CF Bankshares (CFBK) Financials

$35.70

$0.53 (1.51%)

As on 04-Sep-2026 16:00EDT

Market cap

$232 Mln

Revenue (TTM)

$125 Mln

P/E Ratio

12.1

P/B Ratio

1.2

Div. Yield

1 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	124.71	125.90	122.16	111.69	70.28	63.64
Cost of Revenue	70.10	73.22	78.48	62.96	19.76	8.71
Gross Profit	54.62	52.69	43.68	48.74	50.52	54.93
Operating Expenses	31.91	31.16	27.54	27.75	27.93	32.11
Operating Profit (EBIT)	22.70	21.53	16.14	20.99	22.59	22.82
Other Income	--	--	--	--	--	--
Profit before Tax	22.70	21.53	16.14	20.99	22.59	22.82
Provision for Tax	3.69	3.99	2.76	4.05	4.43	4.37
Profit after Tax (Net Income)	18.84	17.00	13.39	16.94	18.16	18.45
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	18.16	18.45

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	194.34	184.43	168.44	155.37	139.25	125.33
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	1,958.77	1,915.98	141.29	159.18	129.33	109.39
Current Liabilities	16.48	16.92	1,755.80	1,744.06	1,551.59	1,260.87
Total Liabilities	2,186.07	2,117.32	2,065.52	2,058.62	1,820.17	1,495.59

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	1,916.48	1,858.35	1,813.79	1,775.33	1,637.08	1,287.99
Current Assets	253.10	259.07	251.74	283.28	183.10	207.60
Total Assets	2,422.69	2,117.32	2,065.52	2,058.62	1,820.17	1,495.59
Total Debt*	120.21	121.88	113.91	130.26	125.82	106.64
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	18.69	14.19	18.05	39.76	253.30
Cash Flow from Investing Activities	--	-25.04	-32.99	-121.85	-353.32	-316.73
Cash from Financing Activities	--	30.05	-7.52	213.61	298.75	8.42
Net Cash Inflow / Outflow	--	--	--	--	--	-55.00

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	2.97	2.68	2.12	2.62	2.80	2.80
Cash EPS ($)	--	2.75	1.97	2.55	2.87	2.87
Adjusted Book Value ($)	--	29.04	26.61	24.01	21.45	19.03
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	2.94	2.24	2.79	6.13	38.46
Free Cash Flow per Share ($)	--	2.87	2.20	2.69	5.99	38.01

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	5.78	4.71	6.15	7.31	6.44
ROE (%)	9.95	9.64	8.27	11.50	13.73	15.67
ROA (%)	0.78	0.81	0.65	0.87	1.10	1.24
EBIT Margin (%)	12.38	17.10	13.22	18.79	32.15	35.86
Net Margin (%)	15.10	13.50	10.96	15.16	25.85	29.00
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	0.44	0.03	0.09	0.59	0.10	-0.38
EBIT Growth (%)	-31.15	33.34	-23.07	-7.11	-0.99	-37.11
Net Profit Growth (%)	5.04	27.00	-20.96	-6.76	-1.57	-37.68
EPS Growth (%)	4.56	0.27	-0.19	-0.06	0.00	-0.37
Book Value Growth (%)	9.46	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	12.10	9.32	12.07	7.45	7.57	7.33
Price / Book Value	1.17	0.86	0.96	0.81	0.99	1.08
Dividend Yield (%)	0.97	--	--	--	--	--
EV/EBITDA	--	0.18	1.89	-0.62	4.37	2.53
Close Price ($)	32.77	24.95	25.54	19.50	21.18	20.53
High Price ($)	34.34	27.46	31.17	21.85	23.95	23.99
Low Price ($)	22.42	19.22	16.92	14.69	19.61	16.00
Market Cap ($ Cr)	231.77	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.59	0.66	0.68	0.84	0.90	0.85
Short term debt to equity ratio	0.08	0.09	0.01	0.01	0.00	0.09
Current Ratio	15.36	15.31	0.14	0.16	0.12	0.16
Quick Ratio	15.36	--	--	0.02	0.22	0.30
Interest Coverage	1.36	0.33	0.23	0.35	1.19	2.21

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	6.36	6.87	6.29	12.08	29.55	38.60
Asset Turnover	0.05	0.06	0.06	0.06	0.04	0.04
Receivable days	--	23.69	31.66	56.03	117.79	169.89
Inventory Days	--	--	1,154.63	249.80	-3,075.80	-8,327.31
Payable days	--	--	--	137.33	352.88	763.23
Cash Conversion Cycle	--	--	--	168.50	-3,310.88	-8,920.66

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.