CF Bankshares Inc

Financial Services US CFBK

28.37USD
-0.44(1.53%)

Last update at 2026-06-03T20:00:00Z

Day Range

28.3028.84

LowHigh

52 Week Range

21.4734.24

LowHigh

Fundamentals

Previous Close 28.81
Market Cap186.14M
Volume23894
P/E Ratio11.08
Dividend Yield1.01%
Revenue TTM52.70M
Revenue Per Share TTM8.38
Gross Profit TTM 52.70M
Diluted EPS TTM2.66

Overview
Financials
Peer Comparison
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Profile

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Income before tax	21.53M	16.14M	20.98M	22.59M	22.82M
Minority interest	-	-	-	-	-
Net income	17.00M	13.39M	16.94M	18.16M	18.45M
Selling general administrative	3.16M	17.02M	17.59M	17.06M	18.97M
Selling and marketing expenses	0.42M	0.13M	0.34M	0.43M	3.06M
Gross profit	52.69M	43.68M	48.73M	51.31M	53.33M
Reconciled depreciation	0.48M	-0.89000M	-0.45700M	0.50M	0.43M
Ebit	-	16.14M	20.98M	41.57M	22.82M
Ebitda	21.53M	16.63M	21.55M	42.06M	23.25M
Depreciation and amortization	-	0.49M	0.57M	0.50M	0.43M
Non operating income net other	-	-	-	-	-
Operating income	21.53M	16.14M	20.98M	41.57M	22.82M
Other operating expenses	104.38M	106.02M	90.71M	-9.74000M	-30.50900M
Interest expense	64.97M	71.75M	60.64M	18.97M	10.31M
Tax provision	3.99M	2.76M	4.05M	4.43M	4.37M
Interest income	119.37M	117.71M	107.69M	67.76M	52.35M
Net interest income	54.39M	45.97M	47.05M	48.79M	42.04M
Extraordinary items	-	-	-	-	-
Non recurring	-	-	-	-	-
Other items	-	-	-	-	-
Income tax expense	3.99M	2.76M	4.05M	4.43M	4.37M
Total revenue	125.90M	122.16M	111.69M	51.31M	53.33M
Total operating expenses	31.16M	27.54M	27.75M	-9.74000M	-30.50900M
Cost of revenue	73.22M	78.48M	62.96M	-	-
Total other income expense net	-	-0.05600M	20.98M	-18.97400M	-10.30900M
Discontinued operations	-	-	-	-	-
Net income from continuing ops	17.54M	13.39M	16.94M	18.16M	18.45M
Net income applicable to common shares	-	-	-	18.16M	18.45M
Preferred stock and other adjustments	-	-	-	-	-

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Total assets	2117.32M	2065.52M	2058.61M	1820.17M	1495.59M
Intangible assets	-	-	-	-	-
Earning assets	-	-	-	-	-
Other current assets	-26.05100M	0.10M	270.90M	-	-0.10000M
Total liab	1932.89M	1897.09M	1903.24M	1680.93M	1370.26M
Total stockholder equity	184.43M	168.44M	155.37M	139.25M	125.33M
Deferred long term liab	-	-	-	-	-
Other current liab	285.52M	1755.80M	238.60M	-23.67000M	-14.51300M
Common stock	0.07M	0.07M	0.07M	0.07M	0.07M
Capital stock	0.07M	0.07M	0.07M	0.07M	0.07M
Retained earnings	103.88M	88.29M	76.52M	61.09M	44.08M
Other liab	-	-	-	-	2.75M
Good will	-	-	-	-	-
Other assets	-	1811.94M	-	1608.45M	1258.85M
Cash	258.97M	235.37M	261.69M	151.89M	166.69M
Cash and equivalents	-	-	-	-	-
Total current liabilities	16.92M	1755.80M	239.63M	23.67M	14.51M
Current deferred revenue	-	-	-	-	-
Net debt	-137.09100M	-121.46300M	-131.43700M	-26.06600M	-60.04900M
Short term debt	16.92M	1.00M	1.03M	-	89.73M
Short long term debt	-	-	-	-	-
Short long term debt total	121.88M	113.91M	130.26M	125.82M	106.64M
Other stockholder equity	81.84M	81.88M	81.08M	80.12M	81.35M
Property plant equipment	-	-	-	5.13M	7.79M
Total current assets	259.07M	251.74M	270.90M	201.59M	207.60M
Long term investments	17.50M	13.68M	13.09M	15.44M	21.35M
Net tangible assets	-	-	-	139.25M	125.33M
Short term investments	17.50M	8.68M	8.09M	10.44M	16.35M
Net receivables	8.65M	7.68M	13.50M	39.36M	24.56M
Long term debt	116.00M	107.68M	124.96M	124.38M	104.61M
Inventory	-	-	248.10M	-	-
Accounts payable	-	-	-	23.67M	14.51M
Total permanent equity	-	-	-	-	-
Noncontrolling interest in consolidated entity	-	-	-	-	-
Temporary equity redeemable noncontrolling interests	-	-	-	-	-
Accumulated other comprehensive income	-1.37100M	-1.80300M	-2.29000M	-2.03700M	-0.17000M
Additional paid in capital	-	-	-	-	-
Common stock total equity	-	-	-	-	0.07M
Preferred stock total equity	-	-	-	-	-
Retained earnings total equity	-	-	-	-	44.08M
Treasury stock	-	-	-	-	-7.18000M
Accumulated amortization	-	-	-	-	-
Non currrent assets other	107.37M	82.20M	1761.44M	-10.44200M	-29.14100M
Deferred long term asset charges	-	-	-	-	-
Non current assets total	1858.35M	1813.79M	1787.71M	10.13M	29.14M
Capital lease obligations	5.88M	6.23M	5.30M	1.44M	2.03M
Long term debt total	-	-	-	-	14.88M

