11.85 11.72 11.58
Compound Leverage Factor		 13.17 13.17 13.04 12.87 12.73 12.50 12.40 12.17 11.85 11.72 11.58
Debt to Total Capital		 44.57% 44.35% 48.80% 42.99% 38.99% 38.40% 39.57% 39.27% 38.60% 38.04% 37.02%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 44.57% 44.35% 48.80% 42.99% 38.99% 38.40% 39.57% 39.27% 38.60% 38.04% 37.02%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.43% 55.63% 51.19% 56.99% 60.99% 61.58% 60.41% 60.71% 61.37% 61.96% 62.95%
Debt to EBITDA		 5.80 6.37 9.27 7.42 6.48 5.84 5.06 5.71 5.27 5.20 4.93
Net Debt to EBITDA		 -6.34 -5.61 -5.47 -6.60 -7.68 -7.24 -6.98 -7.70 -6.50 -6.80 -5.99
Long-Term Debt to EBITDA		 5.80 6.37 9.27 7.42 6.48 5.84 5.06 5.71 5.27 5.20 4.93
Debt to NOPAT		 7.38 8.10 11.68 9.36 8.04 7.30 6.41 7.15 6.61 6.40 6.01
Net Debt to NOPAT		 -8.07 -7.14 -6.89 -8.33 -9.54 -9.05 -8.84 -9.65 -8.16 -8.37 -7.31
Long-Term Debt to NOPAT		 7.38 8.10 11.68 9.36 8.04 7.30 6.41 7.15 6.61 6.40 6.01
Noncontrolling Interest Sharing Ratio		 0.02% 0.04% 0.04% 0.04% 0.02% 0.03% 0.03% 0.04% 0.04% 0.02% 0.03%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -12 14 -38 -7.25 8.63 8.02 24 -5.27 -19 -20 -9.72
Operating Cash Flow to CapEx		 61,384.62% -38,700.00% 49,762.50% -4,514.29% 5,565.20% 4,085.19% 6,918.26% 2,083.65% 5,538.18% 4,338.53% 10,581.25%
Free Cash Flow to Firm to Interest Expense		 -0.69 0.81 -2.10 -0.39 0.49 0.49 1.45 -0.32 -1.18 -1.32 -0.64
Operating Cash Flow to Interest Expense		 0.44 -0.07 0.22 -0.07 0.72 0.14 0.49 0.33 0.19 0.32 0.33
Operating Cash Flow Less CapEx to Interest Expense		 0.44 -0.07 0.22 -0.07 0.71 0.13 0.48 0.31 0.19 0.31 0.33
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 13.62 12.92 13.20 13.65 14.10 15.02 16.12 16.68 17.21 17.60 18.30
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 280 284 312 288 276 280 293 295 300 305 309
Invested Capital Turnover		 0.19 0.17 0.17 0.18 0.19 0.19 0.19 0.20 0.21 0.21 0.21
Increase / (Decrease) in Invested Capital		 17 -11 39 11 -4.21 -3.59 -19 7.61 24 25 16
Enterprise Value (EV)		 -13 14 28 26 35 5.29 -5.00 -2.57 17 29 73
Market Capitalization		 124 125 118 136 163 139 155 154 160 181 212
Book Value per Share		 $23.70 $24.92 $24.99 $25.66 $26.37 $26.99 $27.32 $27.81 $28.62 $29.02 $29.91
Tangible Book Value per Share		 $23.70 $24.92 $24.99 $25.66 $26.37 $26.99 $27.32 $27.81 $28.62 $29.02 $29.91
Total Capital		 280 284 312 288 276 280 293 295 300 305 309
Total Debt		 125 126 152 124 108 108 116 116 116 116 114
Total Long-Term Debt		 125 126 152 124 108 108 116 116 116 116 114
Net Debt		 -137 -111 -90 -110 -128 -133 -160 -156 -143 -152 -139
Capital Expenditures (CapEx)		 0.01 0.00 0.01 0.03 0.23 0.05 0.12 0.26 0.06 0.11 0.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 125 126 152 124 108 108 116 116 116 116 114
Total Depreciation and Amortization (D&A)		 0.14 0.13 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.48 $0.26 $0.65 $0.69 $0.68 $0.77 $0.36 $0.89 $0.77 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M
Adjusted Diluted Earnings per Share		 $0.67 $0.47 $0.26 $0.65 $0.68 $0.68 $0.77 $0.36 $0.88 $0.77 $0.90
Adjusted Weighted Average Diluted Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.34M 6.39M 6.39M 6.39M 6.40M 6.48M 6.45M 6.44M 6.51M 6.50M 6.49M
Normalized Net Operating Profit after Tax (NOPAT)		 4.24 3.07 1.70 4.21 4.42 4.43 5.04 2.34 5.74 5.02 5.91
Normalized NOPAT Margin		 33.12% 25.19% 13.47% 32.18% 31.60% 31.39% 32.32% 15.09% 36.43% 33.93% 35.73%
Pre Tax Income Margin		 40.41% 30.89% 15.35% 40.43% 36.95% 39.53% 41.08% 17.49% 43.41% 39.79% 43.90%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.29 0.21 0.11 0.29 0.30 0.34 0.39 0.16 0.43 0.40 0.48
NOPAT to Interest Expense		 0.24 0.17 0.09 0.23 0.25 0.27 0.31 0.14 0.36 0.34 0.39
EBIT Less CapEx to Interest Expense		 0.29 0.21 0.11 0.28 0.28 0.34 0.38 0.15 0.43 0.39 0.48
NOPAT Less CapEx to Interest Expense		 0.24 0.17 0.09 0.23 0.24 0.27 0.30 0.13 0.36 0.33 0.39
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 8.71% 9.91% 11.85% 11.72% 12.06% 11.40% 9.68% 11.60% 11.11% 11.46% 11.61%
Augmented Payout Ratio		 9.76% 12.20% 14.92% 14.74% 13.72% 11.40% 13.92% 16.79% 18.42% 11.46% 14.33%

