CFBK - NASDAQ
CF Bankshares Inc.
$28.37
-0.70%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.
At a Glance
Live SnapshotCF Bankshares Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
CF Bankshares Inc. Cash Flow Statement
CFBK • NASDAQ
| CF Bankshares Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
17.5M | 13.4M | 16.9M | 18.2M | 18.5M | 29.6M | 9.6M | 4.3M | 1.3M | 1.6M | 4.5M | 479K | -918K | -3.8M | -5.4M | -6.9M | -9.9M | 723K | -17K | -37K | |
0.0 | 486K | 567K | 496K | 435K | 381K | 316K | 248K | 208K | 211K | 211K | 232K | 205K | 237K | 384K | 508K | 445K | 628K | 498K | 404K | |
0.0 | -365K | 456K | 215K | 773K | -3M | -187K | 85K | 982K | 623K | -3.3M | 0.0 | 0.0 | 0.0 | 0.0 | 198K | 1.6M | 314K | -61K | -39K | |
0.0 | 1.2M | 1.2M | 899K | 707K | 711K | 527K | 376K | 246K | 122K | 134K | 265K | 159K | 11K | 40K | 7K | 83K | 149K | 0.0 | 0.0 | |
4.1M | 3.5M | -594K | 25.4M | 230.2M | -147.2M | -111.7M | -16.4M | 1.5M | -1.9M | 3M | 117K | -3M | 2.6M | 5.6M | 8.2M | 6.4M | 936K | 462K | 1.2M | |
(2.7M) | (664K) | (4M) | (2.5M) | (3.9M) | (10.3M) | (2.5M) | (968K) | (1.2M) | (70K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (25K) | (0.0) | (0.0) | (0.0) | (0.0) | |
-2.9M | -4M | -487K | -5.4M | 2.7M | -3.9M | -2.1M | -385K | -299K | 1.1M | 488K | -38K | -578K | -73K | -141K | 999K | -1.1M | -842K | 2.5M | -276K | |
18.7M | 14.2M | 18.1M | 39.8M | 253.3M | -123.5M | -103.5M | -11.8M | 4M | 1.8M | 5.1M | 1.1M | -4.1M | -960K | 481K | 3M | -2.5M | 1.9M | 3.4M | 1.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -266K | -661K | -905K | -3M | -385K | -443K | -612K | -312K | -47K | -45K | -461K | -341K | -24K | -69K | -56K | -40K | -212K | -2.3M | -1.7M | |
(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) | -675K | (0.0) | (0.0) | (0.0) | |
(0.0) | -2.1M | -1.2M | (0.0) | -14.6M | -13.4M | -2.8M | -2.2M | -1.8M | -6M | -4.6M | -5M | (0.0) | -13.4M | -12.5M | -28.6M | -3.7M | -6.9M | -5.9M | -69.6M | |
0.0 | 2.2M | 2M | 3.5M | 5.8M | 5.7M | 3.7M | 3.3M | 2.7M | 1.3M | 5.5M | 4.1M | 10.9M | 13.6M | 22.6M | 20.8M | 6.4M | 12.2M | 8.1M | 9.6M | |
-25M | -32.8M | -122M | -355.9M | -305M | -251.7M | -111.9M | -144.3M | -60M | -47.8M | -39.9M | -49.5M | -54M | -3.4M | 35.3M | 28.2M | -6.4M | -4.2M | -46.3M | 272K | |
-25M | -33M | -121.9M | -353.3M | -316.7M | -259.8M | -111.4M | -143.8M | -59.4M | -52.6M | -39M | -50.9M | -43.5M | -3.3M | (45.4M) | (20.3M) | -4.4M | (804K) | -46.3M | -61.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-1.3M | -352K | -299K | -2.5M | -3.1M | -680K | 9.6M | -42K | -49K | -30K | 0.0 | 0.0 | -11K | 20.2M | 0.0 | 0.0 | 0.0 | -1.6M | -830K | 14.6M | |
8.3M | -17.3M | 500K | 19.7M | -124.7M | 192.9M | 2M | 15.6M | 0.0 | -1M | 0.0 | -2M | 6.5M | -5.7M | -8.2M | -8.1M | 6.3M | -7.2M | 16.9M | 40M | |
-1.9M | -1.6M | -1.5M | -1.2M | -848K | -195K | (0.0) | (0.0) | -750K | -750K | -750K | -233K | (0.0) | (0.0) | (0.0) | -271K | -546K | -860K | -1.4M | -1.4M | |
-1.3M | -352K | -299K | -2.5M | -3.1M | -680K | -23K | -42K | -49K | -30K | (0.0) | (0.0) | -11K | (0.0) | (0.0) | (0.0) | -13K | -1.6M | (0.0) | (0.0) | |
25M | 11.8M | 214.9M | 282.7M | 137.1M | 366.9M | 167.9M | 161.8M | 43.8M | 84.6M | 32.4M | 49.8M | 35.1M | -43.5M | -10.5M | 16.3M | -6K | 13K | 26.7M | 9.5M | |
30.1M | -7.5M | 213.6M | 298.8M | 8.4M | 558.9M | 193.5M | 177.4M | 43M | 82.9M | 31.6M | 58.9M | 41.6M | -32.1M | -18.7M | 7.9M | 5.8M | -2.4M | 41.4M | 62.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
23.7M | -26.3M | 109.8M | -14.8M | -55M | 175.7M | -21.4M | 21.8M | -12.4M | 32M | -2.3M | 9M | -6M | -36.3M | 27.2M | 31.3M | -1.2M | 283K | -1.5M | 2.4M | |
235.3M | 261.6M | 151.8M | 166.6M | 221.6M | 45.9M | 67.3M | 45.5M | 57.9M | 25.9M | 28.2M | 19.2M | 25.2M | 61.4M | 34.3M | 3M | 4.2M | 3.9M | 5.4M | 3M | |
259M | 235.3M | 261.6M | 151.8M | 166.6M | 221.6M | 45.9M | 67.3M | 45.5M | 57.9M | 25.9M | 28.2M | 19.2M | 25.2M | 61.4M | 34.3M | 3M | 4.2M | 3.9M | 5.4M | |
18.2M | 13.9M | 17.4M | 38.9M | 250.3M | -123.9M | -104M | -12.4M | 3.6M | 1.7M | 5.1M | 594K | -4.5M | -984K | 412K | 3M | -2.6M | 1.7M | 1.2M | -443K |
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 | |
8-K 8-K 2026 N/A | May 27, 2026 | May 27, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 26, 2026 | March 25, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 18, 2025 | December 17, 2025 | 2025 |
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