CF Bankshares Inc. (CFBK) Earnings History
Annual and quarterly earnings data from 1998 to 2025
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CFBK EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CFBK Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 41.8% | 17.1% | 13.5% |
| 2024 | 35.8% | 13.2% | 11.0% |
| 2023 | 43.6% | 18.8% | 15.2% |
| 2022 | 71.9% | 32.1% | 25.8% |
| 2021 | 86.3% | 35.9% | 29.0% |
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CF Bankshares Inc. (CFBK) Earnings Overview
As of May 8, 2026, CF Bankshares Inc. (CFBK) reported trailing twelve-month net income of $17M, reflecting +30.6% year-over-year growth. The company earned $2.71 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 ($14M 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% |
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Start ComparisonCFBK — Frequently Asked Questions
Quick answers to the most common questions about buying CFBK stock.
Is CFBK growing earnings?
CFBK EPS is $2.71, with earnings growth accelerating to +30.6%. This exceeds the 5-year CAGR of -9.7%. TTM net income reached $17M.
What are CFBK's profit margins?
CF Bankshares Inc. net margin is +13.5%, with operating margin at +17.1%. Margins sit within typical range for the sector.
How consistent are CFBK's earnings?
CFBK earnings data spans 1998-2025. The accelerating earnings trend is +30.6% YoY. Historical data enables comparison across business cycles.