Financials Breakdown Chart

Key Financial Trends

CF Bankshares’ financial performance has strengthened over the available period, although the latest cash-flow trends warrant monitoring. From Q3 2023 through Q2 2026, total assets increased from $1.99 billion to $2.17 billion, while net loans grew from $1.66 billion to $1.80 billion. Total equity rose more quickly, from $151.3 million to $194.4 million, improving the company’s equity-to-assets ratio from approximately 7.6% to 9.0%.

The most recent quarter showed continued momentum. Compared with Q1 2026, Q2 total interest income increased 6.7% to $30.0 million, while total interest expense rose only 2.0% to $15.2 million. As a result, net interest income advanced 11.3% to $14.8 million. Net income attributable to common shareholders increased 17.7% to $5.7 million, and diluted earnings per share rose from $0.77 to $0.90.

  • Loan growth remains healthy: Net loans increased 2.1% sequentially in Q2 2026 and approximately 8.4% from Q3 2023, supporting future interest income.
  • Improving profitability: Q2 2026 net income attributable to common shareholders rose to $5.7 million from $4.9 million in Q1 and $4.9 million in the restated Q2 2025 period.
  • Higher earnings per share: Diluted EPS increased to $0.90 in Q2 2026 from $0.77 in both Q1 2026 and Q2 2025, helped by stronger earnings and a relatively stable share count.
  • Credit-loss provision declined: The provision for credit losses fell to $944,000 in Q2 2026 from $1.43 million in Q2 2025, providing a meaningful lift to pre-tax income.
  • Deposit funding continues to expand: Total deposits reached approximately $1.83 billion at June 30, 2026, up from $1.69 billion at September 30, 2023. Deposit growth helped fund the increase in loans.
  • Capital position has improved: Total equity increased approximately 28.5% from Q3 2023 to Q2 2026, giving CF Bankshares a larger capital base to support balance-sheet growth.
  • Investment activity is substantial: The bank purchased $38.4 million of investment securities in Q2 2026, contributing to a $37.4 million investing cash outflow. This may support future interest income, but it also reduces near-term cash flexibility.
  • Non-interest income remains a small contributor: Q2 non-interest income was $1.7 million, or roughly 10% of total revenue. This leaves the company primarily dependent on net interest income and interest-rate conditions.
  • Operating cash flow weakened: Net cash from operating activities declined to $5.1 million in Q2 2026 from $8.0 million in the restated Q2 2025 period, despite higher net income.
  • Cash balances and overall liquidity declined: Cash and due from banks fell to $253.1 million at June 30, 2026 from $275.7 million a year earlier, while Q2 net cash decreased by $14.7 million. The decline was driven primarily by securities purchases and could limit flexibility if deposit conditions weaken.

