Saturday 17 October 2026 Export CFBK’s income statement to Excel — free account

CF Bankshares Inc.

CF Bankshares Inc.’s revenue for fiscal 2025 (year ended December 2025) was $125.9 million, up 1.91% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 18.2%, free cash flow fell 35.8% and total debt fell 1.45%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

33.57 0.01 +0.03%

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Market cap: $217.9M
P/E: 11.5×
Fwd P/E: 8.1×
Dividend yield: 1.07%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.06

Total sells 0.01

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	5	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	1	—

Insider Ownership 21.21%

Capital & Financial Ratios $m

Market Cap 217.88

Revenue 124.92

Net Income 19.01

Free Cash Flow 17.86

Net Debt (138.91)

Current Ratio 1.14

Debt/Equity 0.59

P/E ratio 11.50

Fwd P/E 8.10

P/S ratio 1.70

P/B ratio 1.09

Past 5Y EPS Growth (9.66%)

This Y EPS Growth 32.71%

Next Y EPS Growth 17.65%

Next Y revenue growth (47.98%)

Next 5Y EPS Growth 28.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.72%

10-year low 10-year high

P/S against its own 10 years 60.93%

10-year low 10-year high

P/B against its own 10 years 77.26%

10-year low 10-year high

Dividends

Payout Ratio 0.12

Annual Dividend Rate 0.36

Annual Dividend Yield 1.07%

	total	individual payouts
2027	Powerpack
2026	0.36	0.09 0.09 0.09 0.09
2025	0.30	0.07 0.07 0.08 0.08
2024	0.25	0.06 0.06 0.06 0.07
2023	0.23	0.05 0.06 0.06 0.06
2022	0.18	0.04 0.04 0.05 0.05
2021	0.13	0.03 0.03 0.03 0.04
2020	0.03	0.03

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	262	235	259	253
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,002	2,006	2,054	2,106

	2023	2024	2025	Q'26
Payables	1,744	1,756	1,781	1,829
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,771	1,781	1,808	1,853

Compound Annual Growth %

	10y	5y	3y
Sales	24.79%	4.23%	21.06%
Cash Flow	13.86%	0.00%	(22.25%)
Earnings	16.73%	(9.06%)	(2.18%)
Book Value	17.02%	10.85%	9.82%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	30	32	—	—	—
’25	30	32	32	31	126
’24	30	31	32	31	124
’23	25	27	29	31	112
’22	14	16	19	23	71
’21	20	15	15	15	64
’20	13	30	34	25	102

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	5	5	—	—	—
’25	2	8	5	3	19
’24	(1)	4	(1)	13	14
’23	6	2	2	8	18
’22	21	12	0	7	40
’21	(162)	198	164	54	253
’20	35	(60)	(76)	(22)	(123)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	5	5	—	—	—
’25	2	8	5	3	18
’24	(1)	4	(1)	12	14
’23	5	2	2	8	17
’22	20	12	0	7	39
’21	(163)	197	164	52	251
’20	35	(61)	(76)	(22)	(124)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.77	0.90	—	—	—
’25	0.68	0.77	0.36	0.88	2.69
’24	0.47	0.26	0.65	0.68	2.06
’23	0.68	0.66	0.62	0.65	2.63
’22	0.69	0.72	0.65	0.72	2.78
’21	0.96	0.52	0.61	0.68	2.77
’20	0.30	1.53	1.54	1.11	4.47

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	6.08	8.56	10.62	11.67	8.44	16.00	19.61	14.69	16.92	19.22	Analyst estimates 2026–2028 Powerpack
	High	9.94	20.11	16.95	14.17	18.85	23.99	23.95	21.85	31.17	27.46
People
People	Employees	64	66	95	125	177	134	125	108	103	104
	Revenue/emp, $m	0.24	0.27	0.29	0.37	0.58	0.48	0.57	1.04	1.20	1.21
Income, $m
Income, $m	Revenue	16	18	28	47	102	64	71	112	124	126
	Gross margin, %	80.14	80.31	74.65	71.37	85.76	83.89	73.27	46.01	41.94	48.40
	EBT	2	3	5	12	36	23	23	21	16	22
	EBT margin, %	15.64	19.28	19.31	25.72	35.44	35.66	31.83	18.68	13.07	17.10
	Net income	2	1	4	10	30	18	18	17	13	18
	Depreciation	0	0	0	0	(1)	(2)	0	0	(1)	(2)
Per share, $
Per share, $	Revenue	5.35	5.51	6.48	10.22	16.98	9.83	11.09	17.49	19.69	20.02
	Earnings	0.28	0.22	1.02	2.05	4.53	2.84	2.84	2.64	2.08	2.70
	Cash flow	0.62	1.21	(2.77)	(22.60)	(20.48)	38.92	6.22	2.81	2.26	2.97
	Capex	(0.02)	(0.10)	(0.14)	(0.10)	(0.06)	(0.40)	(0.14)	(0.10)	(0.04)	(0.08)
	Free cash flow	0.60	1.12	(2.92)	(22.70)	(20.54)	38.52	6.07	2.71	2.22	2.89
	Book value	13.49	12.35	10.69	17.61	18.28	19.26	21.77	24.20	26.84	29.32
	Shares, m	3	3	4	5	6	7	6	6	6	6
Valuation, ×
Valuation, ×	P/E	33.75	53.24	11.57	6.84	3.90	7.25	7.42	7.46	12.34	9.28
	P/S	1.73	2.66	1.80	1.36	1.04	2.09	1.89	1.13	1.30	1.25
	P/B	0.69	1.19	1.09	0.79	0.97	1.07	0.96	0.81	0.95	0.85
	EV/Sales	(0.79)	1.16	0.60	1.32	1.12	1.12	1.51	(0.09)	0.26	0.11
	EV/FCF	(7.08)	5.71	(1.34)	(0.59)	(0.92)	0.29	2.75	(0.59)	2.34	0.76
Cash, $m
Cash, $m	Operating cash flow	2	4	(12)	(104)	(123)	253	40	18	14	19
	Capex	0	0	(1)	0	0	(3)	(1)	(1)	0	0
	Free cash flow	2	4	(12)	(104)	(124)	251	39	17	14	18
Balance, $m
Balance, $m	Working capital	34	36	58	104	300	173	212	231	225	246
	Total debt	19	19	34	44	229	105	124	125	108	116
	Net debt	(39)	(27)	(33)	(2)	8	(62)	(28)	(137)	(128)	(143)
	Shareholders’ equity	39	40	46	81	110	125	139	155	168	184
Returns, %
Returns, %	ROA	0.20	0.15	0.76	1.22	2.32	1.24	1.10	0.87	0.63	0.81
	ROIC	0.00	16.24	26.82	9.59	19.25	22.56	12.95	70.58	24.85	32.53
	ROE	1.98	1.71	10.10	14.88	28.63	15.67	13.73	11.50	8.05	9.64

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CMTV Community Bancorp.	$234.3M	12.6×	—	+8.55% (above 0%: growing)	+16.67% (above 0%: growing)	+17.48% (above 0%: growing)	73.88%	0.00%	Compare
INBK First Internet Bancorp	$226.6M	— (loss-making)	11.4×	−1.30% (below 0%: shrinking)	+1,250.00% (above 0%: growing)	+126.71% (above 0%: growing)	48.20%	0.00%	Compare
OPBK OP Bancorp	$221.8M	7.6×	7.5×	+5.31% (above 0%: growing)	+28.57% (above 0%: growing)	+3.10% (above 0%: growing)	58.66%	0.00%	Compare
MRBK Meridian Bank	$219.6M	9.9×	9.5×	−3.50% (below 0%: shrinking)	−2.00% (below 0%: shrinking)	+88.96% (above 0%: growing)	64.49%	0.00%	Compare
CFBK CF Bankshares Inc.	$217.9M	11.5×	8.1×	−0.68% (below 0%: shrinking)	+18.18% (above 0%: growing)	−35.84% (below 0%: shrinking)	52.15%	0.00%
OVBC Ohio Valley Banc Corp.	$217.2M	15.3×	11.0×	+11.63% (above 0%: growing)	−30.34% (below 0%: shrinking)	−91.53% (below 0%: shrinking)	69.70%	0.00%	Compare
FCAP First Capital, Inc.	$206.0M	11.1×	— (loss-making)	+11.02% (above 0%: growing)	+26.55% (above 0%: growing)	+2.66% (above 0%: growing)	80.17%	0.00%	Compare
CZWI Citizens Community Bancorp, Inc.	$203.7M	16.2×	11.4×	−2.75% (below 0%: shrinking)	−66.67% (below 0%: shrinking)	+1,134.94% (above 0%: growing)	65.38%	0.00%	Compare
RBKB Rhinebeck Bancorp, Inc.	$200.9M	17.9×	—	+2.17% (above 0%: growing)	−5.03% (below 0%: shrinking)	+145.41% (above 0%: growing)	71.31%	0.00%	Compare
Median of peers	$218.4M	12.6×	11.0×	+3.74%	+7.34%	+53.22%	67.54%	0.00%

All 323 Banks Regional stocks →

CF Bankshares Inc. (CFBK) key facts

Strength: CF Bankshares Inc.’s revenue for fiscal 2025 (year ended December 2025) was $125.9 million, up 1.91% from fiscal 2024.
Strength: Net income was $17.5 million, or $2.70 per share (basic), a net margin of 13.5%.
CF Bankshares Inc. (CFBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CFBK traded at $33.57, a market capitalization of $217.9 million.
At that price the stock trades at 11.5× trailing-twelve-month earnings and 1.7× sales; its P/E is higher than 74% of its own readings over the past ten years.
CF Bankshares Inc. pays an annual dividend of $0.36 per share, a yield of 1.07%, with a payout ratio of 12.4%.
Return on equity was 9.64% and debt-to-equity 0.59.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.