What is CF Bankshares Inc's earnings per share (EPS)?

CF Bankshares Inc (CFBK) reported diluted earnings per share of $2.69 for fiscal year 2025. This represents a 30.6% 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.

CF Bankshares Inc Financials

CFBK

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows CF Bankshares Inc (CFBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI CFBK FY2025 2026-05-11

CF Bankshares is a leveraged balance-sheet business where small asset returns are amplified into equity results and gradual capital rebuild.

From FY2023 to FY2025, total assets were basically flat while equity kept building from $155M to $184M. That pushed debt-to-equity down from 12.2x to 10.5x, so the balance sheet became stronger through retained earnings rather than by shrinking assets, an important difference for a balance-sheet business that still needs scale.

FY2025 return on assets was only 0.8%, yet return on equity reached 9.5%. That gap shows leverage is the transmission mechanism, with liabilities about 10.5x equity; even modest changes in asset profitability or funding cost can materially alter what reaches shareholders.

In both FY2024 and FY2025, operating cash flow slightly exceeded net income, which makes the recent earnings recovery look cash-backed rather than purely accounting-driven. With capital spending only $487K in FY2025, the model is light on physical reinvestment; the harder job is preserving spreads and funding discipline across a much larger asset base.

Financial Health Signals

Financial Profile 22/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of CF Bankshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

CF Bankshares Inc's revenue grew a modest 1.4% year-over-year to $120.0M. This slow but positive growth earns a score of 42/100.

Leverage

CF Bankshares Inc has elevated debt relative to equity (D/E of 10.48), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

CF Bankshares Inc has a free cash flow margin of 15.2%, earning a moderate score of 61/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

CF Bankshares Inc's ROE of 9.5% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 8.0% the prior year.

Piotroski F-Score Neutral

4/9

CF Bankshares Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, CF Bankshares Inc generates $1.07 in operating cash flow ($18.7M OCF vs $17.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$120.0M

YoY+1.4%

5Y CAGR+23.1%

10Y CAGR+25.5%

CF Bankshares Inc generated $120.0M in revenue in fiscal year 2025. This represents an increase of 1.4% from the prior year.

EBITDA

N/A

Net Income

$17.5M

YoY+30.6%

5Y CAGR-10.0%

10Y CAGR+14.6%

CF Bankshares Inc reported $17.5M in net income in fiscal year 2025. This represents an increase of 30.6% from the prior year.

EPS (Diluted)

$2.69

YoY+30.6%

5Y CAGR-9.7%

10Y CAGR+29.7%

CF Bankshares Inc earned $2.69 per diluted share (EPS) in fiscal year 2025. This represents an increase of 30.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$18.2M

YoY+30.7%

10Y CAGR+13.7%

CF Bankshares Inc generated $18.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 30.7% from the prior year.

Cash & Debt

$259.0M

YoY+10.1%

5Y CAGR+3.2%

10Y CAGR+25.9%

CF Bankshares Inc held $259.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.30

YoY+20.0%

5Y CAGR+58.5%

CF Bankshares Inc paid $0.30 per share in dividends in fiscal year 2025. This represents an increase of 20.0% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

14.6%

YoY+3.3pp

5Y CAGR-55.3pp

10Y CAGR-21.5pp

CF Bankshares Inc's net profit margin was 14.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.3 percentage points from the prior year.

Return on Equity

9.5%

YoY+1.5pp

5Y CAGR-17.4pp

10Y CAGR-2.2pp

CF Bankshares Inc's ROE was 9.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.3M

YoY+475.3%

5Y CAGR+14.6%

CF Bankshares Inc spent $1.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 475.3% from the prior year.

Capital Expenditures

$487K

YoY+83.1%

5Y CAGR+4.8%

10Y CAGR+26.9%

CF Bankshares Inc invested $487K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 83.1% from the prior year.

CFBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$120.0M+1.4%	$118.4M+9.3%	$108.3M+59.8%	$67.8M+29.4%	$52.3M+23.5%	$42.4M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.7M+10.9%	$14.2M-2.3%	$14.5M-4.0%	$15.1M-10.8%	$16.9M-22.9%	$22.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$65.0M-9.4%	$71.7M+18.3%	$60.6M+219.6%	$19.0M+84.1%	$10.3M-29.3%	$14.6M
Income Tax	$4.0M+44.6%	$2.8M-31.9%	$4.0M-8.6%	$4.4M+1.4%	$4.4M-34.6%	$6.7M
Net Income	$17.5M+30.6%	$13.4M-20.7%	$16.9M-7.0%	$18.2M-1.6%	$18.5M-37.7%	$29.6M
EPS (Diluted)	$2.69+30.6%	$2.06-21.7%	$2.63-5.4%	$2.78+0.4%	$2.77-38.0%	$4.47

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$28.1M-6.4%	$30.1M-1.0%	$30.4M0.0%	$30.4M+4.0%	$29.2M-2.6%	$30.0M0.0%	$30.0M+2.3%	$29.3M
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	$4.3M+14.4%	$3.8M-0.4%	$3.8M-3.9%	$4.0M-5.5%	$4.2M+17.7%	$3.6M+0.5%	$3.5M-0.9%	$3.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$14.8M-5.9%	$15.7M-5.0%	$16.6M+1.4%	$16.4M+0.4%	$16.3M-6.7%	$17.5M-5.8%	$18.5M+3.3%	$17.9M
Income Tax	$868K-21.0%	$1.1M+194.6%	$373K-72.7%	$1.4M+18.8%	$1.1M+53.6%	$748K-30.5%	$1.1M+354.4%	$237K
Net Income	$5.0M-11.8%	$5.7M+143.4%	$2.3M-53.5%	$5.0M+13.7%	$4.4M0.0%	$4.4M+5.4%	$4.2M+148.1%	$1.7M
EPS (Diluted)	$0.77	N/A	$0.36-53.2%	$0.77+13.2%	$0.68	N/A	$0.65+150.0%	$0.26

CFBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.1B+2.5%	$2.1B+0.3%	$2.1B+13.1%	$1.8B+21.7%	$1.5B+1.3%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$259.0M+10.1%	$235.3M-10.1%	$261.6M+72.3%	$151.8M-8.9%	$166.6M-24.8%	$221.6M
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.9B+1.9%	$1.9B-0.3%	$1.9B+13.2%	$1.7B+22.7%	$1.4B+0.3%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$29.5M+21.4%	$24.3M-69.5%	$79.5M
Total Equity	$184.4M+9.5%	$168.4M+8.4%	$155.4M+11.6%	$139.2M+11.1%	$125.3M+13.7%	$110.2M
Retained Earnings	$103.9M+17.7%	$88.3M+15.4%	$76.5M+25.2%	$61.1M+38.6%	$44.1M+66.5%	$26.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.1B+1.3%	$2.1B+0.3%	$2.1B-1.1%	$2.1B+1.9%	$2.1B+1.4%	$2.1B0.0%	$2.1B+1.3%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$267.8M+3.4%	$259.0M-4.9%	$272.4M-1.2%	$275.7M+14.4%	$241.0M+2.4%	$235.3M+0.8%	$233.5M-3.4%	$241.8M
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	$2.0B+1.2%	$1.9B+0.1%	$1.9B-1.3%	$2.0B+1.8%	$1.9B+1.3%	$1.9B-0.3%	$1.9B+1.1%	$1.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$43.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$189.0M+2.5%	$184.4M+2.9%	$179.3M+1.3%	$177.0M+2.5%	$172.7M+2.5%	$168.4M+2.7%	$164.0M+2.8%	$159.6M
Retained Earnings	$108.3M+4.3%	$103.9M+5.3%	$98.7M+1.9%	$96.8M+5.0%	$92.3M+4.5%	$88.3M+4.7%	$84.3M+4.7%	$80.5M

CFBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$18.7M+31.7%	$14.2M-21.4%	$18.1M-54.6%	$39.8M-84.3%	$253.3M+305.2%	-$123.5M
Capital Expenditures	$487K+83.1%	$266K-59.8%	$661K-27.0%	$905K-69.4%	$3.0M+669.4%	$385K
Free Cash Flow	$18.2M+30.7%	$13.9M-19.9%	$17.4M-55.2%	$38.9M-84.5%	$250.3M+302.1%	-$123.8M
Investing Cash Flow	-$25.0M+24.1%	-$33.0M+72.9%	-$121.9M+65.5%	-$353.3M-11.6%	-$316.7M-21.9%	-$259.8M
Financing Cash Flow	$30.1M+499.7%	-$7.5M-103.5%	$213.6M-28.5%	$298.8M+3446.5%	$8.4M-98.5%	$558.9M
Dividends Paid	$1.9M+20.7%	$1.6M+9.3%	$1.5M+28.0%	$1.2M+36.0%	$848K+334.9%	$195K
Share Buybacks	$1.3M+475.3%	$223K+26.0%	$177K-92.4%	$2.3M-21.3%	$3.0M+358.6%	$648K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$4.7M+55.3%	$3.0M-44.4%	$5.5M-31.1%	$8.0M+260.7%	$2.2M-82.5%	$12.6M+1099.4%	-$1.3M-131.8%	$4.0M
Capital Expenditures	$109K+98.2%	$55K-79.1%	$263K+128.7%	$115K+113.0%	$54K-76.2%	$227K+710.7%	$28K+250.0%	$8K
Free Cash Flow	$4.6M+54.5%	$3.0M-42.7%	$5.2M-33.5%	$7.8M+264.4%	$2.2M-82.7%	$12.4M+1060.2%	-$1.3M-132.5%	$4.0M
Investing Cash Flow	-$22.7M-22.1%	-$18.6M-184.8%	$21.9M+503.1%	-$5.4M+76.3%	-$22.9M-304.3%	-$5.7M+79.9%	-$28.3M-1140.7%	$2.7M
Financing Cash Flow	$26.8M+1134.6%	$2.2M+107.1%	-$30.7M-195.5%	$32.2M+21.7%	$26.4M+607.4%	-$5.2M-124.5%	$21.3M+1272.9%	-$1.8M
Dividends Paid	$583K+12.1%	$520K+0.2%	$519K+13.8%	$456K+0.7%	$453K0.0%	$453K+16.8%	$388K+0.3%	$387K
Share Buybacks	N/A	$440K+478.9%	$76K	N/A	N/A	$0	$0-100.0%	$44K

CFBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	14.6%+3.3pp	11.3%-4.3pp	15.6%-11.2pp	26.8%-8.4pp	35.3%-34.6pp	69.8%
Return on Equity	9.5%+1.5pp	8.0%-2.9pp	10.9%-2.2pp	13.1%-1.7pp	14.7%-12.2pp	26.9%
Return on Assets	0.8%+0.2pp	0.7%-0.2pp	0.8%-0.2pp	1.0%-0.2pp	1.2%-0.8pp	2.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.48-0.8	11.26-1.0	12.25+12.0	0.21+0.0	0.19-0.5	0.72
FCF Margin	15.2%+3.4pp	11.8%-4.3pp	16.1%-41.3pp	57.3%-420.9pp	478.2%+770.4pp	-292.2%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	17.9%-1.1pp	18.9%+11.2pp	7.7%-8.9pp	16.6%+1.4pp	15.2%+0.4pp	14.8%+0.8pp	14.0%+8.2pp	5.8%
Return on Equity	2.7%-0.4pp	3.1%+1.8pp	1.3%-1.5pp	2.8%+0.3pp	2.6%-0.1pp	2.6%+0.1pp	2.6%+1.5pp	1.1%
Return on Assets	0.2%-0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.2%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.36-0.1	10.48-0.3	10.77-0.3	11.05-0.1	11.13-0.1	11.26-0.3	11.60-0.2	11.79
FCF Margin	16.4%+6.5pp	10.0%-7.2pp	17.2%-8.6pp	25.8%+18.5pp	7.4%-34.0pp	41.4%+45.7pp	-4.3%-17.9pp	13.6%

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Frequently Asked Questions

What is CF Bankshares Inc's annual revenue?

CF Bankshares Inc (CFBK) reported $120.0M in total revenue for fiscal year 2025. This represents a 1.4% 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 1.4% year-over-year, from $118.4M to $120.0M in fiscal year 2025.

Is CF Bankshares Inc profitable?

Yes, CF Bankshares Inc (CFBK) reported a net income of $17.5M in fiscal year 2025, with a net profit margin of 14.6%.

What is CF Bankshares Inc's net profit margin?

CF Bankshares Inc (CFBK) had a net profit margin of 14.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does CF Bankshares Inc pay dividends?

Yes, CF Bankshares Inc (CFBK) paid $0.30 per share in dividends during fiscal year 2025.

What is CF Bankshares Inc's return on equity (ROE)?

CF Bankshares Inc (CFBK) has a return on equity of 9.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is CF Bankshares Inc's free cash flow?

CF Bankshares Inc (CFBK) generated $18.2M in free cash flow during fiscal year 2025. This represents a 30.7% 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 $18.7M in operating cash flow during fiscal year 2025, 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 2025, including both current and long-term assets.

What are CF Bankshares Inc's capital expenditures?

CF Bankshares Inc (CFBK) invested $487K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does CF Bankshares Inc buy back shares?

Yes, CF Bankshares Inc (CFBK) spent $1.3M on share buybacks during fiscal year 2025, 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 10.48 as of fiscal year 2025, 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 0.8% for fiscal year 2025, 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 to 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 1.07x, 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 22 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.