8-K Announcements
6May 5, 2026·SEC
Apr 24, 2026·SEC
Mar 26, 2026·SEC
CF Bankshares Inc. (CFBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CF Bankshares Inc. (CFBK) stock price & volume — 10-year historical chart
CF Bankshares Inc. (CFBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
CF Bankshares Inc. (CFBK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.77vs $0.81-4.9% | $15Mvs $16M-9.7% |
| Q1 2026 | Feb 5, 2026 | $0.88vs $0.76+15.8% | $16Mvs $16M-2.7% |
| Q4 2025 | Nov 3, 2025 | $0.36vs $0.84-57.1% | $15Mvs $16M-4.0% |
| Q3 2025 | Aug 4, 2025 | $0.77vs $0.72+6.9% | $15Mvs $16M-3.1% |
CF Bankshares Inc. (CFBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
CF Bankshares Inc. (CFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CF Bankshares Inc. (CFBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 13.52M | 17.69M | 21.49M | 27.61M | 41.8M | 48.44M | 47.05M | 45.97M | 55.02M |
| NII Growth % | 20.33% | 30.88% | 21.48% | 28.46% | 51.42% | 15.88% | -2.88% | -2.29% | 19.7% |
| Net Interest Margin % | 2.81% | 2.66% | 2.44% | 1.87% | 2.8% | 2.66% | 2.29% | 2.23% | 2.6% |
| Interest Income | 17.05M | 24.69M | 34.9M | 42.19M | 52.11M | 67.42M | 107.69M | 117.71M | 120M |
| Interest Expense | 3.53M | 7M | 13.4M | 14.58M | 10.31M | 18.97M | 60.64M | 71.75M | 64.97M |
| Loan Loss Provision | 0 | 0 | 0 | 10.91M | -1.6M | 787K | 2.32M | 6.74M | 8.25M |
| Non-Interest Income | 727K | 2.8M | 11.7M | 59.89M | 11.52M | 2.86M | 4M | 4.45M | 5.91M |
| Non-Interest Income % | 4.09% | 10.17% | 25.1% | 58.67% | 18.11% | 4.08% | 3.58% | 3.64% | 4.69% |
| Total Revenue | 17.78M▲ 0% | 27.49M▲ 54.6% | 46.59M▲ 69.5% | 102.08M▲ 119.1% | 63.64M▼ 37.7% | 70.28M▲ 10.4% | 111.69M▲ 58.9% | 122.16M▲ 9.4% | 125.9M▲ 3.1% |
| Revenue Growth % | 15.12% | 54.59% | 69.51% | 119.08% | -37.66% | 10.44% | 58.92% | 9.38% | 3.06% |
| Non-Interest Expense | 10.79M | 15.16M | 21.15M | 40.3M | 32.11M | 27.93M | 27.75M | 27.54M | 31.16M |
| Efficiency Ratio | 60.66% | 55.15% | 45.39% | 39.48% | 50.46% | 39.74% | 24.85% | 22.54% | 24.75% |
| Operating Income | 3.46M▲ 0% | 5.33M▲ 54.0% | 12.04M▲ 125.9% | 36.28M▲ 201.3% | 22.82M▼ 37.1% | 22.59M▼ 1.0% | 20.98M▼ 7.1% | 16.14M▼ 23.1% | 21.53M▲ 33.3% |
| Operating Margin % | 19.47% | 19.39% | 25.84% | 35.55% | 35.86% | 32.15% | 18.79% | 13.22% | 17.1% |
| Operating Income Growth % | 42.02% | 54% | 125.91% | 201.33% | -37.11% | -0.99% | -7.11% | -23.07% | 33.34% |
| Pretax Income | 3.46M▲ 0% | 5.33M▲ 54.0% | 12.04M▲ 125.9% | 36.28M▲ 201.3% | 22.82M▼ 37.1% | 22.59M▼ 1.0% | 20.98M▼ 7.1% | 16.14M▼ 23.1% | 21.53M▲ 33.3% |
| Pretax Margin % | 19.47% | 19.39% | 25.84% | 35.55% | 35.86% | 32.15% | 18.79% | 13.22% | 17.1% |
| Income Tax | 2.12M | 1.06M | 2.44M | 6.67M | 4.37M | 4.43M | 4.05M | 2.76M | 3.99M |
| Effective Tax Rate % | 61.11% | 19.83% | 20.26% | 18.4% | 19.13% | 19.6% | 19.29% | 17.08% | 18.52% |
| Net Income | 1.35M▲ 0% | 4.27M▲ 217.5% | 9.6M▲ 124.7% | 29.61M▲ 208.4% | 18.45M▼ 37.7% | 18.16M▼ 1.6% | 16.94M▼ 6.8% | 13.39M▼ 21.0% | 17M▲ 27.0% |
