CF Bankshares Inc. (CFBK)

CF Bankshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	108.28	106.75	97.38	63.72	51.26	41.85
Interest Income on Investments	11.64	11.64	10.9	4.05	1.09	0.54
Total Interest Income	119.92	118.39	108.28	67.76	52.35	42.39
Interest Paid on Deposits	62.1	67.16	56.36	15.95	8.01	11.91
Interest Paid on Borrowings	4.59	4.59	4.28	3.02	2.3	2.67
Total Interest Expense	66.69	71.75	60.64	18.97	10.31	14.58
Net Interest Income	53.23	46.64	47.64	48.79	42.04	27.81
Net Interest Income Growth (YoY)	16.06%	-2.09%	-2.36%	16.06%	51.18%	28.15%
Gain (Loss) on Sale of Assets	-	-	-	-	1.89	-
Gain (Loss) on Sale of Investments	-0.1	-	-	-	-	-
Other Non-Interest Income	2.56	1.99	2.28	1.07	1.54	0.99
Total Non-Interest Income	5.95	5.18	4.03	3.21	11.64	59.99
Non-Interest Income Growth (YoY)	24.95%	28.38%	25.58%	-72.42%	-80.60%	411.89%
Revenues Before Loan Losses	59.18	51.82	51.67	52	53.68	87.8
Provision for Loan Losses	8.46	6.74	2.32	0.79	-1.6	10.92
Revenue	50.72	45.08	49.35	51.21	55.28	76.89
Revenue Growth (YoY)	14.25%	-8.66%	-3.63%	-7.36%	-28.10%	130.06%
Salaries and Employee Benefits	14.34	13.02	13.34	14.23	16.24	21.28
Occupancy Expenses	0.64	0.74	0.89	0.88	0.8	0.82
Federal Deposit Insurance	2.04	2.08	2.22	1.13	1.24	0.59
Selling, General & Administrative	10.15	9.09	8.58	8.83	11.99	14.89
Other Non-Interest Expense	3.64	3.96	3.28	2.99	2.18	3.03
Total Non-Interest Expense	30.81	28.88	28.31	28.05	32.44	40.6
EBT Excluding Unusual Items	19.91	16.2	21.05	23.16	22.84	36.28
Asset Writedown	-0.06	-0.06	-0.06	-0.57	-0.02	-
Pretax Income	19.86	16.14	20.99	22.59	22.82	36.28
Income Tax Expense	3.64	2.76	4.05	4.43	4.37	6.68
Net Income	16.22	13.39	16.94	18.16	18.45	29.61
Preferred Dividends & Other Adjustments	0.47	0.36	-	-	-	2.28
Net Income to Common	15.75	13.03	16.94	18.16	18.45	27.33
Net Income Growth	22.85%	-20.96%	-6.75%	-1.57%	-37.68%	208.38%
Basic Shares Outstanding	6	6	6	6	7	6
Diluted Shares Outstanding	6	6	6	7	7	6
Shares Change (YoY)	-0.28%	-2.15%	-1.34%	-1.73%	8.90%	31.94%
EPS (Basic)	2.51	2.08	2.64	2.84	2.84	4.53
EPS (Diluted)	2.49	2.06	2.63	2.78	2.77	4.47
EPS Growth	21.79%	-21.67%	-5.40%	0.36%	-38.03%	120.20%
Dividend Per Share	0.290	0.250	0.230	0.180	0.130	0.030
Dividend Growth	20.83%	8.70%	27.78%	38.46%	333.33%	-
Effective Tax Rate	18.31%	17.08%	19.29%	19.60%	19.13%	18.40%

Updated Nov 3, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q