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CFBK

CF Bankshares Inc.

CFBK

CF Bankshares Inc. • NASDAQ
$23.91 ▲ 0.13% (+0.03)
Market Cap $154.07 M
52w High $29.51
52w Low $19.22
Dividend Yield 0.32%
P/E 9.6
Volume 6.66K
Outstanding Shares 6.44M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $31.886M ▲ $7.525M ▼ $2.34M ▼ 7.339% ▼ $0.36 ▼ $2.829M ▼
Q2-2025 $31.743M ▲ $7.558M ▼ $4.88M ▲ 15.373% ▲ $0.77 ▲ $6.518M ▲
Q1-2025 $30.081M ▼ $7.629M ▲ $4.43M ▲ 14.727% ▲ $0.68 ▼ $5.697M ▲
Q4-2024 $30.977M ▼ $6.972M ▼ $4.417M ▲ 14.259% ▲ $0.69 ▲ $5.28M ▼
Q3-2024 $31.369M $6.993M $4.205M 13.405% $0.65 $5.401M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $276.78M ▲ $2.134B ▲ $1.957B ▲ $177.023M ▲
Q1-2025 $242.079M ▼ $2.095B ▲ $1.922B ▲ $172.682M ▲
Q4-2024 $244.055M ▲ $2.066B ▼ $1.897B ▼ $168.437M ▲
Q3-2024 $242.31M ▼ $2.066B ▲ $1.902B ▲ $164.003M ▲
Q2-2024 $250.198M $2.041B $1.881B $159.59M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $5.035M ▲ $7.956M ▲ $-5.442M ▲ $32.184M ▲ $34.698M ▲ $7.841M ▲
Q1-2025 $4.43M ▲ $2.206M ▼ $-22.928M ▼ $26.436M ▲ $5.714M ▲ $2.152M ▼
Q4-2024 $4.417M ▲ $12.633M ▲ $-5.671M ▲ $-5.21M ▼ $1.752M ▲ $12.406M ▲
Q3-2024 $4.205M ▲ $-1.264M ▼ $-28.256M ▼ $21.265M ▲ $-8.255M ▼ $-1.292M ▼
Q2-2024 $1.695M $3.981M $2.715M $-1.813M $4.883M $3.973M

Five-Year Company Overview

Income Statement

Income Statement The bank’s income statement shows steady growth in overall revenue over the past few years, but profits have softened more recently. Earnings were stronger earlier in the period and have drifted down, which suggests pressure on margins, likely from higher funding costs, competitive loan pricing, or mix changes in business. The bank is still profitable, but it is earning less per share than a few years ago, indicating that growth in activity has not fully translated into growth in bottom‑line profit. Overall, this looks like a business that is growing its top line but facing a tougher profitability environment than in the past.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, with total assets rising at a healthy pace. Cash levels appear solid for a bank of this size, and the use of debt funding has come down compared with earlier in the period, which points to a more conservative funding mix. Equity has been building over time, suggesting that the bank is retaining earnings and strengthening its capital base. In simple terms, the institution looks larger, somewhat better capitalized, and less reliant on borrowings than a few years ago, which generally supports financial resilience.

Cash Flow

Cash Flow Cash flow has been quite volatile. There was a year of very strong cash generation from operations followed by more modest, but still positive, cash inflows in the most recent years, and one earlier year with negative cash flow. Because a bank’s “capital spending” is relatively light in this data set, free cash flow closely tracks operating cash flow. The recent pattern implies that while the bank is not generating the exceptional cash levels it briefly achieved, it is still producing positive cash internally, which helps support growth and balance sheet strength without heavy outside funding. The past volatility is a reminder that results can swing with credit conditions and interest rate cycles.

Competitive Edge

Competitive Edge CF Bankshares positions itself as a “boutique commercial bank,” aiming to sit between large national banks and very small community banks. Its edge is based less on having unusual products and more on how those products are delivered: high‑touch service, direct access to decision‑makers, and experienced bankers focused on entrepreneurs and closely held businesses. This relationship‑driven model can be attractive to business owners who feel underserved by larger institutions. The flip side is that the bank competes in a crowded regional market against both big banks with scale advantages and community banks offering similar personal service, so maintaining strong relationships and credit discipline is critical to preserving its niche.

Innovation and R&D

Innovation and R&D The bank is not a technology pioneer, but it has been steadily upgrading its digital capabilities to support its relationship model. It uses standard online and mobile platforms and has invested in a more advanced treasury management system for business clients, offering tools for payments, receivables, and fraud prevention. The innovation focus is on better service delivery—using off‑the‑shelf or partner technology, then wrapping it with tailored advice—rather than on building proprietary tech. Looking ahead, the most likely innovation levers appear to be deeper digital features for business customers, selective fintech partnerships, and more data‑driven personalization, all in support of the bank’s boutique positioning rather than a radical shift in strategy.

Summary

CF Bankshares is a growing regional bank with a clear boutique commercial focus, solid balance sheet progression, and a service‑led competitive stance. Revenue has trended upward, but profitability has come under pressure compared with earlier, stronger years, reflecting the tougher operating environment for banks. The balance sheet shows rising assets, stronger equity, and somewhat reduced reliance on debt, which together point to gradual strengthening of its financial foundation. Cash generation has been uneven over time but is currently positive, providing internal support for growth. Strategically, the bank leans on high‑touch relationships and direct access to decision‑makers, using modern but largely standard digital tools to enhance that experience. Its future performance will likely hinge on how well it balances growth and credit quality while continuing to refine its digital and treasury offerings for its targeted business clientele.

NEWS

November 3, 2025 · 9:00 AM UTC

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2025.

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October 1, 2025 · 9:00 AM UTC

CF BANKSHARES INC., PARENT OF CFBANK, NA, ANNOUNCES QUARTERLY CASH DIVIDEND

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