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

Trailing 12 months to June 30, 2026

Revenue $118.6M -0.8% YoY

Net Income $19.0M +4.8% YoY

EPS (Diluted) $2.91 +4.7% YoY

Free Cash Flow $17.9M -15.4% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

CF Bankshares Inc (CFBK) reported $118.6M in revenue over the twelve months to Jun 30, 2026, down 0.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-08-29

CFBK’s balance sheet expands faster than profits, while funding costs and leverage define a low-return, cash-converting financial model.

The FY2021 combination of operating cash flow at $253M and free cash flow at $250M was exceptional relative to reported earnings; by FY2022, both measures moved much closer to net income. That swing suggests the earlier cash result reflected balance-sheet flows rather than a recurring earnings engine.

By FY2025, assets reached $2.1B while return on assets was only 0.8%, showing a balance-sheet-intensive model in which a large asset base produces modest returns. Debt-to-equity declined from 12.2x in FY2023 to 10.5x in FY2025 as equity increased, but leverage remains central to the financing structure.

Net margin recovered from 11.3% in FY2024 to 14.6% in FY2025, yet interest expense was $65.0M against revenue of $120.0M, so the rebound did not come from a light funding-cost structure. Operating cash flow of $18.7M closely matched net income of $17.5M, indicating FY2025 earnings were largely realized in cash.

Financial Health Signals

Financial Health Score 51/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/5

CF Bankshares Inc passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 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.

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%

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

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

Not reported for fiscal year 2025.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

CFBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CFBK quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$118.6M	$120.0M+1.4%	$118.4M+9.3%	$108.3M+59.8%	$67.8M+29.4%	$52.3M+23.5%	$42.4M+20.7%	$35.1M+41.1%	$24.9M+44.6%	$17.2M+19.4%	$14.4M+16.2%	$12.4M+16.9%	$10.6M+41.5%	$7.5M+3.2%	$7.3M-24.7%	$9.7M
SG&A Expenses	$16.2M	$15.7M+10.9%	$14.2M-2.3%	$14.5M-4.0%	$15.1M-10.8%	$16.9M-22.9%	$22.0M+96.8%	$11.2M+36.2%	$8.2M+35.0%	$6.1M+22.3%	$5.0M+4.5%	$4.8M+6.9%	$4.4M+15.5%	$3.8M-1.5%	$3.9M-3.4%	$4.0M
Interest Expense	$62.3M	$65.0M-9.4%	$71.7M+18.3%	$60.6M+219.6%	$19.0M+84.1%	$10.3M-29.3%	$14.6M+8.8%	$13.4M+91.6%	$7.0M+98.0%	$3.5M+14.1%	$3.1M+18.7%	$2.6M+38.1%	$1.9M-10.6%	$2.1M-19.7%	$2.6M-24.3%	$3.5M
Income Tax	$3.7M	$4.0M+44.6%	$2.8M-31.9%	$4.0M-8.6%	$4.4M+1.4%	$4.4M-34.6%	$6.7M+173.6%	$2.4M+130.8%	$1.1M-50.0%	$2.1M+161.1%	$810K+125.4%	-$3.2M	N/A	N/A	N/A	N/A
Net Income	$19.0M	$17.5M+30.6%	$13.4M-20.7%	$16.9M-7.0%	$18.2M-1.6%	$18.5M-37.7%	$29.6M+208.4%	$9.6M+124.7%	$4.3M+217.5%	$1.3M-17.3%	$1.6M-63.7%	$4.5M+834.7%	$479K+152.2%	-$918K+75.6%	-$3.8M+30.6%	-$5.4M
EPS (Diluted)	$2.91	$2.69+30.6%	$2.06-21.7%	$2.63-5.4%	$2.78+0.4%	$2.77-38.0%	$4.47+120.2%	$2.03+103.0%	$1.00	$0.19	$0.05-75.0%	$0.20	$0.00+100.0%	-$0.06-142.9%	$0.14	-$7.09

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$30.0M+6.7%	$28.1M-6.4%	$30.1M-1.0%	$30.4M0.0%	$30.4M+4.0%	$29.2M-2.6%	$30.0M0.0%	$30.0M
SG&A Expenses	$4.3M-0.1%	$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
Interest Expense	$15.2M+2.5%	$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
Income Tax	$1.4M+55.6%	$868K-21.0%	$1.1M+194.6%	$373K-72.7%	$1.4M+18.8%	$1.1M+53.6%	$748K-30.5%	$1.1M
Net Income	$5.9M+17.7%	$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
EPS (Diluted)	$0.90+16.9%	$0.77-12.5%	$0.88+144.4%	$0.36-53.2%	$0.77+13.2%	$0.680.0%	$0.68+4.6%	$0.65

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

CFBK Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CFBK quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$2.1B+2.5%	$2.1B+0.3%	$2.1B+13.1%	$1.8B+21.7%	$1.5B+1.3%	$1.5B+67.7%	$880.5M+32.4%	$665.0M+38.1%	$481.4M+10.4%	$436.1M+24.1%	$351.3M+11.3%	$315.6M+23.4%	$255.7M+18.9%	$215.0M-14.3%	$250.9M
Cash & Equivalents	$259.0M+10.1%	$235.3M-10.1%	$261.6M+72.3%	$151.8M-8.9%	$166.6M-24.8%	$221.6M+383.0%	$45.9M-31.8%	$67.3M+47.9%	$45.5M-21.5%	$57.9M+123.8%	$25.9M-8.2%	$28.2M+47.2%	$19.2M-23.8%	$25.2M-59.1%	$61.4M
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$157.3M
Total Liabilities	$1.9B+1.9%	$1.9B-0.3%	$1.9B+13.2%	$1.7B+22.7%	$1.4B+0.3%	$1.4B+70.9%	$799.9M+29.1%	$619.5M+40.4%	$441.2M+11.2%	$396.8M+26.8%	$313.0M+11.3%	$281.1M+20.7%	$232.9M+21.7%	$191.4M-20.6%	$241.0M
Long-Term Debt	N/A	N/A	N/A	$29.5M+21.4%	$24.3M-69.5%	$79.5M+535.2%	$12.5M+108.6%	$6.0M-55.6%	$13.5M	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$184.4M+9.5%	$168.4M+8.4%	$155.4M+11.6%	$139.2M+11.1%	$125.3M+13.7%	$110.2M+36.6%	$80.7M+77.1%	$45.6M+13.2%	$40.3M+2.5%	$39.3M+2.6%	$38.3M+11.0%	$34.5M+50.9%	$22.9M-3.3%	$23.6M+137.8%	$9.9M
Retained Earnings	$103.9M+17.7%	$88.3M+15.4%	$76.5M+25.2%	$61.1M+38.6%	$44.1M+66.5%	$26.5M+1003.1%	-$2.9M+77.0%	-$12.8M+25.4%	-$17.1M+3.8%	-$17.8M+4.2%	-$18.5M+16.3%	-$22.2M+0.3%	-$22.2M-4.3%	-$21.3M+3.9%	-$22.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.2B+1.1%	$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
Cash & Equivalents	$253.1M-5.5%	$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
Total Liabilities	$2.0B+0.9%	$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
Total Equity	$194.3M+2.8%	$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
Retained Earnings	$113.7M+4.9%	$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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