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Investments	-3.31900M	-32.99400M	-121.85300M	-353.32100M	-305.33200M
Change to liabilities	-	-	-	0.00000M	-15.13500M
Total cashflows from investing activities	-25.04000M	-32.99400M	-121.85300M	-	-316.73000M
Net borrowings	8.25M	-17.34900M	0.50M	-	-124.70000M
Total cash from financing activities	30.05M	-7.51800M	213.61M	298.75M	8.42M
Change to operating activities	-	-	-	-	-15.17200M
Net income	17.54M	13.39M	16.94M	18.16M	18.45M
Change in cash	23.70M	-26.32300M	109.81M	-14.80400M	-55.00300M
Begin period cash flow	235.27M	261.60M	151.79M	166.59M	221.59M
End period cash flow	258.97M	235.27M	261.60M	151.79M	166.59M
Total cash from operating activities	18.69M	14.19M	18.05M	39.76M	253.30M
Issuance of capital stock	-	-	-	-	0.00000M
Depreciation	0.48M	0.49M	0.57M	-0.38500M	-2.07000M
Other cashflows from investing activities	-25.04000M	-32.78400M	-122.00500M	-	-8.43600M
Dividends paid	1.95M	1.61M	1.48M	-1.15300M	-0.84800M
Change to inventory	-	-	-	-	-
Change to account receivables	1.47M	3.52M	-2.67600M	-6.47500M	17.88M
Sale purchase of stock	-1.28300M	-0.35200M	-0.29900M	-2.51200M	-3.11100M
Other cashflows from financing activities	25.03M	11.80M	214.88M	323.04M	1.72M
Change to netincome	-	-	-	-	237.93M
Capital expenditures	0.49M	0.27M	0.66M	0.91M	2.96M
Change receivables	-	-	-	-	-
Cash flows other operating	-	-	-	-	14.12M
Exchange rate changes	-	-	-	-	-
Cash and cash equivalents changes	-	-	-	-	-55.00300M
Change in working capital	-2.92100M	-4.02100M	-0.48700M	-5.44200M	2.71M
Stock based compensation	1.39M	1.16M	1.17M	0.90M	0.71M
Other non cash items	4.07M	3.55M	-0.59400M	26.31M	232.73M
Free cash flow	18.20M	13.92M	17.39M	38.86M	250.34M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company	Change (USD)	Price (USD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)	Enterprise Value to Revenue (x)
CFBK CF Bankshares Inc	-0.44 1.53%	28.37	11.08	7.86	3.64	1.04	5.23
HDB HDFC Bank Limited ADR	0.01 0.04%	23.55	20.81	20.96	0.11	4.77
CIHKY China Merchants Bank Co Ltd	-0.425 1.38%	30.39	7.78	7.65	0.56	0.90	3.62
DBSDF DBS Group Holdings Ltd	- -%	51.34	15.29	14.41	5.84	2.36	10.40
CIHHF China Merchants Bank Co Ltd Class H	- -%	5.92	6.10	5.67	0.44	0.77	3.43

Reports Covered

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Profile

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans and equipment leases; residential real estate loans and treasury management depository services; construction loans; and full-service commercial and retail banking services and products. In addition, it provides consumer loans, such as home equity lines of credit, home improvement loans, and loans secured by deposits and purchased loans, as well as other loans. Further, the company offers online and internet banking, mobile banking, and remote deposits. The company was formerly known as Central Federal Corporation and changed its name to CF Bankshares Inc. in July 2020. CF Bankshares Inc. was founded in 1892 and is headquartered in Columbus, Ohio.

CF Bankshares Inc

4960 East Dublin Granville Road, Columbus, OH, United States, 43081

614 334 7979
https://www.cf.bank
Employees : 98

Key Executives

Name	Title	Year Born
Mr. Timothy T. O'Dell	Pres, CEO & Director	1953
Mr. Kevin J. Beerman	Exec. VP & CFO	1973
Mr. Steve Nitzsche	Sr. VP & Equipment Fin. Mang.	NA
Timothy Meder	Sr. VP & Chief Commercial Credit Officer	NA
David Hand	Sr. VP of Residential Mortgage	NA
Ms. Barbara Pyke	Corp. Sec.	NA
Mr. Paul Souleyrette	Market Pres of Cincinnati Market	NA
Mr. Timothy T. O'Dell	President, CEO & Director	1953
Mr. Kevin J. Beerman	Executive VP & CFO	1974
David Hand	Senior Vice President of Residential Mortgage	NA

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