CF Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	55.43	55.02	46.64	47.64	48.79	42.04
Net Interest Income Growth	14.84%	17.96%	-2.09%	-2.36%	16.06%	51.18%
Non-Interest Income	6.21	5.93	5.18	4.03	3.21	11.64
Non-Interest Income Growth	13.37%	14.53%	28.38%	25.58%	-72.42%	-80.60%
Revenues Before Loan Losses	61.64	60.95	51.82	51.67	52	53.68
Provision for Credit Losses	8.27	8.25	6.74	2.32	0.79	-1.6
Revenue	53.37	52.7	45.08	49.35	51.21	55.28
Revenue Growth (YoY)	11.98%	16.91%	-8.66%	-3.63%	-7.36%	-28.10%
Compensation Expenses	15.87	15.72	14.17	14.51	15.13	16.95
Selling, General & Admin	11.88	11.56	10.86	9.62	10.16	12.97
Other Non-Interest Expenses	3.76	3.9	3.91	4.24	3.34	2.54
Total Non-Interest Expense	31.53	31.18	28.94	28.37	28.62	32.46
Pretax Income	21.84	21.53	16.14	20.99	22.59	22.82
Provision for Income Taxes	3.71	3.99	2.76	4.05	4.43	4.37
Net Income	18.14	17.54	13.39	16.94	18.16	18.45
Net Income Attributable to Preferred Dividends	-0.56	-0.54	-0.36	-	-	-
Net Income to Common	17.58	17	13.03	16.94	18.16	18.45
Net Income Growth	22.86%	30.52%	-23.09%	-6.75%	-1.57%	-32.48%
Shares Outstanding (Basic)	6	6	6	6	6	7
Shares Outstanding (Diluted)	6	6	6	6	7	7
Shares Change (YoY)	0.73%	0.36%	-2.15%	-1.34%	-1.73%	8.90%
EPS (Basic)	2.78	2.70	2.08	2.64	2.84	2.84
EPS (Diluted)	2.78	2.69	2.06	2.63	2.78	2.77
EPS Growth	22.47%	30.58%	-21.67%	-5.40%	0.36%	-38.03%
Free Cash Flow	20.67	18.2	13.92	17.39	38.86	250.34
Free Cash Flow Growth	13.56%	30.73%	-19.94%	-55.25%	-84.48%	-
Free Cash Flow Per Share	3.26	2.87	2.21	2.70	5.95	37.64
Dividends Per Share	0.320	0.300	0.250	0.230	0.180	0.130
Dividend Growth	6.67%	20.00%	8.70%	27.78%	38.46%	333.33%
Profit Margin	33.98%	33.28%	29.69%	34.32%	35.47%	33.38%
FCF Margin	38.73%	34.53%	30.88%	35.24%	75.88%	452.87%
Effective Tax Rate	16.96%	18.52%	17.08%	19.29%	19.60%	19.13%

SEC Filings: 10-K · 10-Q