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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $123.0K | - | - | - | $118.0K | - | - | - | $130.0K | - |
| Operating Income | $5.89M | - | $2.71M | $6.40M | $5.58M | - | $5.28M | $1.93M | $3.77M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $17.80M | - |
| Income Tax | $868.0K | - | $373.0K | $1.36M | $1.15M | - | $1.08M | $237.0K | $695.0K | - |
| Net Income | $5.02M | - | $2.34M | $5.04M | $4.43M | - | $4.21M | $1.70M | $3.07M | - |
| EPS - Basic | $0.77 | - | $0.36 | $0.77 | $0.68 | - | $0.65 | $0.26 | $0.48 | - |
| EPS - Diluted | $0.77 | - | $0.36 | $0.77 | $0.68 | - | $0.65 | $0.26 | $0.47 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $267.76M | $258.97M | $272.36M | $275.68M | $240.99M | $235.27M | $233.52M | $241.78M | $236.89M | $261.60M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.15B | $2.12B | $2.11B | $2.13B | $2.09B | $2.07B | $2.07B | $2.04B | $2.04B | $2.06B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.96B | $1.93B | $1.93B | $1.96B | $1.92B | $1.90B | $1.90B | $1.88B | $1.88B | $1.90B |
| Stockholders' Equity | $188.96M | $184.43M | $179.29M | $177.02M | $172.68M | $168.44M | $164.00M | $159.59M | $158.00M | $155.37M |
| Retained Earnings | $108.32M | $103.88M | $98.67M | $96.85M | $92.27M | $88.29M | $84.33M | $80.51M | $79.20M | $76.52M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.73M | - | - | - | $2.21M | - | - | - | ($1.16M) | - |
| Investing Cash Flow | ($22.72M) | - | - | - | ($22.93M) | - | - | - | ($1.78M) | - |
| Financing Cash Flow | $26.78M | - | - | - | $26.44M | - | - | - | ($21.76M) | - |
| CapEx | $109.0K | - | - | - | $54.0K | - | - | - | $3.0K | - |
| Free Cash Flow | $4.62M | - | - | - | $2.15M | - | - | - | ($1.16M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.92 | - | - | - | 0.49 | - | - | - | -0.38 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 14.7% | - | 13.7% | 21.3% | 20.6% | - | 20.4% | 12.3% | 18.5% | - |
| Return on assets | 0.2% | - | 0.1% | 0.2% | 0.2% | - | 0.2% | 0.1% | 0.2% | - |
| Return on equity | 2.7% | - | 1.3% | 2.8% | 2.6% | - | 2.6% | 1.1% | 1.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.2x | - |
| Equity multiplier | 11.36 | 11.48 | 11.77 | 12.05 | 12.13 | 12.26 | 12.60 | 12.79 | 12.91 | 13.25 |
| Liabilities / Assets | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 36.2x | - | 66.5x | 31.1x | 32.4x | - | 33.3x | 72.2x | 42.5x | - |
| P / B | 0.9x | - | 0.8x | 0.9x | 0.8x | - | 0.8x | 0.7x | 0.8x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | -15.2x | - | - | - | -18.0x | - | - | - | -27.6x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 5.6% | - | -48.6% | 231.3% | 48.2% | - | 5.3% | -63.4% | -31.8% | - |
| Net income growth (YoY) | 13.4% | - | -44.4% | 197.1% | 44.3% | - | 4.3% | -59.9% | -31.0% | - |
| EPS growth (YoY) | 13.2% | - | -44.6% | 196.2% | 44.7% | - | 4.8% | -60.6% | -30.9% | - |
| EPS CAGR (3y) | 4.2% | - | -17.9% | 2.3% | -0.5% | - | 2.1% | -20.6% | -21.2% | - |
| EPS CAGR (5y) | -4.3% | - | -25.2% | -12.8% | 17.8% | - | 2.0% | -13.9% | 3.8% | - |
| FCF growth (YoY) | 114.7% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | -42.7% | - | - | - | - | - |
| Book value growth (YoY) | 9.4% | 9.5% | 9.3% | 10.9% | 9.3% | 8.4% | 8.4% | 8.3% | 10.2% | 11.6% |
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 |