CFBK - NASDAQ

CF Bankshares Inc.

CFBK·NASDAQ

$28.37

-0.70%

Financial ServicesBanks - Regional

CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and 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. In addition, the company provides Internet and mobile banking, remote deposit, and treasury management depository services. As of December 31, 2021, it operated five branch offices located in Franklin, Cuyahoga, Hamilton, and Summit counties, Ohio; and a loan production office located in Franklin County, Ohio. 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 based in Worthington, Ohio.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$182.53M

EPS2.7000

P/E Ratio10.51

Earnings Date08/03/2026

2.12B

Assets

3Y+16.0%

5Y+43.0%

10Y+385.0%

1.93B

Total Liabilities

3Y+15.0%

5Y+41.0%

10Y+387.0%

184.43M

Total Equity

3Y+32.0%

5Y+67.0%

10Y+369.0%

CF Bankshares Inc. Funding & Solvency Profile

CFBK · NASDAQ

Current Assets

Cash & Cash Equivalents258.97M

Net Receivables8.65M

Inventory0.00

Other Current Assets-26.05M

Total Current Assets259 M

Non-Current Assets

Property, Plant & Equipment9.23M

Goodwill & Intangible Assets0.00

Long-Term Investments1.74B

Other Non-Current Assets107.37M

Total Non-Current Assets2 B

Total Assets

2.12B

Financial Health Analysis

Current Ratio

15.31x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

10.48x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

242 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

12% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

CF Bankshares Inc. Balance Sheet

CFBK • NASDAQ

CF Bankshares Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	259M	235.4M	261.7M	151.9M	166.7M	221.7M	46M	67.4M	45.6M	57.7M	25.9M	28.7M	21.1M	27.9M	63.4M	34.3M	3M	4.2M	3.9M	5.4M
Short-Term Investments	17.5M	8.7M	8.1M	10.4M	16.3M	8.7M	8.2M	10.1M	11.8M	14.1M	9.4M	10.4M	9.7M	17.6M	18.5M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	276.5M	244.1M	269.8M	162.3M	183M	230.4M	54.2M	77.5M	57.4M	72.1M	35.3M	39.1M	30.8M	45.5M	81.9M	34.3M	3M	4.2M	3.9M	5.4M
Net Receivables	8.7M	7.7M	13.5M	20.8M	24.6M	34.6M	12.3M	6.9M	4.7M	4.6M	6.1M	3.8M	2.8M	2.4M	2.2M	2.1M	2.5M	2.9M	2.7M	1.8M
Accounts Receivables	0.0	0.0	0.0	0.0	24.6M	34.6M	12.3M	6.9M	4.7M	4.6M	6.1M	3.8M	2.8M	2.4M	2.2M	2.1M	2.5M	2.9M	2.7M	1.8M
Other Receivables	8.7M	7.7M	13.5M	20.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-26.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	259.1M	251.7M	283.3M	183.1M	207.6M	265M	66.4M	84.4M	62.1M	76.7M	41.4M	43M	33.7M	48M	84.2M	36.4M	5.5M	7.1M	6.6M	7.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	9.2M	9.6M	9M	5.1M	7.8M	5.1M	5.8M	3.9M	3.5M	3.4M	3.6M	3.8M	3.5M	5.3M	5.5M	6M	7M	5.2M	5.7M	4.1M
Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	49K	89K	186K	257K	112K	2.7M	1.8M
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	49K	89K	186K	257K	112K	157K	201K
Long-Term Investments	1.7B	1.7B	1.7B	1.6B	1.2B	1.2B	799M	568.1M	407.5M	348.9M	298M	260.6M	210.4M	153.8M	152.5M	222.1M	255M	257.8M	259.3M	214M
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.6M	0.0	2M
Other Non-Current Assets	107.4M	82.2M	78.8M	72.9M	33.1M	23.3M	9.4M	8.7M	8.3M	7.1M	8.4M	8.2M	8.1M	7.9M	8.6M	10.6M	6M	6M	7.8M	8.5M
Total Non-Current Assets	1.9B	1.8B	1.8B	1.6B	1.3B	1.2B	814.1M	580.6M	419.4M	359.4M	309.9M	272.6M	222.1M	167.1M	166.7M	238.8M	267.3M	270.7M	273M	227.5M
Total Assets	2.1B	2.1B	2.1B	1.8B	1.5B	1.5B	880.5M	665M	481.4M	436.1M	351.3M	315.6M	255.7M	215M	250.9M	275.2M	273.7M	276.2M	277.6M	234M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	23.7M	14.5M	21.9M	6.8M	4.6M	3M	2.4M	2.2M	2.7M	2.3M	2.5M	2.9M	0.0	0.0	2.7M	3.1M	1.5M