Overall, the statements point to a growing and better-capitalized bank with improving loan balances, net interest income and earnings. The primary risks are rising operating expenses, continued reliance on deposit funding and the recent use of cash to purchase investment securities. Investors should watch whether operating cash flow recovers and whether credit-loss provisions remain contained as the loan portfolio expands.

10/17/26 12:17 AM ETAI Generated. May Contain Errors.

CF Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CF Bankshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

CF Bankshares' net income appears to be on an upward trend, with a most recent value of $17.54 million in 2025, rising from $4.48 million in 2015. The previous period was $13.39 million in 2024. See where experts think CF Bankshares is headed by visiting CF Bankshares' forecast page.

Over the last 10 years, CF Bankshares' total revenue changed from $11.15 million in 2015 to $60.95 million in 2025, a change of 446.9%.

In the past 11 quarters, CF Bankshares' cash and equivalents has ranged from $229.76 million in Q3 2023 to $275.68 million in Q2 2025, and is currently $253.10 million as of their latest financial filing in Q2 2026.

CF Bankshares had total debt of $116.00 million at the end of 2025, a 7.7% increase from 2024, and a 490.2% increase since 2015.

Over the last 10 years, CF Bankshares' book value per share changed from 2.39 in 2015 to 28.62 in 2025, a change of 1,097.9%.


Related Companies

Financial statements for NASDAQ:CFBK last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Elon Musk’s 4th Wealth Window Set to Open by October 30
Jeff Brown, the analyst who flagged Bitcoin, Tesla, and Nvidia early, is tracking Elon Musk's next move. He po...
Brownstone Research | Sponsoredtc pixel
Financial legend: “This is bad, really bad...”
Dr. Martin D. Weiss has publicly predicted six major American financial crashes over his 55-year career leadin...
Weiss Ratings | Sponsoredtc pixel
This free guide explains options the way they should be taught
Most options educators jump straight into Greeks, spreads, and implied volatility - losing beginners before th...
Base Camp Trading | Sponsoredtc pixel
SpaceX minted 4400 millionaires in a single day
SpaceX minted 4,400 millionaires in a single day, and Tesla has turned more than 5,000 employees into milliona...
Behind the Markets | Sponsoredtc pixel
Trump’s issues shocking Executive Order on U.S. Dollar
Three days into his second term, President Trump signed Executive Order 14178 a move the press barely covered....
Banyan Hill Publishing | Sponsoredtc pixel
A new income category is drawing serious money - here's why
Forbes recently called a new category of exchange-traded income funds a 'golden era,' and Bloomberg noted the ...
Investors Alley | Sponsoredtc pixel
Undiscovered Sub-$1 Gold-Silver Royalty Stock Takes Flight
A small-cap gold and silver royalty company is generating record revenue from producing mines, yet shares stil...
Digest Publishing | Sponsoredtc pixel
INSANE DRONE FOOTAGE
New drone footage shows a mysterious factory rising at one of Elon Musk's most secure facilities, cleared and ...
Paradigm Press | Sponsoredtc pixel