# CF Bankshares Inc (CFBK)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $191M  
**Price:** $30.22 (+0.23%)

> CF Bankshares Inc. is a financial holding company engaged in providing business banking products and services. It offers a range of lending solutions including commercial loans and leases, commercial and residential real estate loans, equipment leasing, and SBA loans. The company also provides treasury management and depository services to support business operations. Revenues are primarily generated from interest and fees on originated loans, along with noninterest income from loan sales. CF Bankshares Inc. operates through segments focused on real estate and consumer banking, catering to businesses seeking personalized financial solutions. Founded in 1998 and headquartered in Columbus, Ohio, it plays a role in the regional banking sector by delivering tailored commercial banking services to small and medium-sized enterprises.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $120M | — | — | $18M | — |
| 2024 | $118M | — | — | $13M | — |
| 2023 | $108M | — | — | $17M | — |
| 2022 | $68M | — | — | $18M | — |
| 2021 | $52M | — | — | $18M | — |
| 2020 | $42M | — | — | $30M | — |
| 2019 | $35M | — | — | $10M | — |
| 2018 | $25M | — | — | $4M | — |
| 2017 | $17M | — | — | $1M | — |
| 2016 | $14M | — | — | $2M | — |
| 2015 | $12M | — | — | $4M | — |
| 2014 | $11M | — | — | $479,000 | — |
| 2013 | $8M | — | — | -$918,000 | — |
| 2012 | $7M | — | — | -$4M | — |
| 2011 | $10M | — | — | -$5M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $2.12B | $1.93B | $184M | $259M | — |
| 2024 | $2.07B | $1.90B | $168M | $235M | — |
| 2023 | $2.06B | $1.90B | $155M | $262M | — |
| 2022 | $1.82B | $1.68B | $139M | $152M | $29M |
| 2021 | $1.50B | $1.37B | $125M | $167M | $24M |
| 2020 | $1.48B | $1.37B | $110M | $222M | $80M |
| 2019 | $881M | $800M | $81M | $46M | $13M |
| 2018 | $665M | $619M | $46M | $67M | $6M |
| 2017 | $481M | $441M | $40M | $45M | $14M |
| 2016 | $436M | $397M | $39M | $58M | — |
| 2015 | $351M | $313M | $38M | $26M | — |
| 2014 | $316M | $281M | $35M | $28M | — |
| 2013 | $256M | $233M | $23M | $19M | — |
| 2012 | $215M | $191M | $24M | $25M | — |
| 2011 | $251M | $241M | $10M | $61M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $19M | $487,000 | $18M |
| 2024 | $14M | $266,000 | $14M |
| 2023 | $18M | $661,000 | $17M |
| 2022 | $40M | $905,000 | $39M |
| 2021 | $253M | $3M | $250M |
| 2020 | -$123M | $385,000 | -$124M |
| 2019 | -$104M | $443,000 | -$104M |
| 2018 | -$12M | $612,000 | -$12M |
| 2017 | $4M | $312,000 | $4M |
| 2013 | -$4M | $341,000 | -$4M |
| 2012 | -$960,000 | $24,000 | -$984,000 |
| 2011 | $481,000 | $69,000 | $412,000 |
| 2010 | $3M | $56,000 | $3M |
| 2009 | -$3M | $40,000 | -$3M |

Source: [CompaniesByCap](https://companiesbycap.com/company/CFBK)