CF BANKSHARES INC.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $60.6M | $19.0M | $10.3M |
| Pretax income | $21.5M | $16.1M | $21.0M | $22.6M | $22.8M |
| Income tax expense | $4.0M | $2.8M | $4.0M | $4.4M | $4.4M |
| Net income | $17.5M | $13.4M | $16.9M | $18.2M | $18.5M |
| Balance Sheet | |||||
| Cash and equivalents | $259.0M | $235.3M | $261.6M | $151.8M | $166.6M |
| Total assets | $2.1B | $2.1B | $2.1B | $1.8B | $1.5B |
| Total liabilities | $1.9B | $1.9B | $1.9B | $1.7B | $1.4B |
| Stockholders' equity | $184.4M | $168.4M | $155.4M | $139.2M | $125.3M |
| Cash Flow Statement | |||||
| Cash from operations | $18.7M | $14.2M | $18.1M | $39.8M | $253.3M |
| Depreciation and amortization | $476,000 | $486,000 | $567,000 | $496,000 | $435,000 |
| Stock-based compensation | $1.4M | $1.2M | $1.2M | $899,000 | $707,000 |
| Capital expenditure | $487,000 | $266,000 | $661,000 | $905,000 | $3.0M |
| Free cash flow | $18.2M | $13.9M | $17.4M | $38.9M | $250.3M |
| Dividends paid | $1.9M | $1.6M | $1.5M | $1.2M | $848,000 |
| Share repurchases | $1.3M | $223,000 | $177,000 | $2.3M | $3.0M |
| Impairments | — | — | $60,000 | $570,000 | $17,000 |
Shares outstanding 6.5M · Free float 15.0%
Annual filing data through FY ended December 31, 2025; float as of July 12, 2026.