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CF Bankshares CFBK Q4 2025 Annual earnings

Reported February 5, 2026 · Before market open

Revenue$15.7MMiss by $440.0K
EPS$0.88Beat by $0.12
Revenue estimate$16.2M
EPS estimate$0.76

Next report

Nov 2, 2026 (in a month)
Revenue estimate$16.8M
EPS estimate$0.91

Financials

Q4 2025

Income statement

See full
Revenue$15.7M+12.6%
Net income$5.7M+29.9%
EPS (diluted)$0.88+29.4%

Balance sheet

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Cash & equivalents$259.0M+10.1%
Total debt$5.9M-5.6%
Total equity$184.4M+9.5%
Total assets$2.1B+2.5%

Cash flow

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Operating cash flow$3.0M-75.9%
CapEx$55.0K-75.8%
Free cash flow$3.0M-75.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$160.77M-1.4%
Enterprise value-$92.32M-40.0%
P/E9.2×-3.0×
P/S2.6×-0.5×

Profitability

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Net margin28.8%+2.9pp
FCF margin29.9%+0.5pp

Returns & leverage

See full
Return on equity9.9%+1.7pp
Debt / equity0×0.0×

FAQ

When did CF Bankshares report Q4 2025 earnings?
CF Bankshares (CFBK) reported Q4 2025 earnings on February 5, 2026 before market open.
What were CF Bankshares's Q4 2025 revenue and EPS?
CF Bankshares reported revenue of $15.7M and eps of $0.88 for Q4 2025.
Did CF Bankshares beat estimates in Q4 2025?
Revenue missed the consensus estimate of $16.2M by $440.0K. EPS beat the consensus estimate of $0.76 by $0.12.
How did CF Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.5% from $13.5M a year earlier and eps grew 29.4% from $0.68.
Where can I find CF Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-038599) and the 10-K periodic report (0001193125-26-103638) directly on SEC EDGAR. The filing index links above go to sec.gov.