NASDAQ · Financial Statements

CF Bankshares Inc. (CFBK) Financial Statements

$34.48 NASDAQ: CFBK Market Cap $221.21M

CF Bankshares Inc. most recently reported annual revenue of $126.0M, net profit of $17.0M. Revenue grew at an average annual rate of 4.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

CF Bankshares Inc.: Revenue rose from $15.0M in 2016 to $126.0M in 2025, a change of +740.0% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 15.8% to 17.1%, a shift of +1.3 percentage points; the most recent year shows net profit of $17.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$15.0M$18.0M$27.0M$47.0M$102.0M$64.0M$70.0M$112.0M$122.0M$126.0M
Operating Expenses$13.0M$14.0M$22.0M$35.0M$66.0M$41.0M$48.0M$91.0M$106.0M$104.0M
Operating Profit$2.0M$3.0M$5.0M$12.0M$36.0M$23.0M$23.0M$21.0M$16.0M$22.0M
Operating Margin15.8%19.5%19.4%25.8%35.5%35.9%32.1%18.8%13.2%17.1%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$3.0M$4.0M$7.0M$13.0M$15.0M$10.0M$19.0M$61.0M$72.0M$65.0M
Depreciation$0$0$0$0$0$0$0$1.0M$0$0
Profit Before Tax$2.0M$3.0M$5.0M$12.0M$36.0M$23.0M$23.0M$21.0M$16.0M$22.0M
Tax$33.2M$61.1M$19.8M$20.3M$18.4M$19.1M$19.6M$19.3M$17.1M$18.5M
Net Profit$2.0M$1.0M$4.0M$10.0M$30.0M$18.0M$18.0M$17.0M$13.0M$17.0M
EPS$0.28$0.22$1.00$2.03$4.47$2.77$2.78$2.63$2.06$2.69
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$29.0M$31.0M$30.0M$30.0M$31.0M$31.0M$30.0M$32.0M$32.0M$31.0M$30.0M$32.0M
Operating Expenses$24.0M$25.0M$26.0M$28.0M$26.0M$26.0M$25.0M$25.0M$29.0M$25.0M$24.0M$24.0M
Operating Profit$5.0M$5.0M$4.0M$2.0M$5.0M$5.0M$6.0M$6.0M$3.0M$7.0M$6.0M$7.0M
Operating Margin17.1%16.9%12.7%6.4%16.8%16.7%18.6%20.2%8.5%21.7%19.9%22.9%
Interest$16.0M$18.0M$18.0M$18.0M$19.0M$17.0M$16.0M$16.0M$17.0M$16.0M$15.0M$15.0M
Profit Before Tax$5.0M$5.0M$4.0M$2.0M$5.0M$5.0M$6.0M$6.0M$3.0M$7.0M$6.0M$7.0M
Tax$19.6M$18.0M$18.5M$12.3M$20.4M$14.5M$20.6M$21.3M$13.8M$16.1M$14.7M$18.6M
Net Profit$4.0M$4.0M$3.0M$2.0M$4.0M$4.0M$4.0M$5.0M$2.0M$6.0M$5.0M$6.0M
EPS$0.62$0.65$0.47$0.26$0.65$0.68$0.68$0.77$0.36$0.88$0.77$0.90

Over the 10 years reported for CF Bankshares Inc., borrowings increased from $19.0M in 2016 to $122.0M in 2025, cash stood at $259.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 15.24 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$436.0M$481.0M$665.0M$881.0M$1.5B$1.5B$1.8B$2.1B$2.1B$2.1B
Current Assets$77.0M$62.0M$84.0M$66.0M$265.0M$208.0M$183.0M$283.0M$252.0M$259.0M
Cash$58.0M$46.0M$67.0M$46.0M$222.0M$167.0M$152.0M$262.0M$235.0M$259.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$5.0M$5.0M$7.0M$12.0M$35.0M$25.0M$21.0M$13.0M$8.0M$9.0M
Fixed Assets$3.0M$4.0M$4.0M$6.0M$5.0M$8.0M$5.0M$9.0M$10.0M$9.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$363.0M$419.0M$578.0M$807.0M$1.2B$1.3B$1.6B$1.7B$1.7B$1.8B
Other Assets$0$0$0$0$0$0$0$0$0$0
Total Liabilities$397.0M$441.0M$619.0M$800.0M$1.4B$1.4B$1.7B$1.9B$1.9B$1.9B
Current Liabilities$378.0M$422.0M$584.0M$753.0M$1.1B$1.3B$1.6B$1.7B$1.8B$17.0M
Borrowings$19.0M$19.0M$34.0M$46.0M$231.0M$107.0M$126.0M$130.0M$114.0M$122.0M
Other Liabilities$378.0M$423.0M$585.0M$754.0M$1.1B$1.3B$1.6B$1.8B$1.8B$1.8B
Equity$0$0$0$0$0$0$0$0$0$0
Reserves$39.0M$40.0M$46.0M$81.0M$110.0M$125.0M$139.0M$155.0M$168.0M$184.0M

For CF Bankshares Inc., operating cash flow was positive in 7 of 10 reported years; free cash flow in the latest year was $18.0M; free cash flow was positive in 7 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$2.0M$4.0M$-12.0M$-104.0M$-123.0M$253.0M$40.0M$18.0M$14.0M$19.0M
Investing Cash Flow$-53.0M$-60.0M$-144.0M$-112.0M$-260.0M$-320.0M$-354.0M$-123.0M$-33.0M$-26.0M
Financing Cash Flow$85.0M$44.0M$162.0M$168.0M$366.0M$134.0M$280.0M$215.0M$11.0M$24.0M
Net Cash Flow$32.0M$-12.0M$22.0M$-21.0M$176.0M$-55.0M$-15.0M$110.0M$-26.0M$24.0M
Free Cash Flow$2.0M$4.0M$-12.0M$-104.0M$-124.0M$250.0M$39.0M$17.0M$14.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.58
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y37.85%
Return 3Y93.76%
Return 5Y83.07%

CF Bankshares Inc. (CFBK) financials — frequently asked questions

What is CF Bankshares Inc.'s annual revenue?

CF Bankshares Inc. (CFBK) reported annual revenue of $126.0M in its most recent fiscal year.

What is CF Bankshares Inc.'s net profit?

CF Bankshares Inc. (CFBK) reported net profit of $17.0M in its most recent fiscal year.

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