| Net Margin % | 7.57% | 15.55% | 20.61% | 29.01% | 29% | 25.85% | 15.16% | 10.96% | 13.5% |
| Net Income Growth % | -17.27% | 217.46% | 124.69% | 208.38% | -37.68% | -1.57% | -6.76% | -20.96% | 27% |
| Net Income (Continuing) | 1.35M | 4.27M | 9.6M | 29.61M | 18.45M | 18.16M | 16.94M | 13.39M | 17.54M |
| EPS (Diluted) | 0.22▲ 0% | 1.00▲ 354.5% | 2.03▲ 103.0% | 4.47▲ 120.2% | 2.77▼ 38.0% | 2.78▲ 0.4% | 2.63▼ 5.4% | 2.06▼ 21.7% | 2.69▲ 30.6% |
| EPS Growth % | -21.43% | 354.55% | 103% | 120.2% | -38.03% | 0.36% | -5.4% | -21.67% | 30.58% |
| EPS (Basic) | 0.22 | 1.02 | 2.05 | 4.53 | 2.84 | 2.84 | 2.64 | 2.08 | 2.70 |
| Diluted Shares Outstanding | 3.51M | 4.34M | 4.63M | 6.11M | 6.65M | 6.54M | 6.45M | 6.31M | 6.33M |
CF Bankshares Inc. (CFBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 57.37M | 77.52M | 54.15M | 230.4M | 183.04M | 162.33M | 269.79M | 244.06M | 276.47M |
| Cash & Due from Banks | 45.6M | 67.4M | 45.98M | 221.69M | 166.69M | 151.89M | 261.69M | 235.37M | 258.97M |
| Short Term Investments | 11.77M | 10.11M | 8.17M | 8.7M | 16.35M | 10.44M | 8.09M | 8.68M | 17.5M |
| Total Investments | 419.3M | 578.18M | 807.19M | 1.19B | 1.26B | 1.57B | 1.7B | 1.73B | 1.76B |
| Investments Growth % | 15.51% | 37.89% | 39.61% | 47.7% | 5.98% | 24.22% | 8.04% | 2.07% | 1.65% |
| Long-Term Investments | 407.53M | 568.07M | 799.01M | 1.18B | 1.25B | 1.56B | 1.69B | 1.72B | 1.74B |
| Accounts Receivables | 4.7M | 6.86M | 12.25M | 34.64M | 24.56M | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 3.53M | 3.86M | 5.77M | 5.12M | 7.79M | 5.13M | 9.03M | 9.62M | 9.23M |
| Other Assets | 8.29M | 8.72M | 9.35M | 23.34M | 33.06M | 72.94M | 78.81M | 82.2M | 107.37M |
| Total Current Assets | 62.07M | 84.38M | 66.41M | 265.03M | 207.6M | 183.1M | 283.28M | 251.74M | 259.07M |
| Total Non-Current Assets | 419.36M | 580.65M | 814.14M | 1.21B | 1.29B | 1.64B | 1.78B | 1.81B | 1.86B |
| Total Assets | 481.43M▲ 0% | 665.02M▲ 38.1% | 880.54M▲ 32.4% | 1.48B▲ 67.7% | 1.5B▲ 1.3% | 1.82B▲ 21.7% | 2.06B▲ 13.1% | 2.07B▲ 0.3% | 2.12B▲ 2.5% |
| Asset Growth % | 10.39% | 38.14% | 32.41% | 67.74% | 1.26% | 21.7% | 13.1% | 0.34% | 2.51% |
| Return on Assets (ROA) | 0.29% | 0.75% | 1.24% | 2.51% | 1.24% | 1.1% | 0.87% | 0.65% | 0.81% |
| Accounts Payable | 2.99M | 4.59M | 6.85M | 21.88M | 14.51M | 23.67M | 0 | 0 | 0 |
| Total Debt | 18.66M | 34.27M | 45.78M | 230.8M | 106.64M | 125.82M | 130.26M | 113.91M | 121.88M |
| Net Debt | -26.94M | -33.14M | -196K | 9.11M | -60.05M | -26.07M | -131.44M | -121.46M | -137.09M |
| Long-Term Debt | 18.66M | 34.27M | 43.82M | 229.27M | 104.61M | 124.38M | 124.96M | 107.68M | 100M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.92M |
| Other Liabilities | 489K | 827K | 929K | 1.03M | 2.75M | 3.51M | 28.93M | 27.38M | 1.82B |
| Total Current Liabilities | 422.02M | 584.37M | 753.17M | 1.13B | 1.26B | 1.55B | 1.74B | 1.76B | 16.92M |
