The bank maintains a stable capital position with an equity-to-assets ratio of 9% as of 2026Q1, providing a necessary buffer against its concentrated regional commercial real estate portfolio.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 |
|---|
| Cash & Short Term Investments | 1.11B | 276.47M | 244.06M | 269.79M | 162.33M | 183.04M | 230.4M | 54.15M | 77.52M | 57.37M | 72.1M | 35.26M | 39.15M | 30.81M | 45.52M | 81.94M | 34.27M | 2.97M | 4.18M | 3.89M | 5.4M | 2.97M | 32.67M | 10.72M | 20.08M | 11.39M | 9.93M | 4.9M | 26M |
| Cash & Due from Banks | 267.76M | 258.97M | 235.37M | 261.69M | 151.89M | 166.69M | 221.69M | 45.98M | 67.4M | 45.6M | 57.67M | 25.89M | 28.7M | 21.14M | 27.88M | 63.42M | 34.27M | 2.97M | 4.18M | 3.89M | 5.4M | 2.97M | 32.67M | 10.72M | 20.08M | 11.39M | 9.93M | 4.9M | 26M |
| Short Term Investments | 17.5M | 17.5M | 8.68M | 8.09M | 10.44M | 16.35M | 8.7M | 8.17M | 10.11M | 11.77M | 14.06M | 9.37M | 10.45M | 9.67M | 17.64M | 18.52M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 1.79B | 1.76B | 1.73B | 1.7B | 1.57B | 1.26B | 1.19B | 807.19M | 578.18M | 419.3M | 363M | 307.32M | 271.04M | 220.1M | 171.47M | 171.05M | 222.05M | 255.02M | 257.76M | 259.33M | 214.02M | 155.08M | 121.66M | 85.26M | 81.83M | 104.23M | 125.15M | 131.8M | 101.9M |
| Investments Growth % | 7.88% | 1.65% | 2.07% | 8.04% | 24.22% | 5.98% | 47.7% | 39.61% | 37.89% | 15.51% | 18.12% | 13.39% | 23.14% | 28.36% | 0.24% | -22.97% | -12.93% | -1.06% | -0.61% | 21.17% | 38.01% | 27.47% | 42.7% | 4.19% | -21.49% | -16.72% | -5.04% | 29.34% | - |
| Long-Term Investments | 7.01B | 1.74B | 1.72B | 1.69B | 1.56B | 1.25B | 1.18B | 799.01M | 568.07M | 407.53M | 348.94M | 297.95M | 260.59M | 210.43M | 153.83M | 152.54M | 222.05M | 255.02M | 257.76M | 259.33M | 214.02M | 155.08M | 121.66M | 85.26M | 81.83M | 104.23M | 125.15M | 131.8M | 101.9M |
| Accounts Receivables | 49.58M | 0 | 0 | 0 | 0 | 24.56M | 34.64M | 12.25M | 6.86M | 4.7M | 4.57M | 6.09M | 3.83M | 2.85M | 2.45M | 2.24M | 2.11M | 2.53M | 2.89M | 2.67M | 1.79M | 1.38M | 1.04M | 487K | 403K | 530K | 1.11M | 1M | 600K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49K | 89K | 186K | 257K | 112K | 2.67M | 1.79M | 0 | 2.26M | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.75M | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49K | 89K | 186K | 257K | 112K | 2.67M | 1.79M | 0 | 507K | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 9.39M | 9.23M | 9.62M | 9.03M | 5.13M | 7.79M | 5.12M | 5.77M | 3.86M | 3.53M | 3.43M | 3.61M | 3.77M | 3.55M | 5.32M | 5.53M | 6.02M | 7M | 5.25M | 5.72M | 4.11M | 2.93M | 2.69M | 1.93M | 833K | 849K | 1.09M | 1.2M | 2.1M |
| Other Assets | 34.15M | 107.37M | 82.2M | 78.81M | 72.94M | 33.06M | 23.34M | 9.35M | 8.72M | 8.29M | 7.08M | 8.38M | 8.24M | 8.11M | 7.87M | 8.59M | 10.59M | 5.96M | 6M | 7.81M | 8.46M | 8.41M | 9.01M | 8.62M | 7.42M | 3.94M | 3.65M | 3.6M | 2.8M |
| Total Current Assets | 338.46M | 259.07M | 251.74M | 283.28M | 183.1M | 207.6M | 265.03M | 66.41M | 84.38M | 62.07M | 76.67M | 41.36M | 42.98M | 33.66M | 47.96M | 84.17M | 36.38M | 5.5M | 7.07M | 6.57M | 7.2M | 6.6M | 35.6M | 11.2M | 20.49M | 11.92M | 11.03M | 5.9M | 26.6M |
