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. (CFBK) Financials

CFBK

Trailing 12 months to June 30, 2026

Revenue $62.6M +10.3% YoY

Net Income $19.0M +4.8% YoY

EPS (Diluted) $2.91 +4.7% YoY

Free Cash Flow $17.9M -15.4% YoY

Market Cap $217.9M as of Oct 16, 2026

Price / Sales 3.5x on $62.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.5x on $19.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $194.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFBK SEC filings page.

CF Bankshares Inc. (CFBK) reported $62.6M in revenue over the twelve months to Jun 30, 2026, up 10.3% 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 2026-10-04

The business earns more as its balance sheet expands, while modest asset returns and heavy liabilities shape the economics.

In FY2025, operating cash flow of $18.7M exceeded net income of $17.5M, indicating accounting profit converted into cash. Free cash flow of $18.2M stayed close to operating cash flow, so capital spending consumed little of that cash.

Assets expanded to $2.1B while revenue was only $61.0M in FY2025, making asset productivity—not sales margin—the more informative lens. ROA was 0.8% versus ROE of 9.5%, showing leverage magnifies equity returns despite low earnings per asset dollar. The FY2025 earnings rebound did not change the underlying asset-heavy model.

Liabilities of $1.9B outweighed equity of $184M in FY2025, indicating a liability-funded structure rather than an asset-light operation. Debt-to-equity was 10.5x, down from 11.3x in FY2024, so leverage eased but remained structurally high.

Financial Health Signals

Financial Health Score 50/100

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

CF Bankshares Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and CF Bankshares Inc. scores 41/100 among other banks.

Growth

CF Bankshares Inc. reported revenue of $61.0M in fiscal year 2025, against $51.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CF Bankshares Inc. scores 54/100 among other banks.

Capital

CF Bankshares Inc. funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $184.4M of equity against $2.1B of assets. Capital ranks banks on that cushion, and CF Bankshares Inc. scores 15/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CF Bankshares Inc. scores 84/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. CF Bankshares Inc. scores 22/100 on it among other banks.

Stability

CF Bankshares Inc. reported net income of $17.5M in fiscal year 2025, against $13.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CF Bankshares Inc. scores 86/100 among other banks.

Piotroski F-Score Partial

5/5

CF Bankshares Inc. passes 5 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), both operating efficiency signals pass.

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

$16.5M

YoY+6.2%

QoQ+11.7%

5Y CAGR+6.7%

10Y CAGR+18.1%

CF Bankshares Inc. generated $16.5M in revenue in Q2 2026. This represents an increase of 6.2% from the same quarter a year earlier. Against the prior quarter it is up 11.7%.

Net Income

$5.9M

YoY+17.4%

QoQ+17.7%

5Y CAGR+11.1%

10Y CAGR+30.2%

CF Bankshares Inc. reported $5.9M in net income in Q2 2026. This represents an increase of 17.4% from the same quarter a year earlier. Against the prior quarter it is up 17.7%.

EPS (Diluted)

$0.90

YoY+16.9%

QoQ+16.9%

5Y CAGR+11.6%

10Y CAGR+56.8%

CF Bankshares Inc. earned $0.90 per diluted share (EPS) in Q2 2026. This represents an increase of 16.9% from the same quarter a year earlier. Against the prior quarter it is up 16.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$5.0M

YoY-35.8%

QoQ+8.9%

5Y CAGR-52.0%

CF Bankshares Inc. generated $5.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 35.8% from the same quarter a year earlier. Against the prior quarter it is up 8.9%.

Cash & Debt

$253.1M

YoY-8.2%

QoQ-5.5%

5Y CAGR+13.5%

10Y CAGR+34.6%

CF Bankshares Inc. held $253.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.09

YoY+28.6%

QoQ0.0%

5Y CAGR+24.6%

CF Bankshares Inc. paid $0.09 per share in dividends in Q2 2026. This represents an increase of 28.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

Diluted avg 6M

CF Bankshares Inc. had a weighted average of 6M diluted shares in Q2 2026; the shares outstanding count is not reported for that period.

Margins & Returns

Net Margin

35.7%

YoY+3.4pp

QoQ+1.8pp

5Y change+6.6pp

10Y change+22.2pp

CF Bankshares Inc.'s net profit margin was 35.7% in Q2 2026, showing the share of revenue converted to profit. This is up 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.

