CF Bankshares Inc. (CFBK) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, CF Bankshares reported revenue of $61.0M, up 17.6% from $51.8M the year before. Net income was $17.5M (a 28.8% net margin), or $2.69 per diluted share. Net interest income was $55.0M, and the efficiency ratio (noninterest expense / revenue) was 51.2%. Operating activities generated $18.7M of cash, leaving $18.2M of free cash flow. At fiscal year end, CF Bankshares held $2.12B in total assets against $1.93B in total liabilities, including $259.0M of cash and equivalents.
Open the full interactive CF Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
CF Bankshares Key Stats
| Share Price | $34.11 |
|---|---|
| Market Cap | $216.0M |
| P/E Ratio | 12.7 |
| Revenue YoY Growth | +17.6% |
| 52-Week Range | $22.15 – $36.22 |
| Shares Outstanding | 6.3 million (basic, 2026 Q1) |
CF Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $27.8M | $42.0M | $48.8M | $47.6M | $46.6M | $55.0M |
| Provision for Credit Losses | $10.9M | -$1.6M | $787,000 | $2.3M | $6.7M | $8.2M |
| Noninterest Income | $60.0M | $11.6M | $3.2M | $4.0M | $5.2M | $5.9M |
| Noninterest Expense | $40.6M | $32.5M | $28.6M | $28.4M | $28.9M | $31.2M |
| Revenue | $87.8M | $53.7M | $52.0M | $51.7M | $51.8M | $61.0M |
| Pre-Tax Income | $36.3M | $22.8M | $22.6M | $21.0M | $16.1M | $21.5M |
| Income Tax | $6.7M | $4.4M | $4.4M | $4.0M | $2.8M | $4.0M |
| Net Income | $29.6M | $18.5M | $18.2M | $16.9M | $13.4M | $17.5M |
| Diluted EPS | $4.47 | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
CF Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $15.5M | $15.7M | $14.8M | $16.5M |
| Net Income | $2.3M | $5.7M | $5.0M | $5.9M |
| Diluted EPS | $0.36 | $0.91 | $0.77 | $0.90 |
CF Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $221.6M | — | $151.8M | $261.6M | $235.3M | $259.0M |
| Loans (Net) | $895.3M | $1.21B | $1.57B | — | — | — |
| Total Assets | $1.48B | $1.50B | $1.82B | $2.06B | $2.07B | $2.12B |
| Deposits | $1.11B | $1.25B | $1.53B | $1.74B | $1.76B | $1.78B |
| Total Long-Term Debt | $79.5M | $24.3M | $29.5M | $125.0M | $107.7M | $116.0M |
| Total Liabilities | $1.37B | $1.37B | $1.68B | $1.90B | $1.90B | $1.93B |
| Shareholders' Equity | $110.2M | $125.3M | $139.2M | $155.4M | $168.4M | $184.4M |
CF Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$123.5M | $253.3M | $39.8M | $18.1M | $14.2M | $18.7M |
| Cash From Investing | -$259.8M | -$316.7M | -$353.3M | -$121.9M | -$33.0M | -$25.0M |
| Cash From Financing | $558.9M | $8.4M | $298.8M | $213.6M | -$7.5M | $30.1M |
| Free Cash Flow | -$123.8M | $250.3M | $38.9M | $17.4M | $13.9M | $18.2M |
Figures from CF Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full CF Bankshares financials page for every line item.
CF Bankshares Company Profile
| Ticker | CFBK |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Columbus, Ohio |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001070680 |
Frequently Asked Questions
What was CF Bankshares' revenue in fiscal 2025?
CF Bankshares (CFBK) reported revenue of $61.0M for fiscal 2025.
What is CF Bankshares' annual revenue history?
CF Bankshares' annual revenue by fiscal year: 2020: $87.8M; 2021: $53.7M; 2022: $52.0M; 2023: $51.7M; 2024: $51.8M; 2025: $61.0M.
What was CF Bankshares' net income in fiscal 2025?
CF Bankshares reported net income of $17.5M for fiscal 2025.
What was CF Bankshares' earnings per share (EPS) in fiscal 2025?
CF Bankshares' diluted EPS was $2.69 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did CF Bankshares generate in fiscal 2025?
CF Bankshares generated $18.2M of free cash flow in fiscal 2025.
What was CF Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), CF Bankshares reported revenue of $16.5M.
How much debt does CF Bankshares have?
CF Bankshares reported $116.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of CF Bankshares are outstanding?
CF Bankshares reported a weighted average of 6.3 million basic shares outstanding in 2026 Q1.
What is CF Bankshares' market cap?
Based on its latest closing price, CF Bankshares (CFBK) has a market capitalization of about $216.0M.
When does CF Bankshares' fiscal year end?
CF Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is CF Bankshares headquartered?
CF Bankshares lists its business address in Columbus, Ohio in its SEC filings.