CF Bankshares Inc. (CFBK)
Nasdaq · National Commercial Banks · Finance, insurance and real estate · CIK 1070680 · fiscal year ends in Dec
Closing price $34.15 on 30 Oct 2026; 52-week range $22.41 to $36.31.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $62.6M
- Revenue growth
- 10.3%
- Net income, last twelve months
- $19.0M
- Earnings per share
- $2.91
- Net margin
- 30.4%
- Free cash flow
- $17.9M
- Return on equity
- 9.8%
- Market value
- $217.3M
- Price to earnings
- 11.7x
- Dividend yield
- 1.0%
- Cash
- $253.1M
- Debt
- $114.3M
- Debt to equity
- 0.59
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $61.0M | – | $17.5M | $2.69 | $18.2M | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $51.8M | – | $13.4M | $2.06 | $13.9M | 10-K filed 14 Mar 2025 |
| FY2023 | 31 Dec 2023 | $51.7M | – | $16.9M | $2.63 | $17.4M | 10-K filed 29 Mar 2024 |
| FY2022 | 31 Dec 2022 | $52.0M | – | $18.2M | $2.78 | $38.9M | 10-K filed 31 Mar 2023 |
| FY2021 | 31 Dec 2021 | $53.7M | – | $18.5M | $2.77 | $250.3M | 10-K filed 16 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $16.5M | $5.9M | $0.90 |
| Q1 FY2026 | 31 Mar 2026 | $14.8M | $5.0M | $0.77 |
| Q4 FY2025 | 31 Dec 2025 | $15.7M | $5.7M | $0.88 |
| Q3 FY2025 | 30 Sep 2025 | $15.5M | $2.3M | $0.36 |
| Q2 FY2025 | 30 Jun 2025 | $15.6M | $5.0M | $0.77 |
| Q1 FY2025 | 31 Mar 2025 | $14.1M | $4.4M | $0.68 |
| Q4 FY2024 | 31 Dec 2024 | $14.0M | $4.4M | $0.68 |
| Q3 FY2024 | 30 Sep 2024 | $13.1M | $4.2M | $0.65 |
Company events
The newest 8-K filings of 252 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 27 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 28 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 28 May 2026 | 8-K | Shareholder vote | 5.07 |
| 27 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 5 May 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 26 Mar 2026 | 8-K | Leadership change | 5.02 |
| 5 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 18 Dec 2025 | 8-K | Other events | 8.01, 9.01 |
| 17 Dec 2025 | 8-K | Leadership change | 5.02 |
| 1 Dec 2025 | 8-K | Other events | 8.01 |
| 3 Nov 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 527 held.
| Filed | Form | Period |
|---|---|---|
| 27 Oct 2026 | 8-K | 27 Oct 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 28 Jul 2026 | 8-K | 28 Jul 2026 |
| 28 May 2026 | 8-K | 27 May 2026 |
| 27 May 2026 | 8-K | 27 May 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 5 May 2026 | 8-K | 5 May 2026 |
| 24 Apr 2026 | 8-K | 24 Apr 2026 |
| 23 Apr 2026 | DEF 14A | 23 Apr 2026 |
| 26 Mar 2026 | 8-K | 25 Mar 2026 |
| 12 Mar 2026 | 10-K | 31 Dec 2025 |
| 5 Feb 2026 | 8-K | 5 Feb 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 11 Sep 2026 | Mckinney Marianne, EVP & Chief Operating Officer | Sale outside a trading plan | 400 | $35.36 | $14.1K | 14,219 | 14 Sep 2026 |
| 11 Dec 2025 | Frauenberg James H Ii, Director | Purchase | 210 | $23.78 | $5.0K | 114,430 | 17 Dec 2025 |
