CFBKNasdaqNational Commercial BanksFiscal year ends December 31
CF BANKSHARES INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$33.51+0.01 (+0.03%)
Close on Oct 19, 2026
- Market cap
- $213.24M
- P/E (TTM)
- 11.5
- Dividend yield
- 0.90%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
28.8%−4.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +17.6% | +5.4% | -7.0% | +18.5% | |
| Net income | +31.0% | -1.2% | -9.9% | +14.6% | |
| EPS, diluted | +30.6% | -1.1% | -9.7% | +9.4% | |
| Free cash flow | +30.7% | -22.3% | – | +13.7% | |
| Dividend per share | +20.0% | +18.6% | +58.5% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 4.2% | 31.0% | 9.9% | |
| Return on assets | 0.4% | 2.5% | 0.8% | |
| Capex to revenue | 0.4% | 0.4% | 0.8% | |
| Diluted shares | 3M | 6M | 6M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Cf Bankshares generated $344.00M from operations and spent $19.31M on capital expenditure, dividends and share buybacks. 27% of that went back into the business.
Generated
$344.00M
Used
$19.31M
Capital expenditure$5.28M27%Dividends$7.04M36%Share buybacks$6.99M36%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin28.8%
×Asset turnover0.03×
×Equity multiplier11.85×
=Return on equity, FY20259.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 28.8% | 0.03× | 11.85× | 9.9% |
| FY2024 | 25.8% | 0.03× | 12.74× | 8.3% |
| FY2023 | 32.8% | 0.03× | 13.17× | 11.5% |
| FY2022 | 34.9% | 0.03× | 12.53× | 13.7% |
| FY2021 | 34.4% | 0.04× | 12.62× | 15.7% |
| FY2020 | 33.7% | 0.07× | 12.35× | 31.0% |
| FY2019 | 28.7% | 0.04× | 12.24× | 15.2% |
| FY2018 | 20.7% | 0.04× | 13.36× | 10.0% |
| FY2017 | 9.3% | 0.03× | 11.53× | 3.4% |
| FY2016 | 13.0% | 0.03× | 10.15× | 4.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$17.54M
- Cash generatingOperating cash flow above zero$18.69M
- Return on assets improvedROA up on the prior year0.7% → 0.8%
- Earnings backed by cashOperating cash flow above net income$18.69M vs $17.54M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise6M → 6M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03