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Friday 6 November 2026
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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.
- Revenue
- −0.67%
- EPS
- +155.6%
- Free cash flow
- −35.8%
- Total debt
- −1.45%
Quarter to September 2026, against a year earlier
34.88
0.29
+0.84%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.28 | 12.34 | 7.46 | 7.42 | 7.25 | 3.90 | 6.84 | 11.57 | 52.98 | 33.60 |
Piotroski F-Score |
7 | 6 | 5 | 5 | 4 | 5 | 5 | 4 | 5 | 4 |
P/S ratio |
1.25 | 1.30 | 1.13 | 1.89 | 2.09 | 1.04 | 1.36 | 1.80 | 2.65 | 1.73 |
P/FCF ratio |
8.62 | 11.51 | 7.27 | 3.46 | 0.53 | 0.00 | 0.00 | 0.00 | 13.05 | 15.42 |
P/Operating CF |
51.52 | 12.69 | 15.85 | 19.80 | 2.45 | (4.92) | (1.49) | 6.00 | 13.62 | 228.07 |
P/B ratio |
0.85 | 0.95 | 0.81 | 0.96 | 1.07 | 0.97 | 0.79 | 1.09 | 1.18 | 0.69 |
Price to Tangible BV |
0.85 | 0.95 | 0.81 | 0.96 | 1.07 | 0.97 | 0.79 | 1.09 | 1.18 | 0.69 |
EV/Sales |
0.11 | 0.26 | (0.09) | 1.51 | 1.12 | 1.12 | 1.32 | 0.60 | 1.16 | (0.79) |
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 |
0.74 | 2.30 | (0.57) | 2.69 | 0.28 | (0.93) | (0.60) | (1.41) | 5.26 | (6.90) |
EV/FCF |
0.76 | 2.34 | (0.59) | 2.75 | 0.29 | (0.92) | (0.59) | (1.34) | 5.71 | (7.08) |
Quick Ratio |
0.14 | 0.13 | 0.15 | 0.10 | 0.13 | 0.20 | 0.06 | 0.12 | 0.11 | 0.15 |
Current Ratio |
1.14 | 1.13 | 1.13 | 1.14 | 1.14 | 1.26 | 1.14 | 1.10 | 1.08 | 1.09 |
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 |
5.48% | 5.21% | 6.07% | 6.83% | 6.99% | 15.52% | 4.98% | 5.15% | 3.87% | 4.28% |
Debt/Equity |
0.63 | 0.64 | 0.80 | 0.89 | 0.83 | 2.08 | 0.54 | 0.75 | 0.46 | 0.47 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.09 | 0.06 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
1.10 | 1.09 | 1.07 | 2.19 | 13.73 | (4.52) | (11.03) | (2.72) | 5.81 | 2.33 |
Capex/Depreciation |
0.31 | 0.30 | 1.45 | 2.35 | 1.25 | 0.34 | (2.01) | (2.96) | (2.69) | (0.32) |
| 9.64% | 8.05% | 11.50% | 13.73% | 15.67% | 28.63% | 14.88% | 10.10% | 1.71% | 1.98% | |
| 0.81% | 0.63% | 0.87% | 1.10% | 1.24% | 2.32% | 1.22% | 0.76% | 0.15% | 0.20% | |
ROIC |
32.53% | 24.85% | 70.58% | 12.95% | 22.56% | 19.25% | 9.59% | 26.82% | 16.24% | 0.00% |
Return on Tangible Assets |
6.82% | 5.69% | 7.21% | 8.40% | 10.34% | 9.00% | 8.69% | 7.01% | 1.73% | 2.07% |
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 |
30.93% | 28.43% | 26.76% | 39.93% | 47.52% | 49.95% | 44.98% | 54.44% | 59.87% | 63.15% |
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 |
1.11% | 0.93% | 1.04% | 1.27% | 1.10% | 0.69% | 1.13% | 1.36% | 1.37% | 0.78% |
Graham Net Nets |
0.77 | 0.68 | 0.78 | 0.62 | 0.47 | 0.64 | 0.90 | 0.46 | 0.35 | 0.55 |
