Shareholder returns
- Dividends have been paid for 6 consecutive years, consuming 11.1% of earnings and 10.7% of free cash flow.
- The dividend has grown 58.5% per year over the past 5 years.
CFBK Financials CF BANKSHARES INC.
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $18M | — | — | 9.5% | 0.8% | $18M | — | $259M |
| 2024 | — | $13M | — | — | 8.0% | 0.6% | $14M | — | $235M |
| 2023 | — | $17M | — | — | 10.9% | 0.8% | $17M | — | $262M |
| 2022 | — | $18M | — | — | 13.0% | 1.0% | $39M | $29M | $152M |
| 2021 | — | $18M | — | — | 14.7% | 1.2% | $250M | $24M | $167M |
| 2020 | — | $30M | — | — | 26.9% | 2.0% | -$124M | $80M | $222M |
| 2019 | — | $10M | — | — | 11.9% | 1.1% | -$104M | $13M | $46M |
| 2018 | — | $4M | — | — | 9.4% | 0.6% | -$12M | $6M | $67M |
| 2017 | — | $1M | — | — | 3.3% | 0.3% | $4M | $14M | $45M |
| 2016 | — | $2M | — | — | 4.1% | 0.4% | — | — | $58M |
| 2015 | — | $4M | — | — | 11.7% | 1.3% | — | — | $26M |
| 2014 | — | $479000 | — | — | 1.4% | 0.2% | — | — | $28M |
| 2013 | — | -$918000 | — | — | -4.0% | -0.4% | -$4M | — | $19M |
| 2012 | — | -$4M | — | — | -15.9% | -1.8% | -$984000 | — | $25M |
| 2011 | — | -$5M | — | — | -54.6% | -2.2% | $412000 | — | $61M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $6M | — | — | 3.0% | 0.3% | $5M | — | $253M |
| Mar '26 | — | $5M | — | — | 2.7% | 0.2% | $5M | — | $268M |
| Dec '25 | — | $6M | — | — | 3.1% | 0.3% | $3M | — | $259M |
| Sep '25 | — | $2M | — | — | 1.3% | 0.1% | $5M | — | $272M |
| Jun '25 | — | $5M | — | — | 2.8% | 0.2% | $8M | — | $276M |
| Mar '25 | — | $4M | — | — | 2.6% | 0.2% | $2M | — | $241M |
| Dec '24 | — | $4M | — | — | 2.6% | 0.2% | $12M | — | $235M |
| Sep '24 | — | $4M | — | — | 2.6% | 0.2% | -$1M | — | $234M |
| Jun '24 | — | $2M | — | — | 1.1% | 0.1% | $4M | — | $242M |
| Mar '24 | — | $3M | — | — | 1.9% | 0.2% | -$1M | — | $237M |
| Dec '23 | — | $4M | — | — | 2.7% | 0.2% | $8M | — | $262M |
| Sep '23 | — | $4M | — | — | 2.7% | 0.2% | $2M | — | $230M |
| Jun '23 | — | $4M | — | — | 2.9% | 0.2% | $2M | — | $232M |
| Mar '23 | — | $4M | — | — | 3.1% | 0.2% | $5M | — | $214M |
| Dec '22 | — | $5M | — | — | 3.4% | 0.3% | $7M | $29M | $152M |
| Sep '22 | — | $4M | — | — | 3.2% | 0.2% | -$35000 | — | $198M |
| Jun '22 | — | $5M | — | — | 3.6% | 0.3% | $12M | — | $155M |
| Mar '22 | — | $5M | — | — | 3.5% | 0.3% | $20M | — | $168M |
| Dec '21 | — | $4M | — | — | 3.6% | 0.3% | $52M | $24M | $167M |
| Sep '21 | — | $4M | — | — | 3.3% | 0.3% | $163M | — | $68M |
Valuation over time
How the market has priced CFBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 6.9× (Mar '23) to 12.7× (Sep '26).
- The dividend yield has fallen from 0.9% (Mar '23) to 0.9% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is CFBK growing its revenue and profit?
See the revenue and net-income charts above for CF BANKSHARES INC.'s multi-year trend.
How much debt does CFBK have?
As of FY2025, CF BANKSHARES INC. reported — of total debt against $259M of cash.
What is CFBK's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is CFBK's P/E ratio?
As of Sep '26, CF BANKSHARES INC. traded at a price-to-earnings ratio of about 12.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.