CF Bankshares Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
CF Bankshares Inc's revenue grew 9.3% year-over-year to $118.4M, a solid pace of expansion. This earns a growth score of 55/100.
CF Bankshares Inc has elevated debt relative to equity (D/E of 11.26), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
CF Bankshares Inc has a free cash flow margin of 11.8%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.
CF Bankshares Inc's ROE of 8.0% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 10.9% the prior year.
CF Bankshares Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, CF Bankshares Inc generates $1.06 in operating cash flow ($14.2M OCF vs $13.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows CF Bankshares Inc (CFBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
CF Bankshares Inc generated $118.4M in revenue in fiscal year 2024. This represents an increase of 9.3% from the prior year.
CF Bankshares Inc generated $13.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 19.9% from the prior year.
CF Bankshares Inc reported $13.4M in net income in fiscal year 2024. This represents a decrease of 21.0% from the prior year.
CF Bankshares Inc earned $2.06 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 21.7% from the prior year.
CF Bankshares Inc held $235.3M in cash against $0 in long-term debt as of fiscal year 2024.
CF Bankshares Inc paid $0.25 per share in dividends in fiscal year 2024. This represents an increase of 8.7% from the prior year.
CF Bankshares Inc's net profit margin was 11.3% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.3 percentage points from the prior year.
CF Bankshares Inc's ROE was 8.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.9 percentage points from the prior year.
CF Bankshares Inc spent $223K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 26.0% from the prior year.
CF Bankshares Inc invested $266K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 59.8% from the prior year.
CFBK Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.4M0.0% | $30.4M+4.0% | $29.2M-2.6% | $30.0M+2.3% | $29.3M+0.8% | $29.1M-2.1% | $29.7M+5.5% | $28.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $16.6M+1.4% | $16.4M+0.4% | $16.3M-6.7% | $17.5M-2.7% | $17.9M+0.8% | $17.8M-0.9% | $18.0M+8.8% | $16.5M |
| Income Tax | $373K-72.7% | $1.4M+18.8% | $1.1M+53.6% | $748K+215.6% | $237K-65.9% | $695K-25.4% | $932K-5.3% | $984K |
| Net Income | $2.3M-53.5% | $5.0M+13.7% | $4.4M+0.3% | $4.4M+160.6% | $1.7M-44.8% | $3.1M-27.5% | $4.2M+5.1% | $4.0M |
| EPS (Diluted) | $0.36-53.2% | $0.77+13.2% | $0.680.0% | $0.68+161.5% | $0.26-44.7% | $0.47-29.9% | $0.67+8.1% | $0.62 |
CFBK Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-1.1% | $2.1B+1.9% | $2.1B+1.4% | $2.1B+1.2% | $2.0B+0.1% | $2.0B-0.9% | $2.1B+3.3% | $2.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $272.4M-1.2% | $275.7M+14.4% | $241.0M+2.4% | $235.3M-2.7% | $241.8M+2.1% | $236.9M-9.4% | $261.6M+13.9% | $229.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.9B-1.3% | $2.0B+1.8% | $1.9B+1.3% | $1.9B+0.9% | $1.9B0.0% | $1.9B-1.1% | $1.9B+3.4% | $1.8B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $179.3M+1.3% | $177.0M+2.5% | $172.7M+2.5% | $168.4M+5.5% | $159.6M+1.0% | $158.0M+1.7% | $155.4M+2.7% | $151.3M |
| Retained Earnings | $98.7M+1.9% | $96.8M+5.0% | $92.3M+4.5% | $88.3M+9.7% | $80.5M+1.7% | $79.2M+3.5% | $76.5M+5.3% | $72.7M |
CFBK Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.5M-31.1% | $8.0M+260.7% | $2.2M-82.5% | $12.6M+217.3% | $4.0M+442.9% | -$1.2M-114.5% | $8.0M+225.6% | $2.5M |
| Capital Expenditures | $263K+128.7% | $115K+113.0% | $54K-76.2% | $227K+2737.5% | $8K+166.7% | $3K-76.9% | $13K | $0 |