| Total Non-Current Assets | 1.81B | 1.86B | 1.81B | 1.78B | 1.64B | 1.29B | 1.21B | 814.14M | 580.65M | 419.36M | 359.44M | 309.94M | 272.61M | 222.09M | 167.07M | 166.75M | 238.85M | 268.24M | 270.71M | 273.02M | 227.46M | 166.43M | 136.21M | 95.81M | 90.08M | 109.01M | 129.9M | 136.6M | 106.8M |
| Total Assets | 2.15B | 2.12B | 2.07B | 2.06B | 1.82B | 1.5B | 1.48B | 880.54M | 665.02M | 481.43M | 436.11M | 351.29M | 315.59M | 255.75M | 215.03M | 250.92M | 275.23M | 273.74M | 277.78M | 277.59M | 233.98M | 173.02M | 171M | 107.01M | 110.52M | 120.93M | 140.93M | 142.5M | 133.4M |
| Asset Growth % | 11.65% | 2.51% | 0.34% | 13.1% | 21.7% | 1.26% | 67.74% | 32.41% | 38.14% | 10.39% | 24.14% | 11.31% | 23.4% | 18.93% | -14.3% | -8.83% | 0.54% | -1.45% | 0.07% | 18.63% | 35.23% | 1.18% | 59.8% | -3.17% | -8.61% | -14.2% | -1.1% | 6.82% | - |
| Return on Assets (ROA) | 0.84% | 0.81% | 0.65% | 0.87% | 1.1% | 1.24% | 2.51% | 1.24% | 0.75% | 0.29% | 0.41% | 1.34% | 0.17% | -0.39% | -1.62% | -2.06% | -2.5% | -3.59% | 0.26% | -0.01% | -0.02% | -1.91% | -1.2% | -2.18% | 0.58% | 0.46% | 0.19% | - | 0.15% |
| Accounts Payable | 0 | 0 | 0 | 0 | 23.67M | 14.51M | 21.88M | 6.85M | 4.59M | 2.99M | 2.39M | 2.2M | 2.71M | 2.32M | 2.49M | 2.87M | 0 | 0 | 2.69M | 3.14M | 1.54M | 1.09M | 979K | 935K | 6.4M | 88K | 632K | 200K | 100K |
| Total Debt | 122.09M | 121.88M | 113.91M | 130.26M | 125.82M | 106.64M | 230.8M | 45.78M | 34.27M | 18.66M | 18.66M | 19.66M | 19.66M | 21.68M | 15.15M | 20.9M | 29.1M | 37.16M | 34.2M | 54.6M | 37.67M | 28.15M | 48.57M | 12.65M | 11.43M | 25.39M | 47.54M | 36.4M | 16M |
| Net Debt | -145.67M | -137.09M | -121.46M | -131.44M | -26.07M | -60.05M | 9.11M | -196K | -33.14M | -26.94M | -39.39M | -6.24M | -9.05M | 539K | -12.72M | -42.52M | -5.18M | 34.19M | 30.03M | 50.71M | 32.27M | 25.18M | 15.9M | 1.94M | -8.64M | 14.01M | 37.61M | 31.5M | -10M |
| Long-Term Debt | 15.05M | 100M | 107.68M | 124.96M | 124.38M | 104.61M | 229.27M | 43.82M | 34.27M | 18.66M | 18.66M | 19.66M | 19.66M | 21.68M | 15.15M | 20.9M | 29.1M | 35.1M | 28.36M | 54.6M | 37.67M | 5.16M | 19.67M | 12.65M | 11.43M | 19.27M | 7M | 36.4M | 16M |
| Short-Term Debt | 100.97M | 16.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.06M | 5.85M | 0 | 0 | 23M | 28.9M | 0 | 0 | 6.12M | 40.54M | 0 | 0 |
| Other Liabilities | 24M | 1.82B | 27.38M | 28.93M | 3.51M | 2.75M | 1.03M | 929K | 827K | 489K | 408K | 656K | 401K | 575K | 241K | 159K | 2.77M | 2.27M | 167K | 154K | 137K | 113K | 321K | 207K | 448K | 1.12M | 935K | 900K | 800K |
| Total Current Liabilities | 1.91B | 16.92M | 1.76B | 1.74B | 1.55B | 1.26B | 1.13B | 753.17M | 584.37M | 422.02M | 377.76M | 292.67M | 261.02M | 210.63M | 176M | 219.92M | 227.38M | 213.15M | 216.18M | 197.44M | 169.13M | 151.67M | 131.5M | 74.29M | 81.09M | 82.38M | 115.17M | 76M | 84.8M |
| Total Non-Current Liabilities | 45.11M | 1.92B | 141.29M | 159.18M | 129.33M | 109.39M | 231.83M | 46.71M | 35.09M | 19.14M | 19.06M | 20.31M | 20.06M | 22.26M | 15.4M | 20.9M | 31.86M | 37.36M | 28.52M | 54.6M | 37.67M | 5.27M | 20M | 12.86M | 11.88M | 20.39M | 7.93M | 37.3M | 16.8M |
| Total Liabilities | 1.96B | 1.93B | 1.9B | 1.9B | 1.68B | 1.37B | 1.37B | 799.88M | 619.47M | 441.16M | 396.82M | 312.98M | 281.08M | 232.88M | 191.39M | 240.98M | 259.24M | 250.51M | 244.71M | 250.21M | 204.9M | 156.94M | 151.5M | 87.16M | 92.94M | 102.77M | 123.1M | 113.3M | 101.6M |
