CF Bankshares (CFBK) financial statements
CF Bankshares reported revenue of $61M in fiscal 2025, up 19.3% a year over 9 years.
Net income was $18M.
Free cash flow was $18M, and the company returned $2M in dividends.
The diluted share count fell 61% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from CF Bankshares's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12M | $14M | $21M | $33M | $88M | $54M | $52M | $52M | $52M | $61M |
| Interest expense | $3M | $4M | $7M | $13M | $15M | $10M | $19M | $61M | — | — |
| Pre-tax income | $2M | $3M | $5M | $12M | $36M | $23M | $23M | $21M | $16M | $22M |
| Income tax | $810,000 | $2M | $1M | $2M | $7M | $4M | $4M | $4M | $3M | $4M |
| Net income | $2M | $1M | $4M | $10M | $30M | $18M | $18M | $17M | $13M | $18M |
| EPS (diluted) | $0.05 | $0.19 | $1.00 | $2.03 | $4.47 | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Diluted shares | 16M | 4M | 4M | 5M | 6M | 7M | 7M | 6M | 6M | 6M |
| Net margin | 13.0% | 9.3% | 20.7% | 28.7% | 33.7% | 34.4% | 34.9% | 32.8% | 25.8% | 28.8% |
Balance sheet
Fiscal years, from CF Bankshares's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $58M | $45M | $67M | $46M | $222M | $167M | $152M | $262M | $235M | $259M |
| Property, plant and equipment | $3M | $4M | $4M | $4M | $4M | $6M | $4M | $4M | $4M | $4M |
| Total assets | $436M | $481M | $665M | $881M | $1.5B | $1.5B | $1.8B | $2.1B | $2.1B | $2.1B |
| Long-term debt | $0 | — | — | — | — | — | — | — | — | — |
| Total liabilities | $397M | $441M | $619M | $800M | $1.4B | $1.4B | $1.7B | $1.9B | $1.9B | $1.9B |
| Shareholders' equity | $39M | $40M | $46M | $81M | $110M | $125M | $139M | $155M | $168M | $184M |
| Net debt | -$58M | -$45M | -$67M | -$46M | -$222M | -$167M | -$152M | -$262M | -$235M | -$259M |
Cash flow
Fiscal years, from CF Bankshares's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2M | $4M | -$12M | -$104M | -$123M | $253M | $40M | $18M | $14M | $19M |
| Capital spending | $47,000 | $312,000 | $612,000 | $443,000 | $385,000 | $3M | $905,000 | $661,000 | $266,000 | $487,000 |
| Free cash flow | $2M | $4M | -$12M | -$104M | -$124M | $250M | $39M | $17M | $14M | $18M |
| Stock-based compensation | $122,000 | $246,000 | $376,000 | $527,000 | $711,000 | $707,000 | $899,000 | $1M | $1M | $1M |
| Dividends paid | — | — | — | — | $195,000 | $848,000 | $1M | $1M | $2M | $2M |
| Free cash flow margin | 14.0% | 25.2% | -60.3% | -311.1% | -141.1% | 466.4% | 74.7% | 33.7% | 26.9% | 29.9% |
| Dividends per share | — | — | — | — | $0.03 | $0.13 | $0.18 | $0.23 | $0.26 | $0.31 |
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Open CFBK in InvestinglyQuestions
What was CF Bankshares's revenue in 2025?
$61M in fiscal 2025, from its 10-K filing.
How much free cash flow does CF Bankshares generate?
$18M in fiscal 2025 (operating cash flow minus capital spending).
From CF Bankshares's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.