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 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 Income	18.14	17.54	13.39	16.94	18.16	18.45
Depreciation & Amortization	0.48	0.48	0.49	0.57	0.5	0.44
Provision for Credit Losses	8.27	8.25	6.74	2.32	0.79	-1.6
Stock-Based Compensation	1.46	1.39	1.16	1.17	0.9	0.71
Net Change in Loans Held-for-Sale	0.45	-2.27	-0.34	-1.15	26.49	244.48
Other Adjustments	-4.3	-3.78	-3.22	-1.31	-1.53	-11.88
Changes in Accrued Interest and Accounts Receivable	2.59	1.47	3.52	-2.68	-6.48	17.88
Changes in Accounts Payable	-5.92	-4.45	-7.6	2.19	1.06	-15.14
Changes in Other Operating Activities	0.05	0.06	0.06	0	-0.03	-0.04
Operating Cash Flow	21.21	18.69	14.19	18.05	39.76	253.3
Operating Cash Flow Growth	20.82%	31.71%	-21.39%	-54.61%	-84.30%	-
Net Change in Loans Held-for-Investment	-16.65	-22.8	-32.93	-123.02	-355.89	-296.55
Net Change in Securities and Investments	-8.01	-2.76	-0.38	0.27	2.89	-11.01
Capital Expenditures	-0.54	-0.49	-0.27	-0.66	-0.91	-2.96
Sale of Property, Plant & Equipment	-	-	-	-	-	0.37
Other Investing Activities	0.36	1	0.58	1.55	0.58	-6.58
Investing Cash Flow	-24.83	-25.04	-32.99	-121.85	-353.32	-316.73
Net Change in Deposits	25.75	24.89	11.74	216.14	281.57	135.18
Short-Term Debt Issued	-	-	-	-	-	-70.01
Net Short-Term Debt Issued (Repaid)	-	-	-	-	-	-70.01
Long-Term Debt Issued	10.23	10.21	27.15	37.08	40.15	174.28
Long-Term Debt Repaid	-1.97	-1.95	-44.5	-36.58	-20.45	-228.96
Net Long-Term Debt Issued (Repaid)	8.25	8.25	-17.35	0.5	19.7	-54.69
Issuance of Common Stock	-	-	-	0.08	0.39	0.19
Repurchase of Common Stock	-1.09	-1.43	-0.35	-0.3	-2.51	-3.11
Net Common Stock Issued (Repurchased)	-1.09	-1.43	-0.35	-0.22	-2.13	-2.93
Common Dividends Paid	-2.08	-1.95	-1.61	-1.48	-1.15	-0.85
Other Financing Activities	-0.05	0.29	0.06	-1.33	0.76	1.72
Financing Cash Flow	30.4	30.05	-7.52	213.61	298.75	8.42
Net Cash Flow	26.77	23.7	-26.32	109.81	-14.8	-55
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%	-
FCF Margin	38.73%	34.53%	30.88%	35.24%	75.88%	452.87%
Free Cash Flow Per Share	3.26	2.87	2.21	2.70	5.95	37.64
Levered Free Cash Flow	22.49	22.32	-8.12	16.86	32.01	-106.07
Unlevered Free Cash Flow	-3.34	-2.93	-3.8	-0.58	-5.85	0.18

Updated May 11, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q