CF BANKSHARES INC. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that CF BANKSHARES INC. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $17.54M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $13.39M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $16.94M | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $18.16M | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | $18.45M | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | $29.61M | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | $9.60M | Mar 16, 2022 |
| FY2019 | Dec 31, 2018 | $4.27M | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | $1.35M | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | $1.63M | Mar 15, 2018 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $18.69M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $14.19M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $18.05M | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $39.76M | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | $253.30M | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | ($123.47M) | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | ($103.54M) | Mar 16, 2022 |
| FY2019 | Dec 31, 2018 | ($11.81M) | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | $3.95M | Mar 15, 2019 |
| FY2013 | Dec 31, 2013 | ($4.13M) | Mar 31, 2014 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $487.0K | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $266.0K | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $661.0K | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $905.0K | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | $2.96M | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | $385.0K | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | $443.0K | Mar 16, 2022 |
| FY2019 | Dec 31, 2018 | $612.0K | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | $312.0K | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | $47.0K | Mar 15, 2018 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.12B | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $2.07B | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $2.06B | Mar 14, 2025 |
| FY2023 | Dec 31, 2022 | $1.82B | Mar 29, 2024 |
| FY2022 | Dec 31, 2021 | $1.50B | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.48B | Mar 16, 2022 |
| FY2020 | Dec 31, 2019 | $880.55M | Mar 23, 2021 |
| FY2019 | Dec 31, 2018 | $665.03M | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | $481.43M | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | $436.11M | Mar 15, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.93B | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $1.90B | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $1.90B | Mar 14, 2025 |
| FY2023 | Dec 31, 2022 | $1.68B | Mar 29, 2024 |
| FY2022 | Dec 31, 2021 | $1.37B | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.37B | Mar 16, 2022 |
| FY2020 | Dec 31, 2019 | $799.88M | Mar 23, 2021 |
| FY2019 | Dec 31, 2018 | $619.47M | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | $441.16M | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | $396.82M | Mar 15, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $184.43M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $168.44M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $155.37M | Mar 12, 2026 |
| FY2025 | Dec 31, 2022 | $139.21M | Mar 12, 2026 |
| FY2024 | Dec 31, 2021 | $125.33M | Mar 14, 2025 |
| FY2023 | Dec 31, 2020 | $110.21M | Mar 29, 2024 |
| FY2022 | Dec 31, 2019 | $80.66M | Mar 31, 2023 |
| FY2021 | Dec 31, 2018 | $45.56M | Mar 16, 2022 |
| FY2019 | Dec 31, 2017 | $40.26M | Mar 16, 2020 |
| FY2018 | Dec 31, 2016 | $39.29M | Mar 15, 2019 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $103.88M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $88.29M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $76.52M | Mar 14, 2025 |
| FY2023 | Dec 31, 2022 | $61.10M | Mar 29, 2024 |
| FY2022 | Dec 31, 2021 | $44.08M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $26.48M | Mar 16, 2022 |
| FY2020 | Dec 31, 2019 | ($2.93M) | Mar 23, 2021 |
| FY2019 | Dec 31, 2018 | ($12.75M) | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | ($17.09M) | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | ($17.77M) | Mar 15, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $258.97M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $235.27M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $261.60M | Mar 14, 2025 |
| FY2023 | Dec 31, 2022 | $151.79M | Mar 29, 2024 |
| FY2022 | Dec 31, 2021 | $166.59M | Mar 31, 2023 |
| FY2020 | Dec 31, 2020 | $221.59M | Mar 23, 2021 |
| FY2020 | Dec 31, 2019 | $45.88M | Mar 23, 2021 |
| FY2020 | Dec 31, 2018 | $67.30M | Mar 23, 2021 |
| FY2019 | Dec 31, 2017 | $45.50M | Mar 16, 2020 |
| FY2018 | Dec 31, 2016 | $57.94M | Mar 15, 2019 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2022 | Dec 31, 2022 | $29.46M | Mar 31, 2023 |
| FY2022 | Dec 31, 2021 | $24.28M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $79.51M | Mar 16, 2022 |
| FY2020 | Dec 31, 2019 | $12.52M | Mar 23, 2021 |
| FY2019 | Dec 31, 2018 | $6.00M | Mar 16, 2020 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | 2 | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | 4 | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | 2 | Mar 16, 2022 |
| FY2019 | Dec 31, 2018 | 1 | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 15, 2018 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | 2 | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | 4 | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | 2 | Mar 16, 2022 |
| FY2019 | Dec 31, 2018 | 1 | Mar 16, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 15, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 15, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.95M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $1.61M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $1.48M | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $1.15M | Mar 14, 2025 |
| FY2023 | Dec 31, 2021 | $848.0K | Mar 29, 2024 |
| FY2022 | Dec 31, 2020 | $195.0K | Mar 31, 2023 |
| FY2011 | Dec 31, 2009 | $205.0K | Mar 30, 2012 |