| Total Equity | 188.96M | 184.43M | 168.44M | 155.37M | 139.25M | 125.33M | 110.21M | 80.66M | 45.56M | 40.26M | 39.29M | 38.31M | 34.51M | 22.86M | 23.64M | 9.94M | 15.99M | 23.23M | 33.08M | 27.38M | 29.09M | 16.08M | 19.51M | 19.86M | 17.58M | 18.16M | 17.83M | 29.2M | 31.8M |
| Equity Growth % | 39.16% | 9.49% | 8.41% | 11.58% | 11.11% | 13.72% | 36.63% | 77.05% | 13.16% | 2.47% | 2.56% | 11.02% | 50.93% | -3.29% | 137.76% | -37.81% | -31.16% | -29.77% | 20.8% | -5.87% | 80.87% | -17.56% | -1.76% | 12.93% | -3.18% | 1.83% | -38.93% | -8.18% | - |
| Equity / Assets (Capital Ratio) | 8.81% | 8.71% | 8.15% | 7.55% | 7.65% | 8.38% | 7.46% | 9.16% | 6.85% | 8.36% | 9.01% | 10.91% | 10.93% | 8.94% | 10.99% | 3.96% | 5.81% | 8.48% | 11.91% | 9.86% | 12.43% | 9.29% | 11.41% | 18.56% | 15.91% | 15.02% | 12.65% | 20.49% | 23.84% |
| Return on Equity (ROE) | 9.76% | 9.64% | 8.27% | 11.5% | 13.73% | 15.67% | 31.02% | 15.21% | 9.96% | 3.38% | 4.19% | 12.3% | 1.67% | -3.95% | -22.43% | -41.84% | -35.04% | -35.14% | 2.39% | -0.06% | -0.16% | -18.49% | -8.44% | -12.68% | 3.77% | 3.32% | 1.17% | - | 0.63% |
| Book Value per Share | 29.95 | 29.13 | 26.70 | 24.10 | 21.31 | 18.85 | 18.05 | 17.43 | 10.49 | 11.48 | 13.46 | 9.27 | 11.97 | 7.95 | 20.59 | 66.65 | 107.38 | 156.21 | 216.46 | 167.85 | 216.17 | 200.28 | 264.67 | 294.41 | 308.48 | 317.34 | 302.06 | 441.65 | 451.24 |
| Tangible BV per Share | 29.95 | 29.13 | 26.70 | 24.10 | 21.31 | 18.85 | 18.05 | 17.43 | 10.49 | 11.48 | 13.46 | 9.27 | 11.97 | 7.95 | 20.55 | 66.05 | 106.13 | 154.49 | 215.72 | 151.47 | 202.83 | 200.28 | 234.06 | 294.41 | 308.48 | 317.34 | 302.06 | 441.65 | 451.24 |
| Common Stock | 70K | 68K | 68K | 70K | 69K | 68K | 67K | 54K | 44K | 43K | 164K | 161K | 159K | 159K | 159K | 9K | 47K | 47K | 47K | 46K | 46K | 23K | 23K | 23K | 19K | 19K | 19K | 0 | 0 |
| Additional Paid-in Capital | 93.98M | 93.62M | 92.22M | 91.07M | 89.81M | 88.53M | 87.64M | 86.9M | 61.71M | 60.68M | 60.16M | 59.94M | 59.7M | 48.07M | 47.92M | 27.84M | 27.54M | 27.52M | 27.45M | 27.35M | 27.2M | 12.79M | 12.52M | 11.85M | 8.31M | 8.31M | 8.32M | 18.6M | 0 |
| Retained Earnings | 108.32M | 103.88M | 88.29M | 76.52M | 61.09M | 44.08M | 26.48M | -2.93M | -12.75M | -17.09M | -17.77M | -18.54M | -22.16M | -22.21M | -21.3M | -22.16M | -16.31M | -9.03M | 1.26M | 1.41M | 2.64M | 4.32M | 8.5M | 11M | 14.09M | 13.96M | 13.85M | 14M | 14.3M |
| Accumulated OCI | -1.49M | -1.37M | -1.8M | -2.29M | -2.04M | -170K | 96K | 28K | -73K | -47K | 2K | -9K | 51K | 98K | 107K | 386K | 672K | 704K | 350K | 187K | -25K | -261K | -290K | -156K | -1.56M | -1.91M | -2.2M | -2.1M | 0 |
| Treasury Stock | -11.93M | -11.77M | -10.34M | -9.99M | -9.69M | -7.18M | -4.07M | -3.39M | -3.37M | -3.32M | -3.27M | -3.25M | -3.25M | -3.25M | -3.25M | -3.25M | -3.25M | -3.25M | -3.25M | -1.61M | -783K | -783K | -1.24M | -2.85M | -3.27M | -2.23M | -2.15M | -1.3M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5K | 5K | 5K | 0 | 0 | 7.12M | 7.07M | 7.02M | 6.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Regional CRE concentration risk
