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Financials · CFBK

CF Bankshares Inc. (CFBK) financials

For the twelve months ended Sep 30, 2026, CF Bankshares Inc. reported $63.81M of revenue and $22.70M of net income.

Revenue, TTM
$63.81M
Revenue growth, YoY
+7.8%
Net income, TTM
$22.70M
Net income growth, YoY
+40.0%
Net margin
35.6%
Free cash flow, TTM
$21.04M
EPS, diluted, TTM
$3.46
EPS growth, YoY
+39.0%
Cash
$248.60M
P/E
9.93
P/S
3.53
Market cap
$225.5M
Annual revenue$60.95M
FY2016FY2025
Annual net income$17.54M
FY2016FY2025
Annual free cash flow$18.20M
FY2016FY2025

CFBK revenue and earnings growth

CFBK revenueQ3 2026$16.71M

Quarter YoY
+7.7%
QoQ
+1.0%
FY YoY
+17.6%
5Y CAGR
-7.0%
10Y CAGR
+18.5%

CFBK revenue was $16.71M in fiscal Q3 2026 (ended Sep 30, 2026), up 7.7% from a year earlier and up 1.0% from the prior quarter. For the full fiscal 2025 it was $60.95M, up 17.6% from fiscal 2024. Compound annual growth was -7.0% over 5 years and +18.5% over 10 years. It rose in 7 of the last 10 fiscal years.

CFBK net incomeQ3 2026$6.03M

Quarter YoY
+157.8%
QoQ
+2.0%
FY YoY
+31.0%
5Y CAGR
-9.9%
10Y CAGR
+14.6%

CFBK net income was $6.03M in fiscal Q3 2026 (ended Sep 30, 2026), up 157.8% from a year earlier and up 2.0% from the prior quarter. For the full fiscal 2025 it was $17.54M, up 31.0% from fiscal 2024. Compound annual growth was -9.9% over 5 years and +14.6% over 10 years. It rose in 4 of the last 10 fiscal years.

CFBK EPSQ3 2026$0.91

Quarter YoY
+152.8%
QoQ
+1.1%
FY YoY
+30.6%
5Y CAGR
-9.7%

CFBK diluted EPS was $0.91 in fiscal Q3 2026 (ended Sep 30, 2026), up 152.8% from a year earlier and up 1.1% from the prior quarter. For the full fiscal 2025 it was $2.69, up 30.6% from fiscal 2024. Compound annual growth was -9.7% over 5 years.