CFBK Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CFBK quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$18.3M	$18.7M+31.7%	$14.2M-21.4%	$18.1M-54.6%	$39.8M-84.3%	$253.3M+305.2%	-$123.5M-19.2%	-$103.5M-776.7%	-$11.8M-398.9%	$4.0M+120.5%	$1.8M-64.9%	$5.1M+383.6%	$1.1M+125.5%	-$4.1M-330.6%	-$960K-299.6%	$481K
Capital Expenditures	$475K	$487K+83.1%	$266K-59.8%	$661K-27.0%	$905K-69.4%	$3.0M+669.4%	$385K-13.1%	$443K-27.6%	$612K+96.2%	$312K+563.8%	$47K+4.4%	$45K-90.2%	$461K+35.2%	$341K+1320.8%	$24K-65.2%	$69K
Free Cash Flow	$17.9M	$18.2M+30.7%	$13.9M-19.9%	$17.4M-55.2%	$38.9M-84.5%	$250.3M+302.1%	-$123.8M-19.1%	-$104.0M-737.1%	-$12.4M-441.4%	$3.6M+108.5%	$1.7M-65.5%	$5.1M+751.3%	$594K+113.3%	-$4.5M-354.8%	-$984K-338.8%	$412K
Investing Cash Flow	-$56.8M	-$25.0M+24.1%	-$33.0M+72.9%	-$121.9M+65.5%	-$353.3M-11.6%	-$316.7M-21.9%	-$259.8M-133.2%	-$111.4M+22.5%	-$143.8M-142.1%	-$59.4M	N/A	N/A	N/A	-$43.5M-1231.4%	-$3.3M-107.2%	$45.4M
Financing Cash Flow	$15.9M	$30.1M+499.7%	-$7.5M-103.5%	$213.6M-28.5%	$298.8M+3446.5%	$8.4M-98.5%	$558.9M+188.8%	$193.5M+9.1%	$177.4M+312.7%	$43.0M	N/A	N/A	N/A	$41.6M+229.8%	-$32.1M-71.7%	-$18.7M
Dividends Paid	$2.2M	$1.9M+20.7%	$1.6M+9.3%	$1.5M+28.0%	$1.2M+36.0%	$848K+334.9%	$195K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	$1.3M+475.3%	$223K+26.0%	$177K-92.4%	$2.3M-21.3%	$3.0M+358.6%	$648K	N/A	N/A	N/A	$30K	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$5.1M+7.4%	$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
Capital Expenditures	$48K-56.0%	$109K+98.2%	$55K-79.1%	$263K+128.7%	$115K+113.0%	$54K-76.2%	$227K+710.7%	$28K
Free Cash Flow	$5.0M+8.9%	$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
Investing Cash Flow	-$37.4M-64.7%	-$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
Financing Cash Flow	$17.7M-34.0%	$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
Dividends Paid	$586K+0.5%	$583K+12.1%	$520K+0.2%	$519K+13.8%	$456K+0.7%	$453K0.0%	$453K+16.8%	$388K
Share Buybacks	N/A	N/A	$440K+478.9%	$76K	N/A	N/A	$0	$0

CFBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CFBK quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	14.6%+3.3pp	11.3%-4.3pp	15.6%-11.2pp	26.8%-8.4pp	35.3%-34.6pp	69.8%+42.5pp	27.4%+10.2pp	17.2%+9.3pp	7.8%-3.5pp	11.3%-24.8pp	36.1%+31.6pp	4.5%+16.8pp	-12.2%+39.6pp	-51.8%+4.4pp	-56.2%
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%+15.0pp	11.9%+2.5pp	9.4%+6.0pp	3.3%-0.8pp	4.1%-7.6pp	11.7%+10.3pp	1.4%+5.4pp	-4.0%+11.9pp	-15.9%+38.6pp	-54.6%
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%+0.9pp	1.1%+0.4pp	0.6%+0.4pp	0.3%-0.1pp	0.4%-0.9pp	1.3%+1.1pp	0.1%+0.5pp	-0.4%+1.4pp	-1.8%+0.4pp	-2.2%
Debt-to-Equity	10.48-0.8x	11.26-1.0x	12.25+12.0x	0.210.0x	0.19-0.5x	0.72+0.6x	0.160.0x	0.13-0.2x	0.34-9.8x	10.10+1.9x	8.170.0x	8.15-2.0x	10.19+2.1x	8.10-16.1x	24.23
FCF Margin	15.2%+3.4pp	11.8%-4.3pp	16.1%-41.3pp	57.3%	478.2%	-292.2%	-296.2%	-49.9%-71.1pp	21.1%+9.0pp	12.1%-28.7pp	40.8%+35.2pp	5.6%+65.3pp	-59.7%-46.1pp	-13.5%-17.8pp	4.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	19.7%+1.8pp	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%
Return on Equity	3.0%+0.4pp	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%
Return on Assets	0.3%0.0pp	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%
Debt-to-Equity	10.16-0.2x	10.36-0.1x	10.48-0.3x	10.77-0.3x	11.05-0.1x	11.13-0.1x	11.26-0.3x	11.60
FCF Margin	16.8%+0.3pp	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%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.