Cf Bankshares Inc.
CFBK Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$34.34
KIRA · Stoqly’s AI analyst, in plain words
- Cf Bankshares Inc. had $61.0M of revenue in fiscal 2025, up 17.6% on the year before. Over five years, revenue changed −7.0% a year on average.
- Cf Bankshares Inc. made $17.5M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 55.7% a year.
- Cf Bankshares Inc. returned $1.9M to shareholders in fiscal 2025, 11% of free cash flow. The diluted share count rose 0.4%.
- It earned 9.9% on shareholders’ money. Running costs took 51.2% of revenue (the efficiency ratio; lower is better).
Market cap
$219M
P/E
11.8x
Revenue
$61.0M
Net income
$17.5M
Return on equity
9.9%
Efficiency ratio
51.2%
Cf Bankshares Inc. in 30 seconds · fiscal 2025
Are sales growing?
+17.6%
Yes. Sales grew 17.6% last year.
Does it make a profit?
28.8%
Yes. It keeps 28.8% of every sale as profit.
How lean are its costs?
51.2%
Lean. Running costs take 51.2% of revenue.
How much does it earn on its capital?
9.9%
Fair. It earns 9.9% a year on shareholders’ money.
How is the share priced?
11.8x
One share costs 11.8 times its yearly profit per share.
What Cf Bankshares Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- CF BANKSHARES INC.
- CIK
- 0001070680
Cf Bankshares Inc. · CFBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $53.7M | $52.0M | $51.7M | $51.8M | $61.0M |
| Revenue growth | −38.9% | −3.1% | −0.6% | 0.3% | 17.6% |
| Net interest income | $42.0M | $48.8M | $47.6M | $46.6M | $55.0M |
| Net income | $18.5M | $18.2M | $16.9M | $13.4M | $17.5M |
| Net margin | 34.4% | 34.9% | 32.8% | 25.8% | 28.8% |
| Diluted EPS | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Cash | |||||
| Cash from operations | $253M | $39.8M | $18.1M | $14.2M | $18.7M |
| Capital expenditure | $3.0M | $0.9M | $0.7M | $0.3M | $0.5M |
| Free cash flow | $250M | $38.9M | $17.4M | $13.9M | $18.2M |
| FCF margin | 466.4% | 74.7% | 33.7% | 26.9% | 29.9% |
| Dividends paid | $0.8M | $1.2M | $1.5M | $1.6M | $1.9M |
| Share count change | 8.9% | −1.7% | −1.3% | −2.1% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $167M | $152M | $262M | $235M | $259M |
| Debt incl. finance leases | $24.3M | $29.5M | — | — | — |
| Loans, net | $1.2B | $1.6B | — | — | — |
| Deposits | $1.2B | $1.5B | $1.7B | $1.8B | $1.8B |
| Shareholders' equity | $125M | $139M | $155M | $168M | $184M |
| Returns and quality | |||||
| Return on equity | 15.7% | 13.7% | 11.5% | 8.3% | 9.9% |
| Return on tangible equity | 14.7% | 13.0% | 10.9% | 7.7% | 9.2% |
| Efficiency ratio | 60.5% | 55.0% | 54.9% | 55.8% | 51.2% |
| Piotroski F-score | 4 | 5 | — | — | — |
Insiders bought, 12 months
$0.1M
5 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Cf Bankshares Inc. · CFBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $34.34 a share, the company is worth $219M: 11.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001070680). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.