CF BANKSHARES INC.
CFBKNasdaqFinancials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $17.5M | $13.4M | $16.9M | $18.2M | $18.5M | $29.6M |
| Total assets | $2.12B | $2.07B | $2.06B | $1.82B | $1.50B | $1.48B |
| Total liabilities | $1.93B | $1.90B | $1.90B | $1.68B | $1.37B | $1.37B |
| Equity | $184.4M | $168.4M | $155.4M | $139.2M | $125.3M | $110.2M |
| EPS (diluted) | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 | $4.47 |
| Shares out. | 6.3M | 6.3M | 6.4M | 6.5M | 6.7M | 5.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.5%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.3%
- Debt / equity
- 10.48×
- Book value / share
- $29.13
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 31.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Alliancebernstein L.P.Passive (13G)May 18, 2026
- O'Dell Timothy TPassive (13G)Feb 13, 2026
- Cochran Edward WActivist (13D)Feb 13, 2026
- Castle Creek Capital Partners Vi, LpActivist (13D)Feb 3, 2026
- Castle Creek Capital Partners Vii, LpActivist (13D)Dec 16, 2025
- Fourthstone LlcPassive (13G)Nov 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 41,160 | 1.7 | -6.7% |
| Apr 30, 2026 | 44,117 | 1.4 | -17.5% |
| Apr 15, 2026 | 53,497 | 2.1 | -18.9% |
| Mar 31, 2026 | 65,991 | 1.6 | +9.8% |
| Mar 13, 2026 | 60,088 | 1.1 | +30.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 28, 2026
- Regulation FD disclosureMay 27, 2026
- Results of operationsMay 5, 2026
- Regulation FD disclosureApr 24, 2026
- Director / officer changeMar 26, 2026
- Results of operationsFeb 5, 2026
- Other material eventDec 18, 2025
- Director / officer changeDec 17, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.