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CF Bankshares CFBK Q3 2025 earnings

Reported November 3, 2025 · Before market open

Revenue$15.3MMiss by $630.0K
EPS$0.36Miss by $0.48
Revenue estimate$15.9M
EPS estimate$0.84

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$15.5M+18.7%
Net income$2.3M-44.4%
EPS (diluted)$0.36-44.6%

Balance sheet

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Cash & equivalents$272.4M+16.6%
Total debt$6.0M-5.5%
Total equity$179.3M+9.3%
Total assets$2.1B+2.2%

Cash flow

See full
Operating cash flow$5.5M—
CapEx$263.0K+839%
Free cash flow$5.2M—

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$154.33M+11.6%
Enterprise value-$112M-26.1%
P/E9.5×-1.0×
P/S2.6×-0.1×

Profitability

See full
Net margin27.4%+1.3pp
FCF margin46.7%+25.4pp

Returns & leverage

See full
Return on equity9.5%+1.1pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$16.5MBeat by $245.0KQ1 2026$14.8MMiss by $1.6MQ4 2025$15.7MMiss by $440.0K
Q3 2025$15.3MMiss by $630.0K
Q2 2025$15.4MMiss by $496.0KQ1 2025$30.1M

Diluted EPS

Q2 2026$0.90Beat by $0.01Q1 2026$0.77Miss by $0.04Q4 2025$0.88Beat by $0.12
Q3 2025$0.36Miss by $0.48
Q2 2025$0.77Beat by $0.05Q1 2025$0.68

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Questions, answered.

When did CF Bankshares report Q3 2025 earnings?
CF Bankshares (CFBK) reported Q3 2025 earnings on November 3, 2025 before market open.
What were CF Bankshares's Q3 2025 revenue and EPS?
CF Bankshares reported revenue of $15.3M and eps of $0.36 for Q3 2025.
Did CF Bankshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $15.9M by $630.0K. EPS missed the consensus estimate of $0.84 by $0.48.
How did CF Bankshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.3% from $12.8M a year earlier and eps declined 44.6% from $0.65.
Where can I find CF Bankshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-261792) and the 10-Q periodic report (0001193125-25-271208) directly on SEC EDGAR. The filing index links above go to sec.gov.