Saturday 17 October 2026
Export CFBK’s income statement to Excel — free account
CF Bankshares Inc.
CFBK Financial Banks Regional
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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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
33.75 | 53.24 | 11.57 | 6.84 | 3.90 | 7.25 | 7.42 | 7.46 | 12.34 | 9.28 |
Piotroski F-Score |
4 | 5 | 4 | 5 | 5 | 4 | 5 | 5 | 6 | 7 |
P/S ratio |
1.73 | 2.66 | 1.80 | 1.36 | 1.04 | 2.09 | 1.89 | 1.13 | 1.30 | 1.25 |
P/FCF ratio |
15.49 | 13.12 | 0.00 | 0.00 | 0.00 | 0.53 | 3.46 | 7.27 | 11.51 | 8.62 |
P/Operating CF |
229.06 | 13.69 | 6.00 | (1.49) | (4.92) | 2.45 | 19.80 | 15.85 | 12.69 | 51.52 |
P/B ratio |
0.69 | 1.19 | 1.09 | 0.79 | 0.97 | 1.07 | 0.96 | 0.81 | 0.95 | 0.85 |
Price to Tangible BV |
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/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(6.90) | 5.26 | (1.41) | (0.60) | (0.93) | 0.28 | 2.69 | (0.57) | 2.30 | 0.74 |
EV/FCF |
(7.08) | 5.71 | (1.34) | (0.59) | (0.92) | 0.29 | 2.75 | (0.59) | 2.34 | 0.76 |
Quick Ratio |
0.15 | 0.11 | 0.12 | 0.06 | 0.20 | 0.13 | 0.10 | 0.15 | 0.13 | 0.14 |
Current Ratio |
1.09 | 1.08 | 1.10 | 1.14 | 1.26 | 1.14 | 1.14 | 1.13 | 1.13 | 1.14 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
4.28% | 3.87% | 5.15% | 4.98% | 15.52% | 6.99% | 6.83% | 6.07% | 5.21% | 5.48% |
Debt/Equity |
0.47 | 0.46 | 0.75 | 0.54 | 2.08 | 0.83 | 0.89 | 0.80 | 0.64 | 0.63 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.06 | 0.09 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
2.33 | 5.81 | (2.72) | (11.03) | (4.52) | 13.73 | 2.19 | 1.07 | 1.09 | 1.10 |
Capex/Depreciation |
(0.32) | (2.69) | (2.96) | (2.01) | 0.34 | 1.25 | 2.35 | 1.45 | 0.30 | 0.31 |
| 1.98% | 1.71% | 10.10% | 14.88% | 28.63% | 15.67% | 13.73% | 11.50% | 8.05% | 9.64% | |
| 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% |
Return on Tangible Assets |
2.07% | 1.73% | 7.01% | 8.69% | 9.00% | 10.34% | 8.40% | 7.21% | 5.69% | 6.82% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
63.15% | 59.87% | 54.44% | 44.98% | 49.95% | 47.52% | 39.93% | 26.76% | 28.43% | 30.93% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.78% | 1.37% | 1.36% | 1.13% | 0.69% | 1.10% | 1.27% | 1.04% | 0.93% | 1.11% |
Graham Net Nets |
0.54 | 0.35 | 0.46 | 0.90 | 0.64 | 0.47 | 0.62 | 0.78 | 0.68 | 0.77 |
Graham Number |
9.14 | 8.74 | 15.59 | 28.43 | 43.21 | 35.02 | 37.23 | 37.91 | 35.36 | 42.13 |
Earnings Yield |
2.96% | 1.88% | 8.64% | 14.62% | 25.66% | 13.78% | 13.48% | 13.40% | 8.10% | 10.78% |
Free Cash Flow Yield |
6.46% | 7.62% | (24.94%) | (162.71%) | (116.12%) | 187.65% | 28.93% | 13.75% | 8.69% | 11.60% |
Revenue per Share |
5.35 | 5.51 | 6.48 | 10.22 | 16.98 | 9.83 | 11.09 | 17.49 | 19.69 | 20.02 |
Operating CF per Share |
0.62 | 1.21 | (2.77) | (22.60) | (20.48) | 38.92 | 6.22 | 2.81 | 2.26 | 2.97 |
Capex per Share |
(0.02) | (0.10) | (0.14) | (0.10) | (0.06) | (0.40) | (0.14) | (0.10) | (0.04) | (0.08) |
Free Cash Flow per Share |
0.60 | 1.12 | (2.92) | (22.70) | (20.54) | 38.52 | 6.07 | 2.71 | 2.22 | 2.89 |
Cash per Share |
19.93 | 13.99 | 15.82 | 10.04 | 36.77 | 25.61 | 23.74 | 40.76 | 37.51 | 41.19 |
Shareholders Equity per Share |
13.49 | 12.35 | 10.69 | 17.61 | 18.28 | 19.26 | 21.77 | 24.20 | 26.84 | 29.32 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.49 | 12.35 | 10.69 | 17.61 | 18.28 | 19.26 | 21.77 | 24.20 | 26.84 | 29.32 |
Free Cash Flow |
1.75 | 3.64 | (12.42) | (103.98) | (123.85) | 250.71 | 38.86 | 17.39 | 13.92 | 18.20 |
Working Capital |
33.79 | 35.81 | 57.96 | 104.08 | 299.89 | 172.53 | 212.49 | 230.94 | 225.24 | 245.70 |
Capital Expenditures |
(0.05) | (0.31) | (0.61) | (0.44) | (0.38) | (2.59) | (0.90) | (0.66) | (0.27) | (0.49) |
Net Current Asset Value |
14.73 | 16.66 | 22.86 | 57.37 | 68.06 | 63.13 | 83.16 | 98.50 | 109.10 | 121.30 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.02 | 0.02 | 0.01 | 0.00 | 0.04 | 0.01 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
11.09 | 13.79 | 9.35 | 5.31 | 2.94 | 5.85 | 5.80 | 6.01 | 9.89 | 7.29 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.04 | 0.03 | 0.05 | 0.06 | (0.30) | (0.35) | (0.10) | (0.12) | (0.25) | (0.45) |
Cash ROIC |
1.50% | 3.48% | (8.44%) | (61.00%) | (22.07%) | 63.21% | 9.35% | 3.21% | 2.72% | 3.25% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.04 | 0.04 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
44,253.18 | 43,278.22 | 30,244.66 | 20,322.88 | 27,868.74 | 44,128.28 | 29,392.41 | 10,497.88 | 8,932.54 | 10,003.56 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
332.92 | 397.20 | 499.41 | 663.05 | 929.70 | 1,179.71 | 1,387.14 | 1,635.99 | 1,749.93 | 1,768.24 |
Average Assets |
393.70 | 458.77 | 573.23 | 772.79 | 1,178.77 | 1,486.29 | 1,657.88 | 1,939.39 | 2,062.07 | 2,091.42 |
Average Common Equity |
38.80 | 39.77 | 42.91 | 63.11 | 95.44 | 117.77 | 132.29 | 147.31 | 161.91 | 176.43 |
Columns are period end dates