CF Bankshares (CFBK) Financial Statements & Analysis

CF Bankshares (CFBK) Income Statement

CF Bankshares reported revenue of $60.03M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 33.2% from $45.08M a year earlier. Net income was $17.54M, up 34.7% year over year, a net margin of 29.2%. Gross margin was 87.8% and operating margin 35.9%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $31.72M, up 106.2% from the same quarter a year earlier.

CF Bankshares Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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CF Bankshares Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	60.04	45.08	51.05	70.28	63.64	102.08	46.59	27.49	17.78
Cost of Revenue	73.22	78.48	62.96	19.76	8.71	25.49	13.40	7.00	3.53
Gross Profit	52.69	43.68	48.74	50.52	54.93	76.58	33.19	20.49	14.25
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	19.08	10.86	17.93	17.50	22.03	28.95	15.17	10.58	6.91
Operating Expenses	31.16	27.54	27.75	27.93	32.11	40.30	21.15	15.16	10.79
Operating Income	21.53	16.14	20.99	22.59	22.82	36.28	12.04	5.33	3.46
Other Income/Expense
Interest Income	119.37	117.71	107.69	67.42	52.11	42.19	34.90	24.69	17.05
Interest Expense	64.97	71.75	60.64	18.97	10.31	14.58	13.40	7.00	3.53
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	21.53	16.14	20.99	22.59	22.82	36.28	12.04	5.33	3.46
Income Tax Expense	3.99	2.76	4.05	4.43	4.37	6.68	2.44	1.06	2.12
Net Income	17.54	13.03	16.94	18.16	18.45	29.61	9.60	4.27	1.35
Net Income - Continuous Operations	17.54	13.39	16.94	18.16	18.45	29.61	9.60	4.27	1.35
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	0.48	0.49	21.55	23.09	23.25	36.66	12.36	5.58	3.67
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.48	0.49	0.57	0.50	0.44	0.38	0.32	0.25	0.21
Earnings Per Share
Basic EPS	3.00	2.00	3.00	3.00	3.00	5.00	2.00	1.00	-
Diluted EPS	3.00	2.00	3.00	3.00	3.00	4.00	2.00	1.00	-
Basic Shares Outstanding	6.29	6.27	6.42	6.40	6.51	6.03	4.58	4.26	3.26
Diluted Shares Outstanding	6.33	6.31	6.45	6.54	6.65	6.11	4.63	4.34	3.51

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About CF Bankshares Financial Statements

What was CF Bankshares's revenue in fiscal 2025?

CF Bankshares reported revenue of $60.03M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 33.2% from $45.08M a year earlier.

Is CF Bankshares profitable?

Yes. CF Bankshares earned net income of $17.54M in fiscal 2025, a net margin of 29.2%. In fiscal 2024 it earned $13.03M.

What is CF Bankshares's operating margin?

CF Bankshares's operating income was $21.53M on revenue of $60.03M in fiscal 2025, an operating margin of 35.9%, compared with 35.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition