CFBK · Cf Bankshares Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $476.0K | $486.0K | $567.0K | $496.0K | $435.0K | $381.0K |
| Operating Income | $21.53M | $16.14M | $20.98M | $22.59M | $36.28M | $36.28M |
| Interest Expense | - | - | $60.64M | $18.97M | $10.31M | $14.58M |
| Income Tax | $3.99M | $2.76M | $4.05M | $4.43M | $4.37M | $6.67M |
| Net Income | $17.54M | $13.39M | $16.94M | $18.16M | $18.45M | $29.61M |
| EPS - Basic | $2.70 | $2.08 | $2.64 | $2.84 | $2.84 | $4.53 |
| EPS - Diluted | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 | $4.47 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $258.97M | $235.27M | $261.60M | $151.79M | $45.88M | $221.59M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.12B | $2.07B | $2.06B | $1.82B | $1.50B | $1.48B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | $29.46M | $24.28M | $79.51M |
| Total Liabilities | $1.93B | $1.90B | $1.90B | $1.68B | $1.37B | $1.37B |
| Stockholders' Equity | $184.43M | $168.44M | $155.37M | $139.25M | $125.33M | $110.21M |
| Retained Earnings | $103.88M | $88.29M | $76.52M | $61.09M | $44.08M | $26.48M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.69M | $14.19M | $18.05M | $39.76M | $253.30M | ($123.47M) |
| Investing Cash Flow | ($25.04M) | ($32.99M) | ($121.85M) | ($353.32M) | ($316.73M) | ($259.75M) |
| Financing Cash Flow | $30.05M | ($7.52M) | $213.61M | $298.75M | $8.42M | $558.93M |
| CapEx | $487.0K | $266.0K | $661.0K | $905.0K | $2.96M | $385.0K |
| Free Cash Flow | $18.20M | $13.92M | $17.39M | $38.86M | $250.34M | ($123.85M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.04 | 1.04 | 1.03 | 2.14 | 13.57 | -4.18 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 18.5% | 17.1% | 19.3% | 19.6% | 19.1% | 18.4% |
| Return on assets | 0.8% | 0.6% | 0.8% | 1.0% | 1.2% | 2.0% |
| Return on equity | 9.5% | 7.9% | 10.9% | 13.0% | 14.7% | 26.9% |
| Return on invested capital | - | - | - | 10.8% | 19.6% | 15.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | 0.21 | 0.19 | 0.72 |
| Debt / Assets | - | - | - | 0.02 | 0.02 | 0.05 |
| Debt / EBITDA | - | - | - | 1.28 | 0.66 | 2.17 |
| Interest coverage | - | - | 0.3x | 1.2x | 3.5x | 2.5x |
| Equity multiplier | 11.48 | 12.26 | 13.25 | 13.07 | 11.93 | 13.40 |
| Liabilities / Assets | 0.91 | 0.92 | 0.92 | 0.92 | 0.92 | 0.93 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.3x | 12.4x | 7.4x | 7.6x | 7.4x | 4.0x |
| P / B | 0.9x | 1.0x | 0.8x | 1.0x | 1.1x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | -4.6x | -4.5x | -6.3x | 0.7x | 3.1x | -0.9x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 33.3% | -23.1% | -7.1% | -37.7% | 0.0% | 201.3% |
| Net income growth (YoY) | 31.0% | -21.0% | -6.8% | -1.6% | -37.7% | 208.4% |
| EPS growth (YoY) | 30.6% | -21.7% | -5.4% | 0.4% | -38.0% | 120.2% |
| EPS CAGR (3y) | -1.1% | -9.4% | -16.2% | 11.0% | 40.4% | 381.7% |
| EPS CAGR (5y) | -9.7% | 0.3% | 21.3% | 133.6% | 123.2% | 86.1% |
| FCF growth (YoY) | 30.7% | -19.9% | -55.2% | -84.5% | - | -19.1% |
| FCF CAGR (5y) | - | - | 39.1% | 60.6% | 170.0% | - |
| Book value growth (YoY) | 9.5% | 8.4% | 11.6% | 11.1% | 13.7% | 36.6% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing CF BANKSHARES INC. against the 5 most active filers in the same SIC group.
Dividends
$0.34/share trailing 12 months · +25.9% YoY
| Ex-date | Per share |
|---|---|
| Apr 13, 2026 | $0.0900 |
| Jan 15, 2026 | $0.0900 |
| Oct 10, 2025 | $0.0800 |
| Jul 11, 2025 | $0.0800 |
| Apr 14, 2025 | $0.0700 |
| Jan 16, 2025 | $0.0700 |
| Oct 11, 2024 | $0.0700 |
| Jul 11, 2024 | $0.0600 |
| Apr 17, 2024 | $0.0600 |
| Jan 12, 2024 | $0.0600 |
| Oct 13, 2023 | $0.0600 |
| Jul 20, 2023 | $0.0600 |
| Apr 14, 2023 | $0.0600 |
| Jan 13, 2023 | $0.0500 |
| Oct 13, 2022 | $0.0500 |
| Jul 14, 2022 | $0.0500 |
| Apr 13, 2022 | $0.0400 |
| Jan 20, 2022 | $0.0400 |
| Oct 21, 2021 | $0.0400 |
| Jul 21, 2021 | $0.0300 |
| Apr 21, 2021 | $0.0300 |
| Jan 20, 2021 | $0.0300 |
| Nov 4, 2020 | $0.0300 |
| Dec 31, 2008 | $1.3812 |