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CF Bankshares Inc.(CFBK)Earnings, Financials & Key Ratios
CFBK•NASDAQ•Banking & Credit
11.2× P/E·Price updated Jun 19, 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%
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 1.0x 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.
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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
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$0.77-4.9%
$0.81
Rev
$15M-9.7%
$16M
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.88+15.8%
$0.76
Rev
$16M-2.7%
$16M
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.36-57.1%
$0.84
Rev
$15M-4.0%
$16M
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$0.77+6.9%
$0.72
Rev
$15M-3.1%
$16M
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 FFIC | 524.18M | 15.47 | 28.65 | 11.06% | 3.86% | 2.67% | 0.84 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 OVBC | 226.65M | 48.11 | 14.53 | 5.93% | 16.56% | 9.58% | 0.32 |
Compare CFBK vs Peers
CF Bankshares Inc. (CFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CFBK Income Statement
CF Bankshares Inc. (CFBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
CFBK Balance Sheet
CF Bankshares Inc. (CFBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
CFBK Cash Flow Statement
CF Bankshares Inc. (CFBK) cash flow — operating, investing & free cash flow history
| Metric | 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% |
CFBK Banking Ratios
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% |
Related:CFBK Dividend History·CFBK Revenue History·CFBK Price History·CFBK P/E History·CFBK Financial Ratios·CFBK Institutional Holders
CFBK SEC Filings & Documents
CF Bankshares Inc. (CFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 1.03%. 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.