CFBK free cash flowQ3 2026$8.40M

Quarter YoY
+61.0%
QoQ
+66.9%
FY YoY
+30.7%
10Y CAGR
+13.7%

CFBK free cash flow was $8.40M in fiscal Q3 2026 (ended Sep 30, 2026), up 61.0% from a year earlier and up 66.9% from the prior quarter. For the full fiscal 2025 it was $18.20M, up 30.7% from fiscal 2024. Compound annual growth was +13.7% over 10 years. It rose in 1 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$60.95M$51.82M$51.67M$52.00M$53.68M$87.80M$33.42M$20.61M$14.42M$12.49M
Interest expense--$60.64M$18.97M$10.31M$14.58M$13.40M$7.00M$3.53M$3.10M
Pre-tax income$21.53M$16.14M$20.98M$22.59M$22.82M$36.28M$12.04M$5.33M$3.46M$2.44M
Income tax$3.99M$2.76M$4.05M$4.43M$4.37M$6.67M$2.44M$1.06M$2.12M$810.0K
Net income$17.54M$13.39M$16.94M$18.16M$18.45M$29.61M$9.60M$4.27M$1.35M$1.63M
EPS, basic$2.70$2.08$2.64$2.84$2.84$4.53$2.05$1.02$0.21$0.05
EPS, diluted$2.69$2.06$2.63$2.78$2.77$4.47$2.03$1.00$0.19$0.05
Diluted shares6.3M6.3M6.4M6.5M6.7M6.1M4.6M4.3M3.5M16.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$258.97M$235.27M$261.60M$151.79M$166.59M$221.59M$45.88M$67.30M$45.50M$57.94M
Total assets$2.12B$2.07B$2.06B$1.82B$1.50B$1.48B$880.54M$665.02M$481.43M$436.11M
Total debt---$29.46M$24.28M$79.51M$12.52M$6.00M$13.50M-
Total liabilities$1.93B$1.90B$1.90B$1.68B$1.37B$1.37B$799.88M$619.47M$441.16M$396.82M
Shareholders' equity$184.43M$168.44M$155.37M$139.21M$125.33M$110.21M$80.66M$45.56M$40.26M$39.29M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$18.69M$14.19M$18.05M$39.76M$253.30M-$123.47M-$103.54M-$11.81M$3.95M$1.79M
Capital expenditures$487.0K$266.0K$661.0K$905.0K$2.96M$385.0K$443.0K$612.0K$312.0K$47.0K
Free cash flow$18.20M$13.92M$17.39M$38.86M$250.34M-$123.85M-$103.98M-$12.42M$3.64M$1.75M
Investing cash flow-$25.04M-$32.99M-$121.85M-$353.32M-$316.73M-$259.75M-$111.40M-$143.77M-$59.38M-$52.60M
Financing cash flow$30.05M-$7.52M$213.61M$298.75M$8.42M$558.93M$193.51M$177.38M$42.98M$82.85M
Dividends paid$1.95M$1.61M$1.48M$1.15M$848.0K$195.0K----
Stock-based compensation$1.39M$1.16M$1.17M$899.0K$707.0K$711.0K$527.0K$376.0K$246.0K$122.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY17.6%0.3%-0.6%-3.1%-38.9%162.7%62.2%42.9%15.4%12.1%
Net income growth, YoY31.0%-21.0%-6.8%-1.6%-37.7%208.4%124.7%217.5%-17.3%-63.7%
EPS growth, YoY30.6%-21.7%-5.4%0.4%-38.0%120.2%103.0%426.3%--75.0%
Net margin28.8%25.8%32.8%34.9%34.4%33.7%28.7%20.7%9.3%13.0%
Free cash flow margin29.9%26.9%33.7%74.7%466.4%-141.1%-311.1%-60.3%25.2%14.0%
Return on equity9.5%7.9%10.9%13.0%14.7%26.9%11.9%9.4%3.3%4.1%
Return on assets0.8%0.6%0.8%1.0%1.2%2.0%1.1%0.6%0.3%0.4%
Debt to equity---0.210.190.720.160.130.34-

Source: XBRL data CF Bankshares Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CFBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CFBK$63.81M+7.8%$22.70M35.6%$225.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CFBK FAQ

8 questions
  • What is CFBK revenue?
    CF Bankshares Inc. (CFBK) reported $63.81M of revenue for the twelve months ended Sep 30, 2026. That is up 7.8% from the year before. Revenue for fiscal 2025 was $60.95M.
  • Is CFBK profitable?
    Yes. CF Bankshares Inc. earned $22.70M in net income for the twelve months ended Sep 30, 2026, a net margin of 35.6%.
  • How much cash and debt does CFBK have?
    CF Bankshares Inc. reported $248.60M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CFBK revenue growing?
    CF Bankshares Inc.'s revenue changed +17.6% in fiscal 2025, to $60.95M. Its compound annual growth rate was -7.0% over 5 years and +18.5% over 10 years.
  • What is CFBK free cash flow?
    CF Bankshares Inc. generated $21.04M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $21.28M less capital expenditures.
  • What is CFBK earnings per share?
    Diluted earnings per share were $3.46 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CFBK last report financial results?
    The latest statements here come from CF Bankshares Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this CFBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data CF Bankshares Inc. files with the SEC. It is provided for information only and is not investment advice.