Graham Number |
42.13 | 35.36 | 37.91 | 37.23 | 35.02 | 43.21 | 28.43 | 15.59 | 8.74 | 9.14 |
Earnings Yield |
10.78% | 8.10% | 13.40% | 13.48% | 13.78% | 25.66% | 14.62% | 8.64% | 1.89% | 2.98% |
Free Cash Flow Yield |
11.60% | 8.69% | 13.75% | 28.93% | 187.65% | (116.12%) | (162.71%) | (24.94%) | 7.66% | 6.48% |
Revenue per Share |
20.02 | 19.69 | 17.49 | 11.09 | 9.83 | 16.98 | 10.22 | 6.48 | 5.51 | 5.35 |
Operating CF per Share |
2.97 | 2.26 | 2.81 | 6.22 | 38.92 | (20.48) | (22.60) | (2.77) | 1.21 | 0.62 |
Capex per Share |
(0.08) | (0.04) | (0.10) | (0.14) | (0.40) | (0.06) | (0.10) | (0.14) | (0.10) | (0.02) |
Free Cash Flow per Share |
2.89 | 2.22 | 2.71 | 6.07 | 38.52 | (20.54) | (22.70) | (2.92) | 1.12 | 0.60 |
Cash per Share |
41.19 | 37.51 | 40.76 | 23.74 | 25.61 | 36.77 | 10.04 | 15.82 | 13.99 | 19.93 |
Shareholders Equity per Share |
29.32 | 26.84 | 24.20 | 21.77 | 19.26 | 18.28 | 17.61 | 10.69 | 12.35 | 13.49 |
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 |
29.32 | 26.84 | 24.20 | 21.77 | 19.26 | 18.28 | 17.61 | 10.69 | 12.35 | 13.49 |
Free Cash Flow |
18.20 | 13.92 | 17.39 | 38.86 | 250.71 | (123.85) | (103.98) | (12.42) | 3.64 | 1.75 |
Working Capital |
245.70 | 225.24 | 230.94 | 212.49 | 172.53 | 299.89 | 104.08 | 57.96 | 35.81 | 33.79 |
Capital Expenditures |
(0.49) | (0.27) | (0.66) | (0.90) | (2.59) | (0.38) | (0.44) | (0.61) | (0.31) | (0.05) |
Net Current Asset Value |
121.30 | 109.10 | 98.50 | 83.16 | 63.13 | 68.06 | 57.37 | 22.86 | 16.66 | 14.73 |
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 | 0.00 | 0.01 | 0.01 | 0.04 | 0.00 | 0.01 | 0.02 | 0.02 | 0.00 |
Price to Operating Income |
7.29 | 9.89 | 6.01 | 5.80 | 5.85 | 2.94 | 5.31 | 9.35 | 13.72 | 11.04 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
(0.45) | (0.25) | (0.12) | (0.10) | (0.35) | (0.30) | 0.06 | 0.05 | 0.03 | 0.04 |
Cash ROIC |
3.25% | 2.72% | 3.21% | 9.35% | 63.21% | (22.07%) | (61.00%) | (8.44%) | 3.48% | 1.50% |
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 |
0.04 | 0.04 | 0.04 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
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 |
10,003.56 | 8,932.54 | 10,497.88 | 29,392.41 | 44,128.28 | 27,868.74 | 20,322.88 | 30,244.66 | 43,278.22 | 44,253.18 |
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 |
1,768.24 | 1,749.93 | 1,635.99 | 1,387.14 | 1,179.71 | 929.70 | 663.05 | 499.41 | 397.20 | 332.92 |
Average Assets |
2,091.42 | 2,062.07 | 1,939.39 | 1,657.88 | 1,486.29 | 1,178.77 | 772.79 | 573.23 | 458.77 | 393.70 |
Average Common Equity |
176.43 | 161.91 | 147.31 | 132.29 | 117.77 | 95.44 | 63.11 | 42.91 | 39.77 | 38.80 |
Columns are period end dates · fundamentals updated 6 Nov 2026