CF BANKSHARES INC. CFBK

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

CF Bankshares Inc. ("Holding Company") was organized as a Delaware corporation in September 1998 as the holding company for CFBank, in connection with CFBank's conversion from a mutual to stock form of organization. CFBank was originally organized in 1892 and was formerly known as Central Federal Savings and Loan Association of Wellsville and more recently as Central Federal Bank. On December 1, 2016, CFBank converted from a federal savings institution to a national bank. Effective as of December 1, 2016 and in conjunction with the conversion of CFBank to a national bank, the Holding Company became a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal Reserve System (the "FRB"). Effective as of July 27, 2020, the Holding Company changed its name from Central Federal Corporation to CF Bankshares Inc. As used herein, the terms "we," "us," "our" and the "Company" refer to CF Bankshares Inc. and CFBank, unless the context indicates to the contrary.

Last close 34.48 2026-10-23
Market cap $217.9M estimated share count
52-week range 22.10 - 38.11

Valuation FY2025 figures against the last close

P/S1.8x
P/E12.8x
P/FCF12.0x
EV/EBITDA—
Dividend yield0.9%
Diluted EPS2.69

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $120.0M$118.4M$108.3M$67.8M$52.3M$42.4M$35.1M$24.9M$17.2M$14.4M
Interest expense $55.0M$46.6M$47.6M$48.8M$10.3M$14.6M$13.4M$7.0M$3.5M$3.1M
Pre-tax income $21.5M$16.1M$21.0M$22.6M$22.8M$36.3M$12.0M$5.3M$3.5M$2.4M
Income tax $4.0M$2.8M$4.0M$4.4M$4.4M$6.7M$2.4M$1.1M$2.1M$810.0K
Net income $17.5M$13.4M$16.9M$18.2M$18.5M$29.6M$9.6M$4.3M$1.3M$1.6M
EPS, basic 2.702.082.642.842.844.532.051.020.210.05
EPS, diluted 2.692.062.632.782.774.472.031.000.190.05
Shares, diluted (wtd. avg.) 6.3M6.3M6.4M6.5M6.7M6.1M4.6M4.3M3.5M16.1M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $259.0M$235.3M$261.6M$151.8M$166.6M$221.6M$45.9M$67.3M$45.5M$57.9M
Property, plant and equipment $3.5M$3.5M$3.8M$3.8M$5.9M$3.7M$4.0M$3.9M$3.5M$3.4M
Total assets $2.12B$2.07B$2.06B$1.82B$1.50B$1.48B$880.5M$665.0M$481.4M$436.1M
Long-term debt ———$29.5M$24.3M$79.5M$12.5M$6.0M——
Total liabilities $1.93B$1.90B$1.90B$1.68B$1.37B$1.37B$799.9M$619.5M$441.2M$396.8M
Retained earnings $103.9M$88.3M$76.5M$61.1M$44.1M$26.5M-$2.9M-$12.8M-$17.1M-$17.8M
Total equity $184.4M$168.4M$155.4M$139.2M$125.3M$110.2M$80.7M$45.6M$40.3M$39.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $18.7M$14.2M$18.1M$39.8M$253.3M-$123.5M-$103.5M-$11.8M$4.0M$1.8M
Depreciation and amortisation $476.0K$486.0K$567.0K$496.0K$435.0K$381.0K$316.0K$248.0K$208.0K$211.0K
Stock-based compensation $1.4M$1.2M$1.2M$899.0K$707.0K$711.0K$527.0K$376.0K$246.0K$122.0K
Capital expenditure $487.0K$266.0K$661.0K$905.0K$3.0M$385.0K$443.0K$612.0K$312.0K$47.0K
Investing cash flow -$25.0M-$33.0M-$121.9M-$353.3M-$316.7M-$259.8M-$111.4M-$143.8M-$59.4M-$52.6M
Financing cash flow $30.1M-$7.5M$213.6M$298.8M$8.4M$558.9M$193.5M$177.4M$43.0M$82.9M
Dividends paid $1.9M$1.6M$1.5M$1.2M$848.0K$195.0K————
Buybacks $1.3M$223.0K$177.0K$2.3M$3.0M$648.0K$23.0K$42.0K$49.0K$30.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-172294.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 14.4M Net income, FY2016: 1.6M Revenue, FY2017: 17.2M Net income, FY2017: 1.3M Revenue, FY2018: 24.9M Net income, FY2018: 4.3M Revenue, FY2019: 35.1M Net income, FY2019: 9.6M Revenue, FY2020: 42.4M Net income, FY2020: 29.6M Revenue, FY2021: 52.3M Net income, FY2021: 18.5M Revenue, FY2022: 67.8M Net income, FY2022: 18.2M Revenue, FY2023: 108.3M Net income, FY2023: 16.9M Revenue, FY2024: 118.4M Net income, FY2024: 13.4M Revenue, FY2025: 120M Net income, FY2025: 17.5M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $14.4M $17.2M $24.9M $35.1M $42.4M $52.3M $67.8M $108.3M $118.4M $120.0M
Gross profit — — — — — — — — — —
Net income $1.6M $1.3M $4.3M $9.6M $29.6M $18.5M $18.2M $16.9M $13.4M $17.5M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Item 5.02
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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