As reported in recent financial statements, CFBK has maintained a stable asset base of approximately $2.1 billion over the last ten quarters, suggesting a disciplined approach to balance sheet management as the institution pivots toward its commercial-centric growth model within the Ohio market.
The consistency in total assets indicates that management is prioritizing the quality of its commercial loan book over aggressive, unmanaged balance sheet expansion. This stability appears to reflect a strategic choice to focus on organic growth within its core four-county footprint rather than pursuing rapid, potentially dilutive M&A activity.
Based on quarterly filings, CFBK has maintained an equity-to-assets ratio of approximately 8% to 9% since 2023Q4, which provides a solid capital cushion to absorb potential credit volatility while supporting the bank's ongoing transition toward a more specialized commercial lending franchise.
The bank's capital position appears adequate to support its current risk-weighted asset profile, particularly given the relatively low debt-to-equity ratio of 0.66%. Investors should monitor whether this capital buffer remains sufficient if the bank decides to increase its exposure to higher-risk commercial real estate segments in the future.
According to recent balance sheet data, CFBK holds a significant portion of its assets in cash and investment securities, with cash and equivalents totaling $267.8 million as of 2026Q1, ensuring the bank maintains ample liquidity to navigate regional economic fluctuations.
The high concentration of investment securities relative to the total asset base suggests a conservative liquidity management strategy that prioritizes capital preservation over aggressive yield chasing. This liquidity profile may provide the bank with necessary flexibility to manage deposit outflows or fund new commercial loan opportunities without immediate reliance on wholesale funding markets.
As indicated by the bank's geographic and sector-specific disclosures, the heavy concentration of commercial real estate loans within four Ohio counties represents a non-obvious risk that could lead to outsized asset quality deterioration during a localized economic downturn.
While the bank's current performance appears stable, the lack of geographic diversification leaves the balance sheet vulnerable to regional shocks that might not be captured by national economic indicators. This concentration warrants further investigation into the specific underwriting standards applied to the bank's commercial real estate portfolio, as a single sector or regional decline could disproportionately impact the bank's capital adequacy.
Quick answers to the most common questions about buying CFBK stock.
As of 2025, CF Bankshares Inc. (CFBK) had total assets of $2.12B including $259.1M in current assets.
CF Bankshares Inc. (CFBK) carries total debt of $121.9M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
CF Bankshares Inc. (CFBK) has total shareholders' equity (book value) of $184.4M ($29.13 book value per share). Book value represents the net worth of the company belonging to common stock holders.
CF Bankshares Inc. (CFBK) reported a current ratio of 15.31x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.