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CF Bankshares (CFBK)
NASDAQ:CFBK
US Market
CFBK
CF Bankshares
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CF Bankshares (CFBK) Ratios

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CF Bankshares Ratios

CFBK's free cash flow for Q2 2026 was $0.49. For the 2026 fiscal year, CFBK's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 15.36 15.31 0.14 0.16 0.12
Quick Ratio
 15.36 15.31 0.14 0.16 0.12
Cash Ratio
 15.36 15.31 0.13 0.15 0.10
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 1.11 1.10 <0.01 0.01 0.03
Short-Term Operating Cash Flow Coverage
 1.11 1.10 0.00 0.00 0.00
Net Current Asset Value
$ -1.72B$ -1.67B$ -1.65B$ -1.62B$ -1.50B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.06 0.06 0.07
Debt-to-Equity Ratio
 0.62 0.66 0.68 0.84 0.90
Debt-to-Capital Ratio
 0.38 0.40 0.40 0.46 0.47
Long-Term Debt-to-Capital Ratio
 0.34 0.35 0.39 0.45 0.47
Financial Leverage Ratio
 11.16 11.48 12.26 13.25 13.07
Debt Service Coverage Ratio
 0.25 0.22 0.19 0.29 0.98
Interest Coverage Ratio
 0.36 0.33 0.23 0.35 1.19
Debt to Market Cap
 0.51 0.75 0.67 1.00 0.92
Interest Debt Per Share
 28.88 29.71 29.59 29.73 22.63
Net Debt to EBITDA
 -5.76 -6.23 -7.30 -6.10 -1.13
Profitability Margins
Gross Profit Margin
43.79%41.85%35.76%43.63%71.88%
EBIT Margin
18.20%17.10%13.22%18.79%32.15%
EBITDA Margin
18.50%17.48%13.61%19.30%32.85%
Operating Profit Margin
18.20%17.10%13.22%18.79%32.15%
Pretax Profit Margin
18.20%17.10%13.22%18.79%32.15%
Net Profit Margin
15.10%13.50%10.96%15.16%25.85%
Continuous Operations Profit Margin
15.24%13.93%10.96%15.16%25.85%
Net Income Per EBT
82.96%78.98%82.92%80.71%80.40%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.87%0.80%0.65%0.82%1.00%
Return on Equity (ROE)
10.09%9.22%7.95%10.90%13.04%
Return on Capital Employed (ROCE)
1.05%1.02%5.21%6.67%8.41%
Return on Invested Capital (ROIC)
0.88%0.83%4.32%5.38%6.76%
Return on Tangible Assets
0.87%0.80%0.65%0.82%1.00%
Earnings Yield
8.47%10.83%8.35%13.53%13.41%
Efficiency Ratios
Receivables Turnover
 15.72 14.55 15.91 8.28 3.38
Payables Turnover
 0.00 0.00 0.00 0.00 0.83
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 13.65 12.70 12.36 13.69
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.19 -0.20 -0.08 -0.08 -0.06
Cash Conversion Cycle
 23.21 25.09 22.95 44.11 -329.34
Days of Sales Outstanding
 23.21 25.09 22.95 44.11 107.86
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 437.20
Operating Cycle
 23.21 25.09 22.95 44.11 107.86
Cash Flow Ratios
Operating Cash Flow Per Share
 2.90 2.97 2.26 2.81 6.22
Free Cash Flow Per Share
 2.85 2.89 2.22 2.71 6.07
CapEx Per Share
 0.05 0.08 0.04 0.10 0.14
Free Cash Flow to Operating Cash Flow
 0.98 0.97 0.98 0.96 0.98
Dividend Paid and CapEx Coverage Ratio
 7.26 7.67 7.55 8.45 19.32
Capital Expenditure Coverage Ratio
 57.65 38.37 53.34 27.31 43.94
Operating Cash Flow Coverage Ratio
 0.15 0.15 0.12 0.14 0.32
Operating Cash Flow to Sales Ratio
 0.15 0.15 0.12 0.16 0.57
Free Cash Flow Yield
7.96%11.60%8.69%13.89%28.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.05 9.24 12.28 7.39 7.46
Price-to-Sales (P/S) Ratio
 1.81 1.25 1.31 1.12 1.93
Price-to-Book (P/B) Ratio
 1.14 0.85 0.95 0.81 0.97
Price-to-Free Cash Flow (P/FCF) Ratio
 12.56 8.62 11.51 7.20 3.49
Price-to-Operating Cash Flow Ratio
 12.13 8.40 11.29 6.94 3.41
Price-to-Earnings Growth (PEG) Ratio
 2.59 0.31 -0.58 -1.05 0.00
Price-to-Fair Value
 1.14 0.85 0.95 0.81 0.97
Enterprise Value Multiple
 4.05 0.90 2.33 -0.29 4.74
Enterprise Value
 93.45M 19.85M 38.80M -6.23M 109.42M
EV to EBITDA
 4.05 0.90 2.33 -0.29 4.74
EV to Sales
 0.75 0.16 0.32 -0.06 1.56
EV to Free Cash Flow
 5.19 1.09 2.79 -0.36 2.82
EV to Operating Cash Flow
 5.10 1.06 2.73 -0.34 2.75
Tangible Book Value Per Share
 30.75 29.32 26.84 24.20 21.77
Shareholders’ Equity Per Share
 30.75 29.32 26.84 24.20 21.77
Tax and Other Ratios
Effective Tax Rate
 0.16 0.19 0.17 0.19 0.20
Revenue Per Share
 19.73 20.02 19.47 17.39 10.99
Net Income Per Share
 2.98 2.70 2.13 2.64 2.84
Tax Burden
 0.83 0.79 0.83 0.81 0.80
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
 0.14 0.03 0.14 0.16 0.24
Stock-Based Compensation to Revenue
 0.01 0.01 <0.01 0.01 0.01
Income Quality
 0.96 1.07 1.06 1.07 2.19
Currency in USD