| Total Non-Current Liabilities | 19.14M | 35.09M | 46.71M | 231.83M | 109.39M | 129.33M | 159.18M | 141.29M | 1.92B |
| Total Liabilities | 441.16M | 619.47M | 799.88M | 1.37B | 1.37B | 1.68B | 1.9B | 1.9B | 1.93B |
| Total Equity | 40.26M▲ 0% | 45.56M▲ 13.2% | 80.66M▲ 77.1% | 110.21M▲ 36.6% | 125.33M▲ 13.7% | 139.25M▲ 11.1% | 155.37M▲ 11.6% | 168.44M▲ 8.4% | 184.43M▲ 9.5% |
| Equity Growth % | 2.47% | 13.16% | 77.05% | 36.63% | 13.72% | 11.11% | 11.58% | 8.41% | 9.49% |
| Equity / Assets (Capital Ratio) | 8.36% | 6.85% | 9.16% | 7.46% | 8.38% | 7.65% | 7.55% | 8.15% | 8.71% |
| Return on Equity (ROE) | 3.38% | 9.96% | 15.21% | 31.02% | 15.67% | 13.73% | 11.5% | 8.27% | 9.64% |
| Book Value per Share | 11.48 | 10.49 | 17.43 | 18.05 | 18.85 | 21.31 | 24.10 | 26.70 | 29.13 |
| Tangible BV per Share | 11.48 | 10.49 | 17.43 | 18.05 | 18.85 | 21.31 | 24.10 | 26.70 | 29.13 |
| Common Stock | 43K | 44K | 54K | 67K | 68K | 69K | 70K | 68K | 68K |
| Additional Paid-in Capital | 60.68M | 61.71M | 86.9M | 87.64M | 88.53M | 89.81M | 91.07M | 92.22M | 93.62M |
| Retained Earnings | -17.09M | -12.75M | -2.93M | 26.48M | 44.08M | 61.09M | 76.52M | 88.29M | 103.88M |
| Accumulated OCI | -47K | -73K | 28K | 96K | -170K | -2.04M | -2.29M | -1.8M | -1.37M |
| Treasury Stock | -3.32M | -3.37M | -3.39M | -4.07M | -7.18M | -9.69M | -9.99M | -10.34M | -11.77M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CF Bankshares Inc. (CFBK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.95M | -11.81M | -103.54M | -123.47M | 253.3M | 39.76M | 18.05M | 14.19M | 18.69M |
| Operating CF Growth % | 120.48% | -398.91% | -776.7% | -19.25% | 305.16% | -84.3% | -54.6% | -21.39% | 31.71% |
| Net Income | 1.35M | 4.27M | 9.6M | 29.61M | 18.45M | 18.16M | 16.94M | 13.39M | 17.54M |
| Depreciation & Amortization | 208K | 248K | 316K | 381K | 435K | 496K | 567K | 486K | 0 |
| Deferred Taxes | 982K | 85K | -187K | -3.04M | 773K | 215K | 456K | -365K | 0 |
| Other Non-Cash Items | 1.47M | -16.41M | -111.72M | -147.17M | 230.23M | 25.43M | -594K | 3.55M | 4.07M |
| Working Capital Changes | -299K | -385K | -2.08M | -3.95M | 2.71M | -5.44M | -487K | -4.02M | -2.92M |
| Cash from Investing | -59.38M | -143.77M | -111.4M | -259.75M | -316.73M | -353.32M | -121.85M | -32.99M | -25.04M |
| Purchase of Investments | -1.79M | -2.22M | -2.76M | -13.39M | -14.57M | 0 | -1.2M | -2.15M | 0 |
| Sale/Maturity of Investments | 2.69M | 3.35M | 3.67M | 5.68M | 5.79M | 3.52M | 2.01M | 2.21M | 0 |
| Net Investment Activity | 898K | 1.12M | 911K | -7.71M | -8.78M | 3.52M | 813K | 56K | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -59.96M | -144.28M | -111.87M | -251.66M | -304.98M | -355.93M | -122M | -32.78M | -25.04M |
| Cash from Financing | 42.98M | 177.38M | 193.51M | 558.93M | 8.42M | 298.75M | 213.61M | -7.52M | 30.05M |
| Dividends Paid | -750K | 0 | 0 | -195K | -848K | -1.15M | -1.48M | -1.61M | -1.95M |
| Share Repurchases | -49K | -42K | -23K | -680K | -3.11M | -2.51M | -299K | -352K | -1.28M |
