Financial Snapshot

Revenue
$88.40M
TTM
Gross Margin
Net Earnings
$13.21M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$164.0M
Q3 2024
Cash
Q3 2024
P/E
13.67
Nov 29, 2024 EST
Free Cash Flow
$10.70M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue $108.3M $67.76M $52.35M $42.39M $35.10M $24.89M $17.21M $7.268M $9.656M $12.62M
YoY Change 59.79% 29.45% 23.5% 20.74% 41.06% 44.63% -24.73% -23.47%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue $108.3M $67.76M $52.35M $42.39M $35.10M $24.89M $17.21M $7.268M $9.656M $12.62M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $567.0K $496.0K $435.0K $381.0K $316.0K $248.0K $208.0K $200.0K $200.0K $400.0K $600.0K $237.0K $384.0K $508.0K $500.0K $600.0K $500.0K $400.0K $400.0K $600.0K $200.0K $0.00 $0.00 -$100.0K $200.0K $200.0K $100.0K $300.0K
YoY Change 14.31% 14.02% 14.17% 20.57% 27.42% 19.23% 4.0% 0.0% -50.0% -33.33% 153.16% -38.28% -24.41% 1.6% -16.67% 20.0% 25.0% 0.0% -33.33% 200.0% -100.0% -150.0% 0.0% 100.0% -66.67% -25.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Interest Expense $60.64M $18.97M $10.31M $14.58M $13.40M $6.997M $3.534M $2.633M $3.478M $4.183M
YoY Change 219.59% 84.05% -29.28% 8.76% 91.57% 97.99% -24.3% -16.85%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Pretax Income $20.99M $22.59M $22.82M $36.28M $12.04M $5.330M $3.461M $2.440M $1.280M $480.0K -$920.0K -$3.766M -$5.425M -$6.672M -$8.310M $980.0K -$80.00K -$80.00K -$3.670M -$2.530M -$3.360M $990.0K $910.0K $430.0K -$50.00K $330.0K $890.0K $330.0K
YoY Change -7.11% -0.99% -37.11% 201.33% 125.91% 54.0% 41.84% 90.63% 166.67% -152.17% -75.57% -30.58% -18.69% -19.71% -947.96% -1325.0% 0.0% -97.82% 45.06% -24.7% -439.39% 8.79% 111.63% -960.0% -115.15% -62.92% 169.7% -66.33%
Income Tax $4.048M $4.428M $4.365M $6.675M $2.440M $1.057M $2.115M $810.0K -$3.190M $0.00 $0.00 $0.00 $0.00 $198.0K $1.580M $260.0K -$60.00K -$40.00K -$380.0K -$870.0K -$990.0K $310.0K $310.0K $150.0K -$10.00K $120.0K $210.0K $50.00K
% Of Pretax Income 19.29% 19.6% 19.13% 18.4% 20.26% 19.83% 61.11% 33.2% -249.22% 0.0% 26.53% 31.31% 34.07% 34.88% 36.36% 23.6% 15.15%
Net Earnings $16.94M $18.16M $18.45M $29.61M $9.601M $4.273M $1.346M $1.630M $4.480M $480.0K -$920.0K -$3.766M -$5.425M -$6.870M -$9.890M $720.0K -$20.00K -$40.00K -$3.290M -$1.660M -$2.370M $670.0K $600.0K $280.0K -$40.00K $210.0K $680.0K $290.0K
YoY Change -6.76% -1.57% -37.68% 208.38% 124.69% 217.46% -17.42% -63.62% 833.33% -152.17% -75.57% -30.58% -21.03% -30.54% -1473.61% -3700.0% -50.0% -98.78% 98.19% -29.96% -453.73% 11.67% 114.29% -800.0% -119.05% -69.12% 134.48% -56.72%
Net Earnings / Revenue 15.64% 26.8% 35.25% 69.85% 27.35% 17.17% 7.82% -51.82% -56.18% -54.45%
Basic Earnings Per Share $2.64 $2.84 $2.84 $4.53 $2.05 $1.02 $0.21 $0.14 -$7.09 -$8.85
Diluted Earnings Per Share $2.63 $2.78 $2.77 $4.47 $2.03 $1.00 $0.19 $558.2K $1.085M $166.7K -$319.4K $0.14 -$7.09 -$8.85 -$65.93M $4.800M -$125.0K -$250.0K -$41.13M -$23.71M -$33.86M $11.17M $10.00M $4.667M -$666.7K $3.000M $9.714M $4.143M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $9.033M $5.135M $7.800M $5.100M $5.800M $3.900M $3.500M $3.400M $3.600M $3.800M $3.500M $5.300M $5.500M $6.000M $7.000M $5.200M $5.700M $4.100M $2.900M $2.700M $1.900M $800.0K $800.0K $1.100M $1.200M $2.100M $1.600M $1.400M
YoY Change 75.91% -34.17% 52.94% -12.07% 48.72% 11.43% 2.94% -5.56% -5.26% 8.57% -33.96% -3.64% -8.33% -14.29% 34.62% -8.77% 39.02% 41.38% 7.41% 42.11% 137.5% 0.0% -27.27% -8.33% -42.86% 31.25% 14.29%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $1.930M $1.600M $2.000M $2.000M $2.000M $1.500M $900.0K
YoY Change -100.0% -20.0% 0.0% 0.0% 33.33% 66.67%
Total Long-Term Assets
YoY Change
Total Assets $2.059B $1.820B $1.496B $1.477B $880.5M $665.0M $481.4M $436.1M $351.3M $315.6M $255.7M $215.0M $250.9M $275.2M $273.7M $277.8M $279.6M $236.0M $173.0M $171.0M $107.0M $110.6M $120.9M $140.9M $142.5M $133.4M $118.3M $124.2M
YoY Change
Accounts Payable $26.75M $23.67M $14.50M $21.90M $6.800M $4.600M $3.000M $2.400M $2.200M $2.700M $2.300M $2.500M $2.900M $2.600M $2.100M $2.700M $3.100M $1.500M $1.100M $1.000M $900.0K $1.500M $100.0K $600.0K $200.0K $100.0K $200.0K $200.0K
YoY Change 13.0% 63.24% -33.79% 222.06% 47.83% 53.33% 25.0% 9.09% -18.52% 17.39% -8.0% -13.79% 11.54% 23.81% -22.22% -12.9% 106.67% 36.36% 10.0% 11.11% -40.0% 1400.0% -83.33% 200.0% 100.0% -50.0% 0.0%
Accrued Expenses $5.302M $1.438M $2.000M $1.500M $2.000M
YoY Change 268.71% -28.1% 33.33% -25.0%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $6.500M $2.200M $0.00 $4.900M $7.000M $7.000M $0.00
YoY Change -100.0% -100.0% -30.0% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $32.05M $25.11M $16.50M $23.40M $8.800M $4.600M $3.000M $2.400M $2.200M $2.700M $2.300M $2.500M $2.900M $2.600M $2.100M $2.700M $3.100M $1.500M $1.100M $1.000M $900.0K $1.500M $100.0K $600.0K $200.0K $100.0K $200.0K $200.0K
YoY Change 27.64% 52.17% -29.49% 165.91% 91.3% 53.33% 25.0% 9.09% -18.52% 17.39% -8.0% -13.79% 11.54% 23.81% -22.22% -12.9% 106.67% 36.36% 10.0% 11.11% -40.0% 1400.0% -83.33% 200.0% 100.0% -50.0% 0.0%
Long-Term Debt $14.96M $14.92M $14.90M $14.80M $14.80M $14.80M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.26% 0.15% 0.68% 0.0% 0.0% 184.62% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Other Long-Term Liabilities $2.179M $3.513M $2.800M $1.000M $900.0K $800.0K $500.0K $400.0K $700.0K $400.0K $600.0K $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K $100.0K $100.0K $300.0K $200.0K $400.0K $1.100M $900.0K $900.0K $900.0K $800.0K $700.0K
YoY Change -37.97% 25.46% 180.0% 11.11% 12.5% 60.0% 25.0% -42.86% 75.0% -33.33% 200.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 0.0% -66.67% 50.0% -50.0% -63.64% 22.22% 0.0% 0.0% 12.5% 14.29%
Total Long-Term Liabilities $17.14M $18.44M $17.70M $15.80M $15.70M $15.60M $5.700M $5.600M $5.900M $5.600M $5.800M $5.400M $5.400M $5.400M $5.400M $5.400M $5.400M $5.300M $5.300M $5.500M $5.400M $400.0K $1.100M $900.0K $900.0K $900.0K $800.0K $700.0K
YoY Change -7.02% 4.15% 12.03% 0.64% 0.64% 173.68% 1.79% -5.08% 5.36% -3.45% 7.41% 0.0% 0.0% 0.0% 0.0% 0.0% 1.89% 0.0% -3.64% 1.85% 1250.0% -63.64% 22.22% 0.0% 0.0% 12.5% 14.29%
Total Liabilities $1.903B $1.681B $1.370B $1.367B $799.9M $619.5M $441.2M $396.8M $313.0M $281.1M $232.9M $191.4M $241.0M $259.2M $250.5M $244.7M $252.2M $206.9M $156.9M $151.5M $87.20M $93.00M $102.8M $123.1M $113.3M $101.7M $104.1M $110.9M
YoY Change 13.23% 22.67% 0.26% 70.87% 29.12% 40.41% 11.19% 26.77% 11.35% 20.7% 21.68% -20.58% -7.02% 3.47% 2.37% -2.97% 21.89% 31.87% 3.56% 73.74% -6.24% -9.53% -16.49% 8.65% 11.41% -2.31% -6.13%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Basic Shares Outstanding 6.421M 6.397M 6.508M 6.029M 4.581M
Diluted Shares Outstanding 6.447M 6.535M 6.650M 6.107M 4.629M 6.316B shares 820.6M shares 819.0M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $180.45 Million

About CF BANKSHARES INC.

CF Bankshares, Inc. operates as a financial holding company which is engaged in the provision of business banking products and services. The company is headquartered in Columbus, Ohio and currently employs 103 full-time employees. CFBank is a commercial bank, which operates primarily in four markets including, Columbus, Cleveland and Cincinnati, Ohio, and Indianapolis, Indiana. CFBank provides comprehensive commercial, retail and mortgage lending services presence. CFBank provides commercial loans and equipment leases, commercial and residential real estate loans and treasury management depository services, residential mortgage lending, and full-service commercial and retail banking services and products. Its loan and lease portfolio consists primarily of commercial, commercial real estate and multi-family mortgage loans, mortgage loans secured by single-family residences and, to a lesser degree, consumer loans. CFBank also finances a variety of commercial and residential construction projects. CFBank also offers its clients the convenience of online Internet banking, mobile banking and remote deposit capabilities.

Industry: National Commercial Banks Peers: BV Financial, Inc. ECB Bancorp, Inc. /MD/ Oconee Federal Financial Corp. Randolph Bancorp, Inc. Rhinebeck Bancorp, Inc. PROVIDENT FINANCIAL HOLDINGS INC Rocket Companies, Inc. SECURITY NATIONAL FINANCIAL CORP