Accounts Payable	0.0	0.0	0.0	23.7M	14.5M	21.9M	6.8M	4.6M	3M	2.4M	2.2M	2.7M	2.3M	2.5M	2.9M	0.0	0.0	2.7M	3.1M	1.5M
Accrued Expenses	27.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	16.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.1M	5.9M	0.0	0.0
Other Current Liabilities	-27.8M	1.8B	1.7B	1.5B	1.2B	1.1B	746.3M	579.8M	419M	375.4M	290.5M	258.3M	208.3M	173.5M	217M	227.4M	211.1M	207.6M	194.3M	167.6M
Total Current Liabilities	16.9M	1.8B	1.7B	1.6B	1.3B	1.1B	753.2M	584.4M	422M	377.8M	292.7M	261M	210.6M	176M	219.9M	227.4M	213.2M	216.2M	197.4M	169.1M
NON-CURRENT LIABILITIES
Long Term Debt	100M	107.7M	125M	124.4M	104.6M	229.3M	43.8M	34.3M	18.7M	18.7M	19.7M	19.7M	21.7M	15.2M	20.9M	29.1M	35.1M	28.4M	54.6M	37.7M
Other Non-Current Liabilities	1.8B	27.4M	28.9M	3.5M	2.8M	1M	929K	827K	489K	408K	656K	401K	575K	241K	159K	2.8M	2.3M	167K	154K	137K
Total Non-Current Liabilities	1.9B	141.3M	159.2M	129.3M	109.4M	231.8M	46.7M	35.1M	19.1M	19.1M	20.3M	20.1M	22.3M	15.4M	20.9M	31.9M	37.4M	28.5M	54.6M	37.7M
Capital Lease Obligations	5M	6.2M	5.3M	1.4M	2M	1.5M	2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.9B	1.9B	1.9B	1.7B	1.4B	1.4B	799.9M	619.5M	441.2M	396.8M	313M	281.1M	232.9M	191.4M	241M	259.2M	250.5M	243.1M	250.2M	204.9M
SHAREHOLDERS' EQUITY
Treasury Stock	-11.8M	-10.3M	-10M	-9.7M	-7.2M	-4.1M	-3.4M	-3.4M	-3.3M	-3.3M	-3.2M	-3.2M	-3.2M	-3.2M	-3.2M	-3.2M	-3.2M	-3.2M	-1.6M	-783K
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5K	5K	5K	0.0	0.0	7.1M	7.1M	7M	7M	0.0	0.0
Common Stock	68K	68K	70K	69K	68K	67K	54K	44K	43K	164K	161K	159K	159K	159K	9K	47K	47K	47K	46K	46K
Additional Paid-In Capital	93.6M	92.2M	91.1M	89.8M	88.5M	87.6M	86.9M	61.7M	60.7M	60.2M	59.9M	59.7M	48.1M	47.9M	27.8M	27.4M	27.5M	27.5M	27.3M	27.2M
Retained Earnings	103.9M	88.3M	76.5M	61.1M	44.1M	26.5M	-2.9M	-12.8M	-17.1M	-17.8M	-18.5M	-22.2M	-22.2M	-21.3M	-22.2M	-16.3M	-9M	1.3M	1.4M	2.6M
Accumulated Other Comprehensive Income/Loss	-1.4M	-1.8M	-2.3M	-2M	-170K	96K	28K	-73K	-47K	2K	-9K	51K	98K	107K	386K	672K	704K	350K	187K	-25K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	217K	217K	217K	0.0	0.0
Total Stockholders' Equity	184.4M	168.4M	155.4M	139.2M	125.3M	110.2M	80.7M	45.6M	40.3M	39.3M	38.3M	34.5M	22.9M	23.6M	9.9M	16M	23.2M	33.1M	27.4M	29.1M
Total Equity	184.4M	168.4M	155.4M	139.2M	125.3M	110.2M	80.7M	45.6M	40.3M	39.3M	38.3M	34.5M	22.9M	23.6M	9.9M	16M	23.2M	33.1M	27.4M	29.1M
SUMMARY
Total Liabilities & Equity	2.1B	2.1B	2.1B	1.8B	1.5B	1.5B	880.5M	665M	481.4M	436.1M	351.3M	315.6M	255.7M	215M	250.9M	275.2M	273.7M	277.8M	279.6M	236M
Total Investments	1.8B	1.7B	1.7B	1.6B	1.3B	1.2B	807.2M	578.2M	419.3M	363M	307.3M	271M	220.1M	171.5M	171.1M	222.1M	255M	257.8M	259.3M	214M
Total Debt	121.9M	113.9M	130.3M	125.8M	106.6M	230.8M	45.8M	34.3M	18.7M	18.7M	19.7M	19.7M	21.7M	15.2M	20.9M	29.1M	37.2M	34.2M	54.6M	37.7M
Net Debt	-137.1M	-121.5M	-131.4M	-26.1M	-60M	9.1M	-196K	-33.1M	-26.9M	-39.4M	-6.2M	-9M	539K	-12.7M	-42.5M	-5.2M	34.2M	30M	50.7M	32.3M
Shares Outstanding	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472	6,447,472

SEC Filings

CFBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 28, 2026	May 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 27, 2026	May 27, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 26, 2026	March 25, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 05, 2026	February 05, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 18, 2025	December 17, 2025	2025	View Filing

Showing 1 to 10 of 416 filings

Related Guides

Blog Categories

Continue your CFBK research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.