| Stock Issued | 0 | 0 | 9.64M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -49K | -42K | 9.62M | -680K | -3.11M | -2.51M | -299K | -352K | -1.28M |
| Debt Issuance (Net) | 0 | 1000K | 1000K | 1000K | -1000K | 1000K | 500K | -1000K | 1000K |
| Other Financing | 43.78M | 161.81M | 167.9M | 366.88M | 137.08M | 282.72M | 214.88M | 11.8M | 25.03M |
| Net Change in Cash | -12.44M▲ 0% | 21.81M▲ 275.2% | -21.43M▼ 198.3% | 175.72M▲ 920.1% | -55M▼ 131.3% | -14.8M▲ 73.1% | 109.81M▲ 841.7% | -26.32M▼ 124.0% | 23.7M▲ 190.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 57.94M | 45.5M | 67.3M | 45.88M | 221.59M | 166.59M | 151.79M | 261.6M | 235.27M |
| Cash at End | 45.5M | 67.3M | 45.88M | 221.59M | 166.59M | 151.79M | 261.6M | 235.27M | 258.97M |
| Interest Paid | 3.53M | 6.84M | 13.43M | 14.3M | 10.58M | 18.36M | 58.8M | 72.17M | 64.72M |
| Income Taxes Paid | 1.23M | 968K | 2.51M | 10.3M | 3.85M | 2.45M | 3.98M | 664K | 2.69M |
| Free Cash Flow | 3.64M▲ 0% | -12.42M▼ 441.4% | -103.98M▼ 737.1% | -123.85M▼ 19.1% | 250.34M▲ 302.1% | 38.86M▼ 84.5% | 17.39M▼ 55.2% | 13.92M▼ 19.9% | 18.2M▲ 30.7% |
| FCF Growth % | 108.54% | -441.36% | -737.07% | -19.11% | 302.13% | -84.48% | -55.25% | -19.94% | 30.73% |
CF Bankshares Inc. (CFBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.19% | 3.38% | 9.96% | 15.21% | 31.02% | 15.67% | 13.73% | 11.5% | 8.27% | 9.64% |
| Return on Assets (ROA) | 0.41% | 0.29% | 0.75% | 1.24% | 2.51% | 1.24% | 1.1% | 0.87% | 0.65% | 0.81% |
| Net Interest Margin | 2.58% | 2.81% | 2.66% | 2.44% | 1.87% | 2.8% | 2.66% | 2.29% | 2.23% | 2.6% |
| Efficiency Ratio | 62.69% | 60.66% | 55.15% | 45.39% | 39.48% | 50.46% | 39.74% | 24.85% | 22.54% | 24.75% |
| Equity / Assets | 9.01% | 8.36% | 6.85% | 9.16% | 7.46% | 8.38% | 7.65% | 7.55% | 8.15% | 8.71% |
| Book Value / Share | 13.46 | 11.48 | 10.49 | 17.43 | 18.05 | 18.85 | 21.31 | 24.1 | 26.7 | 29.13 |
| NII Growth | 15.6% | 20.33% | 30.88% | 21.48% | 28.46% | 51.42% | 15.88% | -2.88% | -2.29% | 19.7% |
| Dividend Payout | - | - | - | - | 0.66% | 4.6% | 6.35% | 8.71% | 12.06% | 11.46% |
CF Bankshares Inc. (CFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Apr 24, 2026·SEC
Mar 26, 2026·SEC
CF Bankshares Inc. (CFBK) stock FAQ — growth, dividends, profitability & financials explained
CF Bankshares Inc. (CFBK) grew revenue by 3.1% over the past year. Growth has been modest.
Yes, CF Bankshares Inc. (CFBK) is profitable, generating $17.2M in net income for fiscal year 2025 (13.5% net margin).
Yes, CF Bankshares Inc. (CFBK) pays a dividend with a yield of 1.15%. This makes it attractive for income-focused investors.
CF Bankshares Inc. (CFBK) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.
CF Bankshares Inc. (CFBK) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
CF Bankshares Inc. (CFBK) has an efficiency ratio of 24.7%. This is excellent, indicating strong cost control.
CF Bankshares Inc. (CFBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates