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CFBK logoCF Bankshares Inc.(CFBK)Earnings, Financials & Key Ratios

CFBK•NASDAQ•Banking & Credit
$26.75
$172M mkt cap·9.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutCF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is based in Worthington, Ohio.Show more
  • Net Interest Income$55M+19.7%
  • Total Revenue$126M+3.1%
  • Net Income$17M+27.0%
  • Return on Equity9.64%+16.5%
  • Net Interest Margin2.6%+16.8%
  • Efficiency Ratio24.75%+9.8%
  • ROA0.81%+25.2%
  • Equity / Assets8.71%+6.8%
  • Book Value per Share29.13+9.1%
  • Tangible BV/Share29.13+9.1%
  • Debt/Equity0.66-2.3%
Technical→

CFBK Key Insights

CF Bankshares Inc. (CFBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 24.7% efficiency ratio
  • ✓Trading at only 0.9x book value

✗Weaknesses

  • ✗Profits declining 10.5% over 5 years

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CFBK Price & Volume

CF Bankshares Inc. (CFBK) stock price & volume — 10-year historical chart

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CFBK Growth Metrics

CF Bankshares Inc. (CFBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years24.97%
5 Years4.29%
3 Years21.45%
TTM-

Profit CAGR

10 Years14.27%
5 Years-10.5%
3 Years-2.18%
TTM28.55%

EPS CAGR

10 Years9.35%
5 Years-9.66%
3 Years-1.09%
TTM30.58%

Return on Capital

10 Years7.57%
5 Years6.21%
3 Years4.72%
Last Year1.79%

CFBK Recent Earnings

CF Bankshares Inc. (CFBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
May 5, 2026
EPS
$0.77
Est $0.81
-4.9%
Revenue
$15M
Est $16M
-9.7%
Q1 2026
Feb 5, 2026
EPS
$0.88
Est $0.76
+15.8%
Revenue
$16M
Est $16M
-2.7%
Q4 2025
Nov 3, 2025
EPS
$0.36
Est $0.84
-57.1%
Revenue
$15M
Est $16M
-4.0%
Q3 2025
Aug 4, 2025
EPS
$0.77
Est $0.72
+6.9%
Revenue
$15M
Est $16M
-3.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.77vs $0.81-4.9%
$15Mvs $16M-9.7%
Q1 2026Feb 5, 2026
$0.88vs $0.76+15.8%
$16Mvs $16M-2.7%
Q4 2025Nov 3, 2025
$0.36vs $0.84-57.1%
$15Mvs $16M-4.0%
Q3 2025Aug 4, 2025
$0.77vs $0.72+6.9%
$15Mvs $16M-3.1%
Based on last 12 quarters of dataView full earnings history →

CFBK Peer Comparison

CF Bankshares Inc. (CFBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
NECB logoNECBNortheast Community Bancorp, Inc.Direct Competitor337.14M24.377.50-1.55%13.07%0.21
HONE logoHONEHarborOne Bancorp, Inc.Direct Competitor522.22M12.1018.3310.7%4.56%0.90
FFIC logoFFICFlushing Financial CorporationProduct Competitor547.9M16.1729.9411.06%2.67%0.84
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.36B45.2013.5710.36%9.51%0.17
CHMG logoCHMGChemung Financial CorporationProduct Competitor322.44M67.0521.42-6.46%6.27%0.02
FXNC logoFXNCFirst National CorporationProduct Competitor248.63M27.5014.0327.11%9.98%0.23
OVBC logoOVBCOhio Valley Banc Corp.Product Competitor211.29M44.8513.555.93%9.58%0.32

Compare CFBK vs Peers

CF Bankshares Inc. (CFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for CFBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CFBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NECB, HONE, FFIC

CFBK Income Statement

CF Bankshares Inc. (CFBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income13.52M17.69M21.49M27.61M41.8M48.44M47.05M45.97M55.02M
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 Income17.05M24.69M34.9M42.19M52.11M67.42M107.69M117.71M120M
Interest Expense3.53M7M13.4M14.58M10.31M18.97M60.64M71.75M64.97M
Loan Loss Provision00010.91M-1.6M787K2.32M6.74M8.25M
Non-Interest Income727K2.8M11.7M59.89M11.52M2.86M4M4.45M5.91M
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 Expense10.79M15.16M21.15M40.3M32.11M27.93M27.75M27.54M31.16M
Efficiency Ratio60.66%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 Tax2.12M1.06M2.44M6.67M4.37M4.43M4.05M2.76M3.99M
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)1.35M4.27M9.6M29.61M18.45M18.16M16.94M13.39M17.54M
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)0.221.022.054.532.842.842.642.082.70
Diluted Shares Outstanding3.51M4.34M4.63M6.11M6.65M6.54M6.45M6.31M6.33M

CFBK Balance Sheet

CF Bankshares Inc. (CFBK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments57.37M77.52M54.15M230.4M183.04M162.33M269.79M244.06M276.47M
Cash & Due from Banks45.6M67.4M45.98M221.69M166.69M151.89M261.69M235.37M258.97M
Short Term Investments11.77M10.11M8.17M8.7M16.35M10.44M8.09M8.68M17.5M
Total Investments419.3M578.18M807.19M1.19B1.26B1.57B1.7B1.73B1.76B
Investments Growth %15.51%37.89%39.61%47.7%5.98%24.22%8.04%2.07%1.65%
Long-Term Investments407.53M568.07M799.01M1.18B1.25B1.56B1.69B1.72B1.74B
Accounts Receivables4.7M6.86M12.25M34.64M24.56M0000
Goodwill & Intangibles000000000
Goodwill000000000
Intangible Assets000000000
PP&E (Net)3.53M3.86M5.77M5.12M7.79M5.13M9.03M9.62M9.23M
Other Assets8.29M8.72M9.35M23.34M33.06M72.94M78.81M82.2M107.37M
Total Current Assets62.07M84.38M66.41M265.03M207.6M183.1M283.28M251.74M259.07M
Total Non-Current Assets419.36M580.65M814.14M1.21B1.29B1.64B1.78B1.81B1.86B
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 Payable2.99M4.59M6.85M21.88M14.51M23.67M000
Total Debt18.66M34.27M45.78M230.8M106.64M125.82M130.26M113.91M121.88M
Net Debt-26.94M-33.14M-196K9.11M-60.05M-26.07M-131.44M-121.46M-137.09M
Long-Term Debt18.66M34.27M43.82M229.27M104.61M124.38M124.96M107.68M100M
Short-Term Debt0000000016.92M
Other Liabilities489K827K929K1.03M2.75M3.51M28.93M27.38M1.82B
Total Current Liabilities422.02M584.37M753.17M1.13B1.26B1.55B1.74B1.76B16.92M
Total Non-Current Liabilities19.14M35.09M46.71M231.83M109.39M129.33M159.18M141.29M1.92B
Total Liabilities441.16M619.47M799.88M1.37B1.37B1.68B1.9B1.9B1.93B
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 Share11.4810.4917.4318.0518.8521.3124.1026.7029.13
Tangible BV per Share11.4810.4917.4318.0518.8521.3124.1026.7029.13
Common Stock43K44K54K67K68K69K70K68K68K
Additional Paid-in Capital60.68M61.71M86.9M87.64M88.53M89.81M91.07M92.22M93.62M
Retained Earnings-17.09M-12.75M-2.93M26.48M44.08M61.09M76.52M88.29M103.88M
Accumulated OCI-47K-73K28K96K-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 Stock000000000

CFBK Cash Flow Statement

CF Bankshares Inc. (CFBK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations3.95M-11.81M-103.54M-123.47M253.3M39.76M18.05M14.19M18.69M
Operating CF Growth %120.48%-398.91%-776.7%-19.25%305.16%-84.3%-54.6%-21.39%31.71%
Net Income1.35M4.27M9.6M29.61M18.45M18.16M16.94M13.39M17.54M
Depreciation & Amortization208K248K316K381K435K496K567K486K0
Deferred Taxes982K85K-187K-3.04M773K215K456K-365K0
Other Non-Cash Items1.47M-16.41M-111.72M-147.17M230.23M25.43M-594K3.55M4.07M
Working Capital Changes-299K-385K-2.08M-3.95M2.71M-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-14.57M0-1.2M-2.15M0
Sale/Maturity of Investments2.69M3.35M3.67M5.68M5.79M3.52M2.01M2.21M0
Net Investment Activity898K1.12M911K-7.71M-8.78M3.52M813K56K0
Acquisitions000000000
Other Investing-59.96M-144.28M-111.87M-251.66M-304.98M-355.93M-122M-32.78M-25.04M
Cash from Financing42.98M177.38M193.51M558.93M8.42M298.75M213.61M-7.52M30.05M
Dividends Paid-750K00-195K-848K-1.15M-1.48M-1.61M-1.95M
Share Repurchases-49K-42K-23K-680K-3.11M-2.51M-299K-352K-1.28M
Stock Issued009.64M000000
Net Stock Activity-49K-42K9.62M-680K-3.11M-2.51M-299K-352K-1.28M
Debt Issuance (Net)01000K1000K1000K-1000K1000K500K-1000K1000K
Other Financing43.78M161.81M167.9M366.88M137.08M282.72M214.88M11.8M25.03M
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 Effect000000000
Cash at Beginning57.94M45.5M67.3M45.88M221.59M166.59M151.79M261.6M235.27M
Cash at End45.5M67.3M45.88M221.59M166.59M151.79M261.6M235.27M258.97M
Interest Paid3.53M6.84M13.43M14.3M10.58M18.36M58.8M72.17M64.72M
Income Taxes Paid1.23M968K2.51M10.3M3.85M2.45M3.98M664K2.69M
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%

CFBK Banking Ratios

CF Bankshares Inc. (CFBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin2.58%2.81%2.66%2.44%1.87%2.8%2.66%2.29%2.23%2.6%
Efficiency Ratio62.69%60.66%55.15%45.39%39.48%50.46%39.74%24.85%22.54%24.75%
Equity / Assets9.01%8.36%6.85%9.16%7.46%8.38%7.65%7.55%8.15%8.71%
Book Value / Share13.4611.4810.4917.4318.0518.8521.3124.126.729.13
NII Growth15.6%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%

CFBK SEC Filings & Documents

CF Bankshares Inc. (CFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Apr 24, 2026·SEC

Material company update

Mar 26, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

CFBK Frequently Asked Questions

CF Bankshares Inc. (CFBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More CFBK

CF Bankshares Inc. (CFBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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