CF Bankshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	16.22	13.39	16.94	18.16	18.45	29.61
Depreciation & Amortization	0.47	0.49	0.57	0.5	0.44	0.38
Provision for Credit Losses	8.46	6.74	2.32	0.79	-1.6	10.92
Stock-Based Compensation	1.39	1.16	1.17	0.9	0.71	0.71
Net Change in Loans Held-for-Sale	3.43	-0.34	-1.15	26.49	244.48	-98.33
Other Adjustments	-3.57	-3.22	-1.31	-1.53	-11.88	-52.8
Changes in Accrued Interest and Accounts Receivable	3.85	3.52	-2.68	-6.48	17.88	-18.45
Changes in Accounts Payable	-2.03	-7.6	2.19	1.06	-15.14	-0.43
Changes in Other Operating Activities	0.06	0.06	0	-0.03	-0.04	0.39
Operating Cash Flow	28.28	14.19	18.05	39.76	253.3	-123.47
Operating Cash Flow Growth	196.51%	-21.39%	-54.61%	-84.30%	-	-
Net Change in Loans Held-for-Investment	-6.84	-32.93	-123.02	-355.89	-296.55	-239.66
Net Change in Securities and Investments	8.64	-0.38	0.27	2.89	-11.01	-8.3
Capital Expenditures	-0.66	-0.27	-0.66	-0.91	-2.96	-0.39
Sale of Property, Plant & Equipment	-	-	-	-	0.37	-
Other Investing Activities	0.57	0.58	1.55	0.58	-6.58	-11.41
Investing Cash Flow	-12.11	-32.99	-121.85	-353.32	-316.73	-259.75
Net Change in Deposits	33.03	11.74	216.14	281.57	135.18	366.75
Short-Term Debt Issued	-	-	-	-	-70.01	70.01
Net Short-Term Debt Issued (Repaid)	-	-	-	-	-70.01	70.01
Long-Term Debt Issued	10.13	27.15	37.08	40.15	174.28	575.14
Long-Term Debt Repaid	-17.88	-44.5	-36.58	-20.45	-228.96	-452.22
Net Long-Term Debt Issued (Repaid)	-7.75	-17.35	0.5	19.7	-54.69	122.91
Issuance of Common Stock	-	-	0.08	0.39	0.19	0.04
Repurchase of Common Stock	-0.99	-0.35	-0.3	-2.51	-3.11	-0.68
Net Common Stock Issued (Repurchased)	-0.99	-0.35	-0.22	-2.13	-2.93	-0.64
Common Dividends Paid	-1.88	-1.61	-1.48	-1.15	-0.85	-0.2
Other Financing Activities	0.27	0.06	-1.33	0.76	1.72	0.1
Financing Cash Flow	19.8	-7.52	213.61	298.75	8.42	558.93
Net Cash Flow	38.84	-26.32	109.81	-14.8	-55	175.72
Free Cash Flow	27.62	13.92	17.39	38.86	250.34	-123.85
Free Cash Flow Growth	98.35%	-19.94%	-55.25%	-84.48%	-	-
FCF Margin	54.44%	30.88%	35.24%	75.88%	452.87%	-161.08%
Free Cash Flow Per Share	4.37	2.21	2.70	5.95	37.64	-20.28
Levered Free Cash Flow	9.69	-8.12	16.86	32.01	-106.07	201.76
Unlevered Free Cash Flow	1.69	-3.8	-0.58	-5.85	0.18	-18.49

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

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