Return on Equity

3.0%

YoY+0.2pp

QoQ+0.4pp

5Y change+0.1pp

10Y change+1.9pp

CF Bankshares Inc.'s ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$48K

YoY-58.3%

QoQ-56.0%

5Y CAGR-36.7%

10Y CAGR+8.1%

CF Bankshares Inc. invested $48K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 58.3% from the same quarter a year earlier. Against the prior quarter it is down 56.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CFBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$62.6M	$61.0M+17.6%	$51.8M+0.3%	$51.7M-0.6%	$52.0M-3.1%	$53.7M-38.9%	$87.8M+162.7%	$33.4M+62.2%	$20.6M+42.9%	$14.4M+15.4%	$12.5M+12.1%	$11.1M+9.1%	$10.2M+40.3%	$7.3M+29.1%	$5.6M-22.8%	$7.3M
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 (Basic)	N/A	$2.70+29.8%	$2.08-21.2%	$2.64-7.0%	$2.840.0%	$2.84-37.3%	$4.53+121.0%	$2.05+101.0%	$1.02+385.7%	$0.21+320.0%	$0.05-78.3%	$0.23	$0.00+100.0%	-$0.06-142.9%	$0.14+102.0%	-$7.09
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
Diluted Shares (Avg)	N/A	6M+0.4%	6M-2.1%	6M-1.3%	7M-1.7%	7M+8.9%	6M+31.9%	5M+6.6%	4M	4M	16M-29.3%	23M+43.3%	16M+0.2%	16M+150.5%	6M	820,575

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$16.5M+6.2%	$14.8M+4.9%	$15.7M+12.6%	$15.5M+18.7%	$15.6M+23.8%	$14.1M+15.8%	$14.0M+9.3%	$13.1M+0.8%
SG&A Expenses	$4.3M+9.4%	$4.3M+3.5%	$3.8M+6.4%	$3.8M+7.4%	$4.0M+10.8%	$4.2M+19.2%	$3.6M+6.8%	$3.5M+3.5%
Interest Expense	$15.2M-7.2%	$14.8M-9.1%	$15.7M-9.8%	$16.6M-10.6%	$16.4M-8.9%	$16.3M-8.5%	$17.5M-2.8%	$18.5M+12.3%
Income Tax	$1.4M-1.0%	$868K-24.5%	$1.1M+46.9%	$373K-65.4%	$1.4M+475.9%	$1.1M+65.3%	$748K-19.7%	$1.1M+9.5%
Net Income	$5.9M+17.4%	$5.0M+13.4%	$5.7M+28.6%	$2.3M-44.4%	$5.0M+197.1%	$4.4M+44.3%	$4.4M+5.5%	$4.2M+4.3%
EPS (Basic)	$0.91+18.2%	$0.77+13.2%	$0.88+27.5%	$0.36-44.6%	$0.77+196.2%	$0.68+41.7%	$0.69+4.5%	$0.65+3.2%
EPS (Diluted)	$0.90+16.9%	$0.77+13.2%	$0.88+29.4%	$0.36-44.6%	$0.77+196.2%	$0.68+44.7%	$0.68+3.0%	$0.65+4.8%
Diluted Shares (Avg)	6M+0.3%	6M+0.4%	N/A	6M+0.8%	6M+1.4%	6M-1.1%	N/A	6M-2.5%

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

CFBK Balance Sheet

CFBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.2B+1.7%	$2.1B+2.4%	$2.1B+2.5%	$2.1B+2.2%	$2.1B+4.6%	$2.1B+2.7%	$2.1B+0.3%	$2.1B+3.7%
Cash & Equivalents	$253.1M-8.2%	$267.8M+11.1%	$259.0M+10.1%	$272.4M+16.6%	$275.7M+14.0%	$241.0M+1.7%	$235.3M-10.1%	$233.5M+1.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$2.0B+1.0%	$2.0B+1.8%	$1.9B+1.9%	$1.9B+1.5%	$2.0B+4.0%	$1.9B+2.2%	$1.9B-0.3%	$1.9B+3.3%
Total Equity	$194.3M+9.8%	$189.0M+9.4%	$184.4M+9.5%	$179.3M+9.3%	$177.0M+10.9%	$172.7M+9.3%	$168.4M+8.4%	$164.0M+8.4%
Retained Earnings	$113.7M+17.4%	$108.3M+17.4%	$103.9M+17.7%	$98.7M+17.0%	$96.8M+20.3%	$92.3M+16.5%	$88.3M+15.4%	$84.3M+16.0%

