CF Bankshares(CFBK)
$35.30+0.11 (+0.30%)
CFBK
CF Bankshares financials statements
$35.30
At close:+0.11 (+0.30%)
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CF Bankshares (CFBK) Ratios
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CF Bankshares Ratios
CFBK's free cash flow for Q3 2026 was $8.40M. For the 2026 fiscal year, CFBK's free cash flow was decreased by $-29.00K and operating cash flow was $8.43M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 15.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Quick Ratio | 15.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Cash Ratio | 15.31 | 0.13 | 0.15 | 0.10 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 1.10 | 0.01 | 0.01 | 0.03 | 0.20 |
| Short-Term Operating Cash Flow Coverage | 1.10 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.67B | $ -1.65B | $ -1.62B | $ -1.50B | $ -1.16B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 |
| Debt-to-Equity Ratio | 0.66 | 0.68 | 0.84 | 0.90 | 0.85 |
| Debt-to-Capital Ratio | 0.40 | 0.40 | 0.46 | 0.47 | 0.46 |
| Long-Term Debt-to-Capital Ratio | 0.35 | 0.39 | 0.45 | 0.47 | 0.45 |
| Financial Leverage Ratio | 11.48 | 12.26 | 13.25 | 13.07 | 11.93 |
| Debt Service Coverage Ratio | 0.22 | 0.19 | 0.29 | 0.98 | 1.83 |
| Interest Coverage Ratio | 0.33 | 0.23 | 0.35 | 1.19 | 2.21 |
| Debt to Market Cap | 0.75 | 0.67 | 1.00 | 0.92 | 0.78 |
| Interest Debt Per Share | 29.71 | 29.59 | 29.73 | 22.63 | 17.97 |
| Net Debt to EBITDA | -6.23 | -7.30 | -6.10 | -1.13 | -2.58 |
| Profitability Margins | |||||
| Gross Profit Margin | 41.85% | 35.76% | 43.63% | 71.88% | 86.31% |
| EBIT Margin | 17.10% | 13.22% | 18.79% | 32.15% | 35.86% |
| EBITDA Margin | 17.48% | 13.61% | 19.30% | 32.85% | 36.54% |
| Operating Profit Margin | 17.10% | 13.22% | 18.79% | 32.15% | 35.86% |
| Pretax Profit Margin | 17.10% | 13.22% | 18.79% | 32.15% | 35.86% |
| Net Profit Margin | 13.50% | 10.96% | 15.16% | 25.85% | 29.00% |
| Continuous Operations Profit Margin | 13.93% | 10.96% | 15.16% | 25.85% | 29.00% |
| Net Income Per EBT | 78.98% | 82.92% | 80.71% | 80.40% | 80.87% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.80% | 0.65% | 0.82% | 1.00% | 1.23% |
| Return on Equity (ROE) | 9.22% | 7.95% | 10.90% | 13.04% | 14.72% |
| Return on Capital Employed (ROCE) | 1.02% | 5.21% | 6.67% | 8.41% | 9.72% |
| Return on Invested Capital (ROIC) | 0.83% | 4.32% | 5.38% | 6.76% | 7.86% |
| Return on Tangible Assets | 0.80% | 0.65% | 0.82% | 1.00% | 1.23% |
| Earnings Yield | 10.83% | 8.35% | 13.53% | 13.41% | 13.81% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.55 | 15.91 | 8.28 | 3.38 | 2.59 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.83 | 0.60 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 13.65 | 12.70 | 12.36 | 13.69 | 8.16 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.20 | -0.08 | -0.08 | -0.06 | -0.07 |
| Cash Conversion Cycle | 25.09 | 22.95 | 44.11 | -329.34 | -467.37 |
| Days of Sales Outstanding | 25.09 | 22.95 | 44.11 | 107.86 | 140.88 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 437.20 | 608.25 |
| Operating Cycle | 25.09 | 22.95 | 44.11 | 107.86 | 140.88 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.97 | 2.26 | 2.81 | 6.22 | 38.92 |
| Free Cash Flow Per Share | 2.89 | 2.22 | 2.71 | 6.07 | 38.47 |
| Dividend Paid and CapEx Coverage Ratio | 7.67 | 7.55 | 8.45 | 19.32 | 66.48 |
| Capital Expenditure Coverage Ratio | 38.37 | 53.34 | 27.31 | 43.94 | 85.52 |
| Operating Cash Flow Coverage Ratio | 0.15 | 0.12 | 0.14 | 0.32 | 2.38 |
| Operating Cash Flow to Sales Ratio | 0.15 | 0.12 | 0.16 | 0.57 | 3.98 |
| Free Cash Flow Yield | 11.60% | 8.69% | 13.89% | 28.68% | 187.37% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.24 | 12.28 | 7.39 | 7.46 | 7.24 |
| Price-to-Sales (P/S) Ratio | 1.25 | 1.31 | 1.12 | 1.93 | 2.10 |
| Price-to-Book (P/B) Ratio | 0.85 | 0.95 | 0.81 | 0.97 | 1.07 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.62 | 11.51 | 7.20 | 3.49 | 0.53 |
| Price-to-Operating Cash Flow Ratio | 8.40 | 11.29 | 6.94 | 3.41 | 0.53 |
| Price-to-Earnings Growth (PEG) Ratio | 0.31 | -0.58 | -1.05 | 0.00 | -0.19 |
| Enterprise Value Multiple | 0.90 | 2.33 | -0.29 | 4.74 | 3.16 |
| Enterprise Value | 19.85M | 38.80M | -6.23M | 109.42M | 73.56M |
| EV to EBITDA | 0.90 | 2.33 | -0.29 | 4.74 | 3.16 |
| EV to Sales | 0.16 | 0.32 | -0.06 | 1.56 | 1.16 |
| EV to Free Cash Flow | 1.09 | 2.79 | -0.36 | 2.82 | 0.29 |
| EV to Operating Cash Flow | 1.06 | 2.73 | -0.34 | 2.75 | 0.29 |
| Tangible Book Value Per Share | 29.32 | 26.84 | 24.20 | 21.77 | 19.26 |
| Shareholders’ Equity Per Share | 29.32 | 26.84 | 24.20 | 21.77 | 19.26 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.17 | 0.19 | 0.20 | 0.19 |
| Revenue Per Share | 20.02 | 19.47 | 17.39 | 10.99 | 9.78 |
| Net Income Per Share | 2.70 | 2.13 | 2.64 | 2.84 | 2.84 |
| Tax Burden | 0.79 | 0.83 | 0.81 | 0.80 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.03 | 0.14 | 0.16 | 0.24 | 0.30 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.07 | 1.06 | 1.07 | 2.19 | 13.73 |
Currency in USD
