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	Jun '26 Jun 30, 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
Interest Income on Loans	107.88	109.28	106.75	97.38	63.72	51.26
Interest Income on Investments	10.71	10.71	11.64	10.9	4.05	1.09
Total Interest Income	118.59	120	118.39	108.28	67.76	52.35
Interest Paid on Deposits	56.88	60.02	67.16	56.36	15.95	8.01
Interest Paid on Borrowings	5.43	4.95	4.59	4.28	3.02	2.3
Total Interest Expense	62.31	64.97	71.75	60.64	18.97	10.31
Net Interest Income	56.28	55.02	46.64	47.64	48.79	42.04
Net Interest Income Growth	10.56%	17.96%	-2.09%	-2.36%	16.06%	51.18%
Gain (Loss) on Sale of Assets	-	-	-	-	-	1.89
Gain (Loss) on Sale of Investments	-	-0.1	-	-	-	-
Other Non-Interest Income	2.39	2.46	1.99	2.28	1.07	1.54
Total Non-Interest Income	6.33	5.93	5.18	4.03	3.21	11.64
Non-Interest Income Growth	8.41%	14.53%	28.38%	25.58%	-72.42%	-80.60%
Revenues Before Loan Losses	62.61	60.95	51.82	51.67	52	53.68
Provision for Loan Losses	7.79	8.25	6.74	2.32	0.79	-1.6
Revenue	54.82	52.7	45.08	49.35	51.21	55.28
Revenue Growth	3.84%	16.91%	-8.66%	-3.63%	-7.36%	-28.10%
Salaries and Employee Benefits	14.7	14.33	13.02	13.34	14.23	16.24
Occupancy Expenses	0.77	0.79	0.74	0.89	0.88	0.8
Federal Deposit Insurance	1.8	2.06	2.08	2.22	1.13	1.24
Selling, General & Administrative	10.94	10.32	9.09	8.58	8.83	11.99
Other Non-Interest Expense	3.89	3.67	3.96	3.28	2.99	2.18
Total Non-Interest Expense	32.12	31.18	28.88	28.31	28.05	32.44
EBT Excluding Unusual Items	22.7	21.53	16.2	21.05	23.16	22.84
Asset Writedown	-	-	-0.06	-0.06	-0.57	-0.02
Pretax Income	22.7	21.53	16.14	20.99	22.59	22.82
Income Tax Expense	3.69	3.99	2.76	4.05	4.43	4.37
Net Income	19.01	17.54	13.39	16.94	18.16	18.45
Preferred Dividends & Other Adjustments	0.59	0.54	0.36	-	-	-
Net Income to Common	18.43	17	13.03	16.94	18.16	18.45
Net Income Growth	4.97%	30.52%	-23.09%	-6.75%	-1.57%	-32.48%
Basic Shares Outstanding	6	6	6	6	6	7
Diluted Shares Outstanding	6	6	6	6	7	7
Shares Change	0.46%	0.36%	-2.15%	-1.34%	-1.73%	8.90%
EPS (Basic)	2.93	2.70	2.08	2.64	2.84	2.84
EPS (Diluted)	2.91	2.69	2.06	2.63	2.78	2.77
EPS Growth	5.06%	30.58%	-21.67%	-5.40%	0.36%	-38.03%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.340	0.300	0.250	0.230	0.180	0.130
Dividend Growth	25.93%	20.00%	8.70%	27.78%	38.46%	333.33%
Effective Tax Rate	16.26%	18.52%	17.08%	19.29%	19.60%	19.13%

SEC Filings: 10-K · 10-Q