Skip to content
OpenCapital
Get started

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

Date not yet announced

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

See full
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

See full
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

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

Returns & leverage

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

Versus estimates

Revenue

Q2 2026$16.5MBeat by $245.0KQ1 2026$14.8MMiss by $1.6M
Q4 2025$15.7MMiss by $440.0K
Q3 2025$15.3MMiss by $630.0KQ2 2025$15.4MMiss by $496.0KQ1 2025$30.1M

Diluted EPS

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

Ask the moment CF Bankshares reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

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.