CF Bankshares Inc. (CFBK) Earnings History
Turnaround28 years of earnings data (1998–2025) · Recovering earnings after a multi-year decline
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CF Bankshares Inc. (CFBK) Earnings Overview
As of June 28, 2026, CF Bankshares Inc. (CFBK) reported trailing twelve-month net income of $18M, reflecting +30.6% year-over-year growth. The company earned $2.82 per diluted share over the past four quarters, with a net profit margin of 13.5%.
Looking at the long-term picture, CFBK's 5-year EPS compound annual growth rate (CAGR) stands at -9.7%, signaling declining earnings. The company achieved its highest annual net income of $30M in fiscal 2020.
CF Bankshares Inc. maintains positive profitability with a gross margin of 41.8%, operating margin of 17.1%, and net margin of 13.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), HONE ($26M net income, 8.7% margin), CFBK has room to improve margins relative to the peer group. Compare CFBK vs CZWI →
CFBK Earnings vs Peers
Earnings metrics vs comparable public companies
CFBK Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $17M | +27.0% | $22M | $2.69 | 13.5% | 17.1% |
| 2024 | $13M | -21.0% | $16M | $2.06 | 11.0% | 13.2% |
| 2023 | $17M | -6.8% | $21M | $2.63 | 15.2% | 18.8% |
| 2022 | $18M | -1.6% | $23M | $2.78 | 25.8% | 32.1% |
| 2021 | $18M | -37.7% | $23M | $2.77 | 29.0% | 35.9% |
| 2020 | $30M | +208.4% | $36M | $4.47 | 29.0% | 35.5% |
| 2019 | $10M | +124.7% | $12M | $2.03 | 20.6% | 25.8% |
| 2018 | $4M | +217.5% | $5M | $1.00 | 15.5% | 19.4% |
| 2017 | $1M | -17.3% | $3M | $0.22 | 7.6% | 19.5% |
| 2016 | $2M | -63.7% | $2M | $0.28 | 10.5% | 15.8% |
| 2015 | $4M | +834.7% | $1M | $1.10 | 33.1% | 9.5% |
| 2014 | $479,000 | +152.2% | $479,000 | $0.02 | 4.0% | 4.0% |
| 2013 | $-918,000 | +75.6% | $-918,000 | $-0.33 | -11.2% | -11.2% |
| 2012 | -$4M | +30.6% | -$4M | $0.77 | -46.3% | -46.3% |
| 2011 | -$5M | +21.0% | -$5M | $-39.00 | -50.7% | -50.7% |
| 2010 | -$7M | +30.5% | -$7M | $-48.68 | -47.9% | -46.6% |
| 2009 | -$10M | -1468.0% | -$8M | $-69.03 | -63.3% | -53.2% |
| 2008 | $723,000 | +4352.9% | $984,000 | $4.40 | 4.1% | 5.6% |
| 2007 | $-17,000 | +54.1% | $-80,000 | $-0.10 | -0.1% | -0.4% |
| 2006 | $-37,000 | +98.9% | $-81,000 | $-0.28 | -0.4% | -0.9% |
| 2005 | -$3M | -98.0% | -$4M | $-40.98 | -34.4% | -38.4% |
| 2004 | -$2M | +30.0% | -$3M | $-22.55 | -24.9% | -37.9% |
| 2003 | -$2M | -452.2% | -$3M | $-36.03 | -37.3% | -52.8% |
| 2002 | $674,000 | +12.7% | $987,000 | $11.83 | 8.8% | 12.8% |
| 2001 | $598,000 | +116.7% | $910,000 | $10.45 | 6.1% | 9.3% |
| 2000 | $276,000 | - | $426,000 | $4.68 | 2.7% | 4.2% |
| 1999 | $0 | -100.0% | $0 | $-0.55 | 0.0% | 0.0% |
| 1998 | $200,000 | - | $300,000 | $2.84 | 2.2% | 3.3% |
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CFBK — Frequently Asked Questions
Quick answers to the most common questions about buying CFBK stock.
What is CFBK earnings per share (EPS)?
CFBK trailing twelve-month (TTM) diluted EPS is $2.82, reflecting +30.6% year-over-year growth. The 5-year EPS CAGR is -9.7%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is CF Bankshares Inc.'s net income?
CF Bankshares Inc. (CFBK) trailing twelve-month net income is $18M as of 2025. Earnings grew +30.6% year-over-year. CF Bankshares Inc. has been profitable for 12 consecutive years.
Is CFBK profitable?
Yes, CFBK is profitable with a TTM net income of $18M and a net profit margin of +13.5%. CF Bankshares Inc. has generated profits for 12 consecutive years.
What is CFBK's earnings growth rate?
CFBK compound annual EPS growth rates (CAGR): 1-Year: +30.6%, 3-Year: -1.1%, 5-Year: -9.7%, 10-Year: +9.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are CFBK's profit margins?
CF Bankshares Inc. net profit margin is +13.5%, operating margin is +17.1%, and gross margin is +41.8%. Margins are within a typical range for the sector. Return on Equity is +9.6%.
Is CFBK growing earnings?
Yes, CFBK earnings are accelerating — EPS growth of +30.6% exceeds the 5-year CAGR of -9.7%. TTM net income reached $18M. Earnings momentum is strengthening.
What was CFBK's best earnings year?
CF Bankshares Inc.'s highest annual net income on record is $30M, achieved in fiscal year 2020. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were CFBK's earnings last quarter?
CFBK's most recent reported quarter was Q1 2026. Net income was $5M with diluted EPS of $0.77. For a full breakdown of all quarters, see the quarterly earnings table on this page.