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CF BANKSHARES INC.

CFBK

$34.59 ▼ -0.95 (-2.69%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CF BANKSHARES INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $217.6M

Dividend Yield 0.87%

Revenue Growth 17.6% ↗

Op. Margin 35.3% ↗

ROIC None

FCF / Share None

Trailing P/E 12.8x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$60.95M

↑ +17.6% —

Net Income Profit after all expenses

$17.54M

↑ +31.0% —

Operating Margin Operating profit as % of sales

35.3%

↑ +13.4% 90th

Long-Term Debt Long-term obligations

$29.46M

↑ +21.4% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.30 Latest / share

+20.0% YoY

+58.5% 6-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

$0.03

FY 2020

$0.13

FY 2021

$0.18

FY 2022

$0.23

FY 2023

$0.25

FY 2024

$0.30

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	17.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+194%)	0.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	-38.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-748%)	162.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2612%)	62.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+937%)	42.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+616%)	15.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+157%)	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	53.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+785%)	29.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+385%)	-22.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-479%)	-28.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-577%)	3.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	—	—
EPS Growth YoY (%)	29.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-21.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-37.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	121.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	101.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-11.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2210.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-78.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	-300.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	29.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	31.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-21.0% Weak ↓ Weak Declining Year-over-year change in net income	-6.8% Weak ↓ Weak Declining Year-over-year change in net income	-1.6% Weak ↓ Weak Declining Year-over-year change in net income	-37.7% Weak ↓ Weak Declining Year-over-year change in net income	208.4% Excellent ↑ Excellent Improving Year-over-year change in net income	124.7% Excellent ↑ Excellent Improving Year-over-year change in net income	217.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.3% Weak ↓ Weak Declining Year-over-year change in net income	-63.7% Weak ↓ Weak Declining Year-over-year change in net income	N/M	75.6% Excellent ↑ Excellent Improving Year-over-year change in net income	30.6% Excellent ↑ Excellent Improving Year-over-year change in net income	21.0% Good Good Year-over-year change in net income	30.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-16.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	37.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	82.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	38.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	25.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-10.7% Weak Weak Compound annual revenue growth over 3 years	-17.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-7.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	9.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	20.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	29.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	51.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	35.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	29.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	4.1% Fair Fair Compound annual revenue growth over 5 years	2.4% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-9.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	40.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	57.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	244.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	64.3% Excellent Excellent Compound annual EPS growth over 3 years	—	-29.1% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	35.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	31.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	40.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	43.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	42.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	41.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	28.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	25.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	32.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	34.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	28.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	20.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	9.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	13.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	40.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	-12.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	-66.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-404%)	-74.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-438%)	-67.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-405%)	-100.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-555%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	13.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	14.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	26.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+124%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	-4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	-15.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-233%)	-54.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-555%)	-43.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-458%)	-42.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-455%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.72x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.69	$8.26	$8.05	$8.13	$8.25	$14.56	$7.29	$4.84	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$2.70	$2.08	$2.64	$2.84	$2.84	$4.53	$2.05	$1.02	$1.16	$0.05	$0.23	$-0.06	$0.14	$-7.09	$-1.77	$-2.51	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.30	$0.25	$0.23	$0.18	$0.13	$0.03	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$29.32	$26.84	$24.20	$21.77	$19.26	$18.28	$17.61	$10.69	—	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$29.32	$26.84	$24.20	$21.77	$19.26	$18.28	$17.61	$10.69	—	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	6.29M	6.27M	6.42M	6.40M	6.51M	6.03M	4.58M	4.26M	—	—	—	—	—	—	—	—	—
Dividend Payout Ratio (%)	11.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	8.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	4.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	$29.46M	$24.28M	$79.51M	$12.52M	$6.00M	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$184.43M	$168.44M	$155.37M	$139.25M	$125.33M	$110.21M	$80.66M	$45.56M	$40.26M	$39.29M	$34.51M	$22.86M	$23.64M	$9.94M	$15.99M	$23.23M	$33.08M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$60.95M	$51.82M	$51.67M	$52.00M	$53.68M	$87.80M	$33.42M	$20.61M	$14.42M	$12.49M	$11.14M	$7.28M	$5.64M	$7.30M	$10.23M	$9.88M	—
Depreciation Expense (USD)	$476.00K	$486.00K	$567.00K	$496.00K	$435.00K	$381.00K	$316.00K	$248.00K	$208.00K	$211.00K	$211.00K	$205.00K	$237.00K	$384.00K	$508.00K	$483.00K	—
Net Income, GAAP (USD)	$17.54M	$13.39M	$16.94M	$18.16M	$18.45M	$29.61M	$9.60M	$4.27M	$1.35M	$1.63M	$4.48M	$-918.00K	$-3.77M	$-5.42M	$-6.87M	$-9.89M	—
Operating Cash Flow (USD)	$18.69M	$14.19M	$18.05M	$39.76M	$253.30M	$-123.47M	$-103.54M	$-11.81M	$3.95M	—	—	$-4.13M	$-960.00K	$481.00K	$3.05M	$-2.53M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.3%	2.3%	2.7%	2.8%	1.9%	2.5%	2.7%	2.8%	2.6%	2.8%	2.1%	2.2%	2.5%	3.1%	—	—
Efficiency Ratio (%) (%)	51.2%	55.8%	54.9%	55.0%	60.5%	46.2%	64.0%	74.1%	76.0%	78.6%	86.2%	105.8%	146.8%	128.1%	82.4%	83.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 64 quarters

CF BANKSHARES INC.

Analytical Summary

17-Year Financial Trajectory

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