| Free Cash Flow | $5.2M-33.5% | $7.8M+264.4% | $2.2M-82.7% | $12.4M+212.3% | $4.0M+441.3% | -$1.2M-114.6% | $8.0M+225.1% | $2.5M |
| Investing Cash Flow | $21.9M+503.1% | -$5.4M+76.3% | -$22.9M-304.3% | -$5.7M-308.9% | $2.7M+252.4% | -$1.8M+94.9% | -$35.1M-23.3% | -$28.5M |
| Financing Cash Flow | -$30.7M-195.5% | $32.2M+21.7% | $26.4M+607.4% | -$5.2M-187.4% | -$1.8M+91.7% | -$21.8M-136.9% | $59.0M+143.7% | $24.2M |
| Dividends Paid | $519K+13.8% | $456K+0.7% | $453K0.0% | $453K+17.1% | $387K+0.3% | $386K0.0% | $386K+0.3% | $385K |
| Share Buybacks | $76K | N/A | N/A | $0-100.0% | $44K-75.4% | $179K | N/A | N/A |
CFBK Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 7.7%-8.9pp | 16.6%+1.4pp | 15.2%+0.4pp | 14.7%+8.9pp | 5.8%-4.8pp | 10.5%-3.7pp | 14.2%-0.1pp | 14.3% |
| Return on Equity | 1.3%-1.5pp | 2.8%+0.3pp | 2.6%-0.1pp | 2.6%+1.6pp | 1.1%-0.9pp | 1.9%-0.8pp | 2.7%+0.1pp | 2.7% |
| Return on Assets | 0.1%-0.1pp | 0.2%+0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.1%-0.1pp | 0.1%-0.1pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 10.77-0.3 | 11.05-0.1 | 11.13-0.1 | 11.26-0.5 | 11.79-0.1 | 11.91-0.3 | 12.25+0.1 | 12.17 |
| FCF Margin | 17.2%-8.6pp | 25.8%+18.5pp | 7.4%-34.0pp | 41.4%+27.8pp | 13.6%+17.6pp | -4.0%-30.8pp | 26.8%+18.1pp | 8.7% |
Similar Companies
Frequently Asked Questions
What is CF Bankshares Inc's annual revenue?
CF Bankshares Inc (CFBK) reported $118.4M in total revenue for fiscal year 2024. This represents a 9.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is CF Bankshares Inc's revenue growing?
CF Bankshares Inc (CFBK) revenue grew by 9.3% year-over-year, from $108.3M to $118.4M in fiscal year 2024.
Is CF Bankshares Inc profitable?
Yes, CF Bankshares Inc (CFBK) reported a net income of $13.4M in fiscal year 2024, with a net profit margin of 11.3%.
What is CF Bankshares Inc's earnings per share (EPS)?
CF Bankshares Inc (CFBK) reported diluted earnings per share of $2.06 for fiscal year 2024. This represents a -21.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is CF Bankshares Inc's net profit margin?
CF Bankshares Inc (CFBK) had a net profit margin of 11.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does CF Bankshares Inc pay dividends?
Yes, CF Bankshares Inc (CFBK) paid $0.25 per share in dividends during fiscal year 2024.
What is CF Bankshares Inc's return on equity (ROE)?
CF Bankshares Inc (CFBK) has a return on equity of 8.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is CF Bankshares Inc's free cash flow?
CF Bankshares Inc (CFBK) generated $13.9M in free cash flow during fiscal year 2024. This represents a -19.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is CF Bankshares Inc's operating cash flow?
CF Bankshares Inc (CFBK) generated $14.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are CF Bankshares Inc's total assets?
CF Bankshares Inc (CFBK) had $2.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are CF Bankshares Inc's capital expenditures?
CF Bankshares Inc (CFBK) invested $266K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does CF Bankshares Inc buy back shares?
Yes, CF Bankshares Inc (CFBK) spent $223K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
What is CF Bankshares Inc's debt-to-equity ratio?
CF Bankshares Inc (CFBK) had a debt-to-equity ratio of 11.26 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is CF Bankshares Inc's return on assets (ROA)?
CF Bankshares Inc (CFBK) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is CF Bankshares Inc's Piotroski F-Score?
CF Bankshares Inc (CFBK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CF Bankshares Inc's earnings high quality?
CF Bankshares Inc (CFBK) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is CF Bankshares Inc?
CF Bankshares Inc (CFBK) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.