| 16 Dec 2025 | Ringwald Bradley J, Bank President | Purchase | 1,000 | $24.07 | $24.1K | 29,399 | 16 Dec 2025 |
| 15 Dec 2025 | Hoeweler Robert E, Director | Purchase | 1,000 | $23.87 | $23.9K | 72,062 | 16 Dec 2025 |
| 12 Dec 2025 | Beerman Kevin J, EVP & Chief Financial Officer | Purchase | 217 | $23.84 | $5.2K | 25,317 | 12 Dec 2025 |
| 4 Dec 2025 | Ash Thomas P, Director | Purchase | 200 | $23.91 | $4.8K | 47,419 | 8 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Fourthstone LLC | 13G amended | 2.49% | 159.8K |
| 27 Jul 2026 | BlackRock, Inc. | 13G | 5.1% | 327.8K |
| 18 May 2026 | AllianceBernstein L.P. | 13G amended | 3.7% | 240.6K |
| 13 Feb 2026 | Timothy T. O'Dell | 13G amended | 4.71% | 300.2K |
| 13 Feb 2026 | Edward W. Cochran | 13D amended | 5.5% | 349.9K |
| 3 Feb 2026 | Castle Creek Capital Partners VI, LP | 13D amended | 3.9% | 312.8K |
| 16 Dec 2025 | Castle Creek Capital Partners VII, LP | 13D amended | 4.8% | 308.3K |
| 10 Dec 2025 | Castle Creek Capital Partners VII, LP | 13D amended | 6.1% | 388.1K |
| 28 Nov 2025 | Castle Creek Capital Partners VII, LP | 13D amended | 7.2% | 456.0K |
| 14 Nov 2025 | Fourthstone LLC | 13G amended | 9.5% | 596.3K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 92.1K | -10.23% | 3.17 |
| 30 Sep 2026 | 102.6K | -20.89% | 2.77 |
| 15 Sep 2026 | 129.7K | +14.73% | 3.73 |
| 31 Aug 2026 | 113.0K | +19.78% | 2.73 |
| 14 Aug 2026 | 94.4K | -7.39% | 1.7 |
| 31 Jul 2026 | 101.9K | +68.71% | 1.31 |
| 15 Jul 2026 | 60.4K | +16.14% | 1 |
| 30 Jun 2026 | 52.0K | +16.61% | 1 |
Funds that hold it
From each fund's latest Form 13F.
107 funds held it at 30 Jun 2026: 68 added and 15 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 377,718 | $12.4M | +67,406 |
| Vanguard Capital Management LLC | 209,107 | $6.9M | +7,106 |
| First Manhattan Co. LLC. | 187,022 | $6.1M | 0 |
| Two Sigma Investments, LP | 171,288 | $5.6M | +122,387 |
| Fourthstone LLC | 159,824 | $5.3M | -479,554 |
| Daytona Street Capital LLC | 151,386 | $4.8M | 0 |
| Acadian Asset Management LLC | 141,556 | $4.6M | +17,162 |
| Rhino Investment Partners, Inc | 135,517 | $4.4M | +10,140 |
| Dimensional Fund Advisors LP | 123,250 | $4.0M | +31,128 |
| Geode Capital Management, LLC | 118,800 | $3.9M | +11,793 |
Peers
Companies in the same industry.
- JPMorgan Chase & Co. (JPM): revenue $199.4B, market value $896.1B
- Bank of America Corp. (BAC): revenue –, market value $346.2B
- Wells Fargo & Company (WFC): revenue $87.2B, market value $250.4B
- Citigroup Inc. (C): revenue $91.4B, market value $205.7B
- Capital One Financial Corp. (COF): revenue $62.0B, market value $125.7B
- Mizuho Financial Group Inc. (MFG): revenue $29.9B, market value $118.3B
- U.S. Bancorp (USB): revenue $29.6B, market value $92.6B
- PNC Financial Services Group, Inc. (PNC): revenue $25.0B, market value $90.9B
- Truist Financial Corp. (TFC): revenue $19.4B, market value $58.5B
- Huntington Bancshares Inc. (HBAN): revenue $10.4B, market value $31.8B