CF Bankshares Inc. (CFBK)
Operating cash flow minus capital spending left $18.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $248.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about CF Bankshares Inc.
- Net worth
- CF Bankshares Inc. has a market value (market cap) of $225.5M at the latest share price, and shareholders' equity of $199.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $18.7M of cash; after $487K of capital spending, free cash flow was $18.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- CF Bankshares Inc.'s next report is expected around February 4, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- CF Bankshares Inc. declared dividends of $0.30 per share in fiscal 2025, a yield of 0.85% at the current price.
What CF Bankshares Inc. does
CF Bankshares Inc. is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker CFBK.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $17.5M | $2.69 | $18.2M |
| 2024 | n/a | $13.4M | $2.06 | $13.9M |
| 2023 | n/a | $16.9M | $2.63 | $17.4M |
| 2022 | n/a | $18.2M | $2.78 | $38.9M |
| 2021 | n/a | $18.5M | $2.77 | $250.3M |
| 2020 | n/a | $29.6M | $4.47 | -$123.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
CF Bankshares Inc. declared $0.30 per share in fiscal 2025. At the current price that is a yield of 0.85%. It paid out $1.9M in cash dividends, 11% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.30 | $1.9M | 11% |
| 2024 | $0.25 | $1.6M | 12% |
| 2023 | $0.23 | $1.5M | 9% |
| 2022 | $0.18 | $1.2M | 6% |
| 2021 | $0.13 | $848K | 5% |
| 2020 | $0.03 | $195K | 1% |
Latest SEC filings
What CF Bankshares Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- October 27, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 7, 2026
- July 28, 2026
- July 27, 2026Passive stake (5% or more) SCHEDULE 13G
- May 28, 2026
- May 27, 2026
- May 18, 2026Passive stake changed SCHEDULE 13G/A
- May 11, 2026
Insider trades
What the people running CF Bankshares Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $14.1K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 11, 2026 | McKinney MarianneEVP & Chief Operating Officer | Sold | 400 | $14.1K |
| August 4, 2026 | Hoeweler Robert EDirector | Gave as a gift | 1,000 | - |
| June 11, 2026 | O'Dell Timothy TCEO, Director | Shares withheld for tax | 1,932 | $58.4K |
| May 21, 2026 | Hoeweler Robert EDirector | Gave as a gift | 1,450 | - |
| April 11, 2026 | O'Dell Timothy TCEO, Director | Shares withheld for tax | 5,000 | $147.5K |
| April 11, 2026 | McKinney MarianneEVP & Chief Operating Officer | Shares withheld for tax | 247 | $7.3K |
| April 11, 2026 | Meder TimothyEVP & Chief Credit Officer | Shares withheld for tax | 267 | $7.9K |
| April 11, 2026 | Ringwald Bradley JBank President, Director | Shares withheld for tax | 592 | $17.5K |
Who owns CFBK
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Edward W. Cochran13D, may seek influence | 5.5% | February 13, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 102 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 377,718 | +67,406 |
| Vanguard Capital Management LLC | 209,107 | +7,106 |
| First Manhattan Co. LLC. | 187,022 | 0 |
| Two Sigma Investments, LP | 171,288 | +122,387 |
| Fourthstone LLC | 159,824 | -479,554 |
| Daytona Street Capital LLC | 151,386 | 0 |
| Rhino Investment Partners, Inc | 135,517 | +10,140 |
| Dimensional Fund Advisors LP | 123,250 | +31,128 |
| Geode Capital Management, LLC | 118,800 | +11,793 |
| Marshall Wace, Llp | 118,575 | +86,054 |
| Fifth Third Bancorp | 114,914 | 0 |
| Citadel Advisors LLC | 104,173 | +62,572 |
| Renaissance Technologies LLC | 102,423 | +7,944 |
| American Century Companies Inc | 82,743 | +31,513 |
| Qube Research & Technologies Ltd | 81,985 | +40,095 |
| UBS Group AG | 79,583 | +75,627 |
| State Street Corp | 73,002 | +17,419 |
| Alliancebernstein L.P. | 74,726 | -165,837 |
| McDonald Partners LLC | 58,702 | -725 |
| Aqr Capital Management LLC | 49,122 | +10,474 |
Insiders
10 insiders reported holding 1,037,972 shares in total, about $36.5M at the last price.
| Holder | Shares |
|---|---|
| Cochran Edward WDirector | 353,413 |
| O'Dell Timothy TCEO, Director | 295,939 |
| Frauenberg James H IIDirector | 117,930 |
| Hoeweler Robert EDirector | 75,112 |
| Ash Thomas PDirector | 52,419 |
| Royer David LDirector | 41,187 |
| Ringwald Bradley JBank President, Director | 37,680 |
| Beerman Kevin JEVP & Chief Financial Officer | 33,817 |
| Meder TimothyEVP & Chief Credit Officer | 16,256 |
| McKinney MarianneEVP & Chief Operating Officer | 14,219 |
Questions about CFBK
What does CF Bankshares Inc. do?
CF Bankshares Inc. is a company in the Finance sector, listed on NASDAQ as CFBK. Its shares trade on NASDAQ under the ticker CFBK.
What is CF Bankshares Inc.'s net worth?
CF Bankshares Inc. has a market value (market cap) of $225.5M at the latest share price, and shareholders' equity of $199.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is CF Bankshares Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $22.7M.
When did CF Bankshares Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is CF Bankshares Inc.'s next earnings report?
CF Bankshares Inc.'s next report is expected around February 4, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does CF Bankshares Inc. pay a dividend?
Yes. CF Bankshares Inc. declared dividends of $0.30 per share in fiscal 2025, a yield of 0.85% at the current price.
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Where the numbers come from
Financial figures are the values CF Bankshares Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.