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Stocks · Financials · National Commercial Banks

CF BANKSHARES INC.

CFBK Clue Score51
United States Fiscal year ends December CIK 0001070680
$33.84 -2.05% Close, 9 Oct 2026
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Price $33.84 +69.96% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income1.6EPS, diluted0.05Fiscal year 2017Net income1.3 −17.3%EPS, diluted0.19Fiscal year 2018Net income4.3 +217.5%EPS, diluted1.00Fiscal year 2019Net income9.6 +124.7%EPS, diluted2.03Fiscal year 2020Net income29.6 +208.4%EPS, diluted4.47Fiscal year 2021Net income18.5 −37.7%EPS, diluted2.77Fiscal year 2022Net income18.2 −1.6%EPS, diluted2.78Fiscal year 2023Net income16.9 −6.8%EPS, diluted2.63Fiscal year 2024Net income13.4 −21.0%EPS, diluted2.06Fiscal year 2025Net income17.5 +31.0%EPS, diluted2.69
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 1.6 1.3 4.3 9.6 29.6 18.5 18.2 16.9 13.4 17.5
Growth −17.3% +217.5% +124.7% +208.4% −37.7% −1.6% −6.8% −21.0% +31.0%
EPS, diluted 0.05 0.19 1.00 2.03 4.47 2.77 2.78 2.63 2.06 2.69

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1.8Capital expenditure−0.0Free cash flow1.7Fiscal year 2017Operating cash flow4.0Capital expenditure−0.3Free cash flow3.6 +108.5%Fiscal year 2018Operating cash flow−11.8Capital expenditure−0.6Free cash flow−12.4 −441.4%Fiscal year 2019Operating cash flow−103.5Capital expenditure−0.4Free cash flow−104.0Fiscal year 2020Operating cash flow−123.5Capital expenditure−0.4Free cash flow−123.9Dividends paid−0.2Fiscal year 2021Operating cash flow253.3Capital expenditure−3.0Free cash flow250.3Dividends paid−0.8Fiscal year 2022Operating cash flow39.8Capital expenditure−0.9Free cash flow38.9 −84.5%Dividends paid−1.2Fiscal year 2023Operating cash flow18.1Capital expenditure−0.7Free cash flow17.4 −55.2%Dividends paid−1.5Fiscal year 2024Operating cash flow14.2Capital expenditure−0.3Free cash flow13.9 −19.9%Dividends paid−1.6Fiscal year 2025Operating cash flow18.7Capital expenditure−0.5Free cash flow18.2 +30.7%Dividends paid−1.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.8 4.0 −11.8 −103.5 −123.5 253.3 39.8 18.1 14.2 18.7
Capital expenditure −0.0 −0.3 −0.6 −0.4 −0.4 −3.0 −0.9 −0.7 −0.3 −0.5
Free cash flow 1.7 3.6 −12.4 −104.0 −123.9 250.3 38.9 17.4 13.9 18.2
Growth +108.5% −441.4% −84.5% −55.2% −19.9% +30.7%
Dividends paid n/a n/a n/a n/a −0.2 −0.8 −1.2 −1.5 −1.6 −1.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash57.9Shareholders’ equity39.3Fiscal year 2017Cash45.5Total debt13.5Net cash (debt)32.0Shareholders’ equity40.3Debt to equity0.34Fiscal year 2018Cash67.3Total debt6.0Net cash (debt)61.3Shareholders’ equity45.6Debt to equity0.13Fiscal year 2019Cash45.9Total debt12.5Net cash (debt)33.4Shareholders’ equity80.7Debt to equity0.16Fiscal year 2020Cash221.6Total debt79.5Net cash (debt)142.1Shareholders’ equity110.2Debt to equity0.72Fiscal year 2021Cash166.6Total debt24.3Net cash (debt)142.3Shareholders’ equity125.3Debt to equity0.19Fiscal year 2022Cash151.8Total debt29.5Net cash (debt)122.3Shareholders’ equity139.2Debt to equity0.21Fiscal year 2023Cash261.6Shareholders’ equity155.4Fiscal year 2024Cash235.3Shareholders’ equity168.4Fiscal year 2025Cash259.0Shareholders’ equity184.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 57.9 45.5 67.3 45.9 221.6 166.6 151.8 261.6 235.3 259.0
Total debt n/a 13.5 6.0 12.5 79.5 24.3 29.5 n/a n/a n/a
Net cash (debt) n/a 32.0 61.3 33.4 142.1 142.3 122.3 n/a n/a n/a
Shareholders’ equity 39.3 40.3 45.6 80.7 110.2 125.3 139.2 155.4 168.4 184.4
Debt to equity n/a 0.34 0.13 0.16 0.72 0.19 0.21 n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
33.2% 61.1% 19.8% 20.3% 18.4% 19.1% 19.6% 19.3% 17.1% 18.5%
Returns
4.1% 3.3% 9.4% 11.9% 26.9% 14.7% 13.0% 10.9% 7.9% 9.5%
0.4% 0.3% 0.6% 1.1% 2.0% 1.2% 1.0% 0.8% 0.6% 0.8%
Balance and payout
n/a 0.34 0.13 0.16 0.72 0.19 0.21 n/a n/a n/a
91.0% 91.6% 93.1% 90.8% 92.5% 91.6% 92.3% 92.5% 91.8% 91.3%
n/a n/a n/a n/a 0.7% 4.6% 6.3% 8.7% 12.1% 11.1%
n/a n/a n/a n/a n/a 0.3% 3.0% 8.5% 11.6% 10.7%