Quarter
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CF Bankshares Inc.

CFBK

CIK 0001070680 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$30M
↑+0.3% +$75Kvs FY2024 (Q4)
Operating Income
$30M
↑+0.2% +$66Kvs FY2024 (Q4)
Net Income
$6M
↑+29.9% +$1Mvs FY2024 (Q4)
Gross Profit
$30M
↑+0.3% +$75Kvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
18/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    89D/E 0.21 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.06x (1.0+ = capital-efficient)
  • Growth
    18Revenue YoY +0.3% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project CFBK's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was -22.3%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$40.13
Total enterprise IV
$254M
Diluted shares
0.01B
Terminal PV
$179M (70% of total)
Year-5 FCF
$21M
YearProjected FCFDiscounted PV
+1$19M$17M
+2$19M$16M
+3$20M$15M
+4$20M$14M
+5$21M$13M
Terminal$288M$179M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$487K
investment in PP&E
Dividends paid (TTM)
$2M
cash returned to holders
Stock buybacks (TTM)
$1M
share count reduction
Stock-based comp (TTM)
$1M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$2.12B
everything owned
Total liabilities
$1.93B
everything owed
Stockholders' equity
$184M
shareholder claim
Net debt
$-230M
Net cash position ($230M)

Recent performance · 64 quarters

Revenue↑+0.3% +$75K
$30M
Net Income↑+29.9% +$1M
$6M
Free Cash Flow↓-75.9% -$9M
$3M

Drill down

CFBK Sankey

See CF Bankshares Inc.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

CFBK Charts

64 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

CFBK Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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