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

CFBK Cash Flow Statement

CFBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$476K-12.2%	$542K-13.6%	$627K-41.2%	$1.1M+135.8%	$452K+18.6%	$381K+20.6%	$316K+27.4%	$248K+19.2%	$208K-1.4%	$211K0.0%	$211K-9.1%	$232K-8.7%	$254K-8.3%	$277K-34.7%	$424K
Stock-Based Compensation	N/A	$1.4M+20.7%	$1.2M-1.5%	$1.2M+30.4%	$899K+27.2%	$707K-0.6%	$711K+34.9%	$527K+40.2%	$376K+52.8%	$246K+101.6%	$122K-9.0%	$134K-49.4%	$265K+66.7%	$159K+1345.5%	$11K-72.5%	$40K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$5.1M-36.2%	$4.7M+114.4%	$3.0M-75.9%	$5.5M+533.5%	$8.0M+99.8%	$2.2M+290.0%	$12.6M+58.3%	-$1.3M-151.6%
Depreciation & Amortization	$118K0.0%	$123K+4.2%	$124K+7.8%	$116K-2.5%	$118K-3.3%	$118K-9.2%	$115K-18.4%	$119K-17.9%
Stock-Based Compensation	$483K+20.4%	$366K+20.8%	N/A	$370K+13.5%	$401K+41.7%	$303K+30.0%	N/A	$326K+10.9%
Capital Expenditures	$48K-58.3%	$109K+101.9%	$55K-75.8%	$263K+839.3%	$115K+1337.5%	$54K+1700.0%	$227K+1646.2%	$28K
Free Cash Flow	$5.0M-35.8%	$4.6M+114.7%	$3.0M-75.9%	$5.2M+503.8%	$7.8M+97.4%	$2.2M+284.9%	$12.4M+55.7%	-$1.3M-152.7%
Investing Cash Flow	-$37.4M-587.6%	-$22.7M+0.9%	-$18.6M-228.1%	$21.9M+177.6%	-$5.4M-300.4%	-$22.9M-1186.6%	-$5.7M+83.9%	-$28.3M+0.8%
Financing Cash Flow	$17.7M-45.1%	$26.8M+1.3%	$2.2M+141.6%	-$30.7M-244.5%	$32.2M+1875.2%	$26.4M+221.5%	-$5.2M-108.8%	$21.3M-12.1%
Dividends Paid	$586K+28.5%	$583K+28.7%	$520K+14.8%	$519K+33.8%	$456K+17.8%	$453K+17.4%	$453K+17.4%	$388K+0.8%
Share Buybacks	N/A	N/A	$440K	$76K	N/A	N/A	$0	$0

CFBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	28.7%+2.9pp	25.9%-6.9pp	32.7%-2.2pp	34.9%+0.6pp	34.4%+0.7pp	33.7%+5.0pp	28.7%+8.0pp	20.7%+11.4pp	9.3%-3.7pp	13.0%-27.1pp	40.2%+35.5pp	4.7%+17.3pp	-12.6%+54.2pp	-66.8%+7.5pp	-74.3%
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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.060.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	29.9%+3.0pp	26.9%-6.8pp	33.7%-41.1pp	74.7%	478.2%	-141.1%	-296.2%	-60.3%-85.5pp	25.2%+11.3pp	14.0%-31.4pp	45.4%+39.5pp	5.8%+67.3pp	-61.5%-44.0pp	-17.4%-23.1pp	5.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	35.7%+3.4pp	33.9%+2.5pp	36.2%+4.5pp	15.1%-17.1pp	32.3%+18.8pp	31.4%+6.2pp	31.7%-1.1pp	32.2%+1.1pp
Return on Equity	3.0%+0.2pp	2.7%+0.1pp	3.1%+0.5pp	1.3%-1.3pp	2.8%+1.8pp	2.6%+0.6pp	2.6%-0.1pp	2.6%-0.1pp
Return on Assets	0.3%0.0pp	0.2%0.0pp	0.3%+0.1pp	0.1%-0.1pp	0.2%+0.2pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	10.16-0.9x	10.36-0.8x	10.48-0.8x	10.77-0.8x	11.05-0.7x	11.13-0.8x	11.26-1.0x	11.60-0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	30.4%-19.9pp	31.2%+16.0pp	19.0%-69.8pp	33.6%+43.5pp	50.3%+18.8pp	15.3%+24.8pp	88.8%+26.4pp	-9.9%-28.8pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CF Bankshares Inc. CFBK	FY2025	$61.0M	$17.5M	28.7%	$217.9M	50/100
MainStreet Bancshares, Inc. MNSB	FY2025	$135.6M	$15.6M	11.5%	$173.5M	49/100
CB Financial Services, Inc. (PA) CBFV	FY2025	$43.5M	$4.9M	11.3%	$191.6M	22/100
Hanover Bancorp, Inc. HNVR	FY2025	$73.3M	$7.5M	10.2%	$172.5M	29/100
Landmark Bancorp Inc LARK	FY2025	$70.6M	$19K	0.0%	$192.4M	34/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$220.0M	33/100

Where CF Bankshares Inc. Ranks

Frequently Asked Questions

What is CF Bankshares Inc.'s annual revenue?

CF Bankshares Inc. (CFBK) reported $61.0M in total revenue for fiscal year 2025. This represents a 17.6% 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 17.6% year-over-year, from $51.8M to $61.0M 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 28.7%.

What is CF Bankshares Inc.'s net profit margin?

CF Bankshares Inc. (CFBK) had a net profit margin of 28.7% 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 P/E ratio?

CF Bankshares Inc. (CFBK) trades at 11.5x earnings, its market capitalization divided by net income of $19.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $217.9M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CF Bankshares Inc.'s price-to-sales ratio?

CF Bankshares Inc. (CFBK) trades at 3.5x sales, its market capitalization divided by revenue of $62.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $217.9M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CF Bankshares Inc.'s Piotroski F-Score?

CF Bankshares Inc. (CFBK) has a Piotroski F-Score of 5 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 50 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.