CF Bankshares Inc. (CFBK) — Financial statements
Income statement, balance sheet, and cash flow for CF Bankshares Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 126↑3.1% | 122↑9.4% | 112↑58.9% | 70↑10.4% | 64 | |
| Cost of Revenue | 73↓6.7% | 78↑24.7% | 63↑218.6% | 20↑126.9% | 9 | |
| Gross Profit | 53↑20.6% | 44↓10.4% | 49↓3.5% | 51↓8.0% | 55 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 3↓81.5% | 17↓3.3% | 18↑3.1% | 17↓10.0% | 19 | |
| Selling & Marketing Expenses | 0.42↑211.9% | 0.13↓60.1% | 0.34↓22.0% | 0.43↓85.9% | 3 | |
| SG&A Expenses | 4↓79.2% | 17↓4.3% | 18↑2.5% | 17↓20.6% | 22 | |
| Other Expenses | 28↑165.7% | 10↑5.7% | 10↓5.9% | 10↑3.5% | 10 | |
| Operating Expenses | 31↑13.1% | 28↓0.8% | 28↓0.6% | 28↓13.0% | 32 | |
| Total Costs & Expenses | 104↓1.5% | 106↑16.9% | 91↑90.2% | 48↑16.8% | 41 | |
| Operating Results | ||||||
| Operating Income | 22↑33.3% | 16↓23.1% | 21↓7.1% | 23↓1.0% | 23 | |
| Depreciation & Amortization | 0.00↓100.0% | 0.49↓14.3% | 0.57↑14.3% | 0.50↑14.0% | 0.44 | |
| EBITDA | 22↑29.4% | 17↓22.8% | 22↓6.7% | 23↓0.7% | 23 | |
| EBIT | 22↑33.3% | 16↓23.1% | 21↓7.1% | 23↓1.0% | 23 | |
| Interest & Other Income | ||||||
| Net Interest Income | 55↑19.7% | 46↓2.3% | 47↓2.9% | 48↑15.9% | 42 | |
| Interest Income | 120↑1.9% | 118↑9.3% | 108↑59.7% | 67↑29.4% | 52 | |
| Interest Expense | 65↓9.4% | 72↑18.3% | 61↑219.6% | 19↑84.1% | 10 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 22↑33.3% | 16↓23.1% | 21↓7.1% | 23↓1.0% | 23 | |
| Income Tax Expense | 4↑44.6% | 3↓31.9% | 4↓8.6% | 4↑1.4% | 4 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 18↑31.0% | 13↓21.0% | 17↓6.8% | 18↓1.6% | 18 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 17↑27.0% | 13↓21.0% | 17↓6.8% | 18↓1.6% | 18 | |
| Bottom-Line Net Income | 17↑30.5% | 13↓23.1% | 17↓6.8% | 18↓1.6% | 18 | |
| EPS (Basic) | 2.70↑29.8% | 2.08↓21.2% | 2.64↓7.0% | 2.84↑0.0% | 2.84 | |
| EPS (Diluted) | 2.69↑30.6% | 2.06↓21.7% | 2.63↓5.4% | 2.78↑0.4% | 2.77 | |
| Weighted Average Shares | 6↑0.2% | 6↓2.3% | 6↑0.4% | 6↓1.7% | 7 | |
| Weighted Average Diluted Shares | 6↑0.4% | 6↓2.1% | 6↓1.3% | 7↓1.7% | 7 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.