CF Bankshares Inc. (CFBK)

Nasdaq: CFBK · National Commercial Banks · Columbus, OH · filing with the SEC since 1998

Grade4.4

◀ Past 4.9● Present 4.6▶ Future 3.4

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 12, 2026	Mar 14, 2025	Mar 29, 2024	Mar 31, 2023	Mar 16, 2022	Mar 23, 2021	Mar 16, 2020	Mar 15, 2019	Mar 15, 2018	Mar 15, 2017
For lenders
Interest and dividend income	119,995	118,389	108,279	67,764	52,348	42,386	35,104	24,886	17,207	14,409
Interest expense on deposits and borrowings	64,972	71,745	60,639	18,974	·	·	·	·	·	·
Net interest income	55,023	46,644	47,640	48,790	42,039	27,808	21,700	17,889	13,673	11,313
Provision for credit losses	8,247	6,737	2,317	787	-1,600	10,915	·	·	·	230
Net interest income after provision	46,776	39,907	45,323	48,003	43,639	16,893	21,700	17,889	13,673	11,083
Noninterest income	5,927	5,175	4,031	3,210	11,640	59,993	11,720	2,716	743	1,177
Noninterest expense	31,176	28,938	28,369	28,621	32,461	40,603	21,379	15,275	10,955	9,823
Interest expense	·	·	60,639	18,974	10,309	14,578	13,404	6,997	3,534	3,096
Income before income taxes	21,527	16,144	20,985	22,592	22,818	36,283	12,041	5,330	3,461	2,437
Income tax expense	3,986	2,757	4,048	4,428	4,365	6,675	2,440	1,057	2,115	810
Net income	17,541	13,387	16,937	18,164	18,453	29,608	9,601	4,273	1,346	1,627
Net income to common shareholders	17,001	13,026	16,937	18,164	18,453	27,328	9,390	4,335	680	770
Earnings per share, basic	2.70	2.08	2.64	2.84	2.84	4.53	2.05	1.02	0.21^r	0.275^b
Earnings per share, diluted	2.69	2.06	2.63	2.78	2.77	4.47	2.03	1.00	0.19^r	0.275^b
Weighted average shares, basic	6,290,072	6,274,571	6,421,088	6,397,053	6,508,156	6,029,097	4,581,465	4,260,617	·	·
Weighted average shares, diluted	6,331,799	6,308,992	6,447,447	6,535,160	6,650,447	6,106,987	4,628,564	4,343,730	3,506,609^r	2,919,824^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the change of share basis of Sep 2019.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CFBK · research, not advice