CF Bankshares Inc. (CFBK)

CF Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	55.02	46.64	47.64	48.79	42.04
Net Interest Income Growth	17.96%	-2.09%	-2.36%	16.06%	51.18%
Non-Interest Income	5.93	5.18	4.03	3.21	11.64
Non-Interest Income Growth	14.53%	28.38%	25.58%	-72.42%	-80.60%
Revenues Before Loan Losses	60.95	51.82	51.67	52	53.68
Provision for Credit Losses	8.25	6.74	2.32	0.79	-1.6
Revenue	52.7	45.08	49.35	51.21	55.28
Revenue Growth (YoY)	16.91%	-8.66%	-3.63%	-7.36%	-28.10%
Compensation Expenses	15.72	14.17	14.51	15.13	16.95
Selling, General & Admin	11.56	10.86	9.62	10.16	12.97
Other Non-Interest Expenses	3.88	3.89	4.21	3.34	2.54
Total Non-Interest Expense	31.18	28.94	28.37	28.62	32.46
Pretax Income	21.53	16.14	20.99	22.59	22.82
Provision for Income Taxes	3.99	2.76	4.05	4.43	4.37
Net Income	17	13.03	16.94	18.16	18.45
Net Income Attributable to Preferred Dividends	-0.54	-0.36	-	-	-
Net Income to Common	17	13.03	16.94	18.16	18.45
Net Income Growth	30.52%	-23.09%	-6.75%	-1.57%	-32.48%
Shares Outstanding (Basic)	6	6	6	6	7
Shares Outstanding (Diluted)	6	6	6	7	7
Shares Change (YoY)	0.36%	-2.15%	-1.34%	-1.73%	8.90%
EPS (Basic)	2.70	2.08	2.64	2.84	2.84
EPS (Diluted)	2.69	2.06	2.63	2.78	2.77
EPS Growth	30.58%	-21.67%	-5.40%	0.36%	-38.03%
Free Cash Flow	8.25	13.92	17.39	38.86	250.34
Free Cash Flow Growth	-40.77%	-19.94%	-55.25%	-84.48%	-
Free Cash Flow Per Share	1.30	2.21	2.70	5.95	37.64
Dividends Per Share	0.300	0.250	0.230	0.180	0.130
Dividend Growth	20.00%	8.70%	27.78%	38.46%	333.33%
Profit Margin	33.28%	29.69%	34.32%	35.47%	33.38%
FCF Margin	15.65%	30.88%	35.24%	75.88%	452.87%
EBITDA	0	0.49	0.57	0.5	0.44
EBITDA Margin	0.00%	1.08%	1.15%	0.97%	0.79%
Effective Tax Rate	18.52%	17.08%	19.29%	19.60%	19.13%

Updated Feb 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q