CF Bankshares Inc. (CFBK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 13.32M | 14.32M | 13.64M | 13.85M | 12.73M | 12.35M | 11.29M | 11.2M | 11.12M | 11.59M | 11.5M | 11.35M | 12.61M | 13.04M | 13.22M | 11.47M | 10.71M | 10.9M | 10.36M | 10.98M |
| NII Growth % | 4.59% | 15.94% | 20.75% | 23.61% | 14.53% | 6.62% | -1.81% | -1.28% | -11.84% | -11.18% | -12.99% | -1.04% | 17.74% | 19.66% | 27.61% | 4.41% | 12.03% | 32.84% | 46.09% | 76.21% |
| Net Interest Margin % | 0.62% | 0.68% | 0.65% | 0.65% | 0.61% | 0.6% | 0.55% | 0.55% | 0.55% | 0.56% | 0.58% | 0.58% | 0.65% | 0.72% | 0.75% | 0.71% | 0.69% | 0.73% | 0.76% | 0.73% |
| Interest Income | 28.13M | 30.07M | 30.21M | 30.21M | 29.03M | 29.81M | 29.83M | 29.15M | 28.92M | 29.55M | 28M | 26.09M | 24.05M | 21.79M | 17.91M | 14.63M | 13.09M | 13.06M | 12.65M | 13.6M |
| Interest Expense | 14.81M | 15.74M | 16.58M | 16.36M | 16.29M | 17.46M | 18.54M | 17.95M | 17.8M | 17.96M | 16.5M | 14.74M | 11.44M | 8.75M | 4.69M | 3.16M | 2.38M | 2.16M | 2.29M | 2.62M |
| Loan Loss Provision | 604K | 1.17M | 5.07M | 1.43M | 582K | 1.38M | 558K | 3.56M | 1.24M | 875K | 1.19M | 12K | 237K | 637K | 150K | 0 | 0 | 0 | 0 | -1.6M |
| Non-Interest Income | 1.49M | 1.42M | 1.67M | 1.54M | 1.05M | 1.16M | 1.54M | 1.12M | 623K | 1.09M | 1.32M | 929K | 668K | 569K | 507K | 780K | 1.01M | 1.28M | 2.03M | 977K |
| Non-Interest Income % | 5.02% | 4.51% | 5.24% | 4.84% | 3.51% | 3.76% | 4.91% | 3.71% | 2.11% | 3.56% | 4.49% | 3.44% | 2.7% | 2.54% | 2.75% | 5.06% | 7.15% | 8.95% | 13.85% | 6.7% |
| Total Revenue | 29.62M | 31.49M | 31.89M | 31.74M | 30.08M | 30.98M | 31.37M | 30.27M | 29.54M | 30.64M | 29.32M | 27.02M | 24.72M | 22.36M | 18.41M | 15.41M | 14.1M | 14.34M | 14.68M | 14.58M |
| Revenue Growth % | -1.54% | 1.64% | 1.65% | 4.85% | 1.82% | 1.11% | 7% | 12.06% | 19.5% | 37.01% | 59.2% | 75.35% | 75.37% | 55.88% | 25.43% | 5.66% | -29.62% | -43.08% | -56.72% | -50.84% |
| Non-Interest Expense | 8.31M | 7.74M | 7.53M | 7.56M | 7.63M | 6.97M | 6.99M | 6.83M | 6.74M | 6.64M | 6.61M | 6.99M | 7.52M | 7.08M | 8.3M | 6.37M | 6.18M | 6.63M | 7.33M | 9.24M |
| Efficiency Ratio | 28.06% | 24.58% | 23.6% | 23.81% | 25.36% | 22.51% | 22.29% | 22.57% | 22.81% | 21.66% | 22.54% | 25.86% | 30.41% | 31.67% | 45.09% | 41.32% | 43.81% | 46.23% | 49.93% | 63.34% |
| Operating Income | 5.89M | 6.83M | 2.71M | 6.4M | 5.58M | 5.17M | 5.28M | 1.93M | 3.77M | 5.17M | 5.01M | 5.28M | 5.52M | 5.9M | 5.27M | 5.88M | 5.54M | 5.55M | 5.06M | 4.32M |
| Operating Margin % | 19.89% | 21.71% | 8.51% | 20.16% | 18.55% | 16.67% | 16.84% | 6.38% | 12.74% | 16.87% | 17.11% | 19.54% | 22.34% | 26.37% | 28.63% | 38.17% | 39.32% | 38.73% | 34.47% | 29.66% |
| Operating Income Growth % | 5.61% | 32.33% | -48.64% | 231.26% | 48.18% | -0.04% | 5.32% | -63.4% | -31.84% | -12.36% | -4.87% | -10.24% | -0.34% | 6.14% | 4.17% | 36.01% | -29.64% | -32.33% | -60.61% | -65.96% |
| Pretax Income | 5.89M | 6.83M | 2.71M | 6.4M | 5.58M | 5.17M | 5.28M | 1.93M | 3.77M | 5.17M | 5.01M | 5.28M | 5.52M | 5.9M | 5.27M | 5.88M | 5.54M | 5.55M | 5.06M | 4.32M |
| Pretax Margin % | 19.89% | 21.71% | 8.51% | 20.16% | 18.55% | 16.67% | 16.84% | 6.38% | 12.74% | 16.87% | 17.11% | 19.54% | 22.34% | 26.37% | 28.63% | 38.17% | 39.32% | 38.73% | 34.47% | 29.66% |
| Income Tax | 868K | 1.1M | 373K | 1.36M | 1.15M | 748K | 1.08M | 237K | 695K | 932K | 984K | 1.06M | 1.08M | 1.23M | 1.02M | 1.16M | 1.02M | 1.09M | 985K | 835K |
| Effective Tax Rate % | 14.73% | 16.08% | 13.75% | 21.33% | 20.6% | 14.48% | 20.39% | 12.27% | 18.46% | 18.04% | 19.62% | 20% | 19.48% | 20.78% | 19.4% | 19.64% | 18.49% | 19.59% | 19.46% | 19.31% |
| Net Income | 5.02M | 5.56M | 2.34M | 4.88M | 4.43M | 4.42M | 4.21M | 1.7M | 3.07M | 4.24M | 4.03M | 4.22M | 4.45M | 4.67M | 4.25M | 4.73M | 4.52M | 4.47M | 4.08M | 3.49M |
| Net Margin % | 16.96% | 17.66% | 7.34% | 15.37% | 14.73% | 14.26% | 13.4% | 5.6% | 10.39% | 13.82% | 13.75% | 15.63% | 17.99% | 20.89% | 23.07% | 30.67% | 32.05% | 31.14% | 27.76% | 23.93% |
| Net Income Growth % | 13.41% | 25.85% | -44.35% | 187.91% | 44.3% | 4.3% | 4.32% | -59.86% | -30.98% | -9.33% | -5.13% | -10.64% | -1.55% | 4.57% | 4.24% | 35.45% | -29.64% | -39.21% | -59.98% | -65.35% |
| Net Income (Continuing) | 5.02M | 5.74M | 2.34M | 5.04M | 4.43M | 4.42M | 4.21M | 1.7M | 3.07M | 4.24M | 4.03M | 4.22M | 4.45M | 4.67M | 4.25M | 4.73M | 4.52M | 4.47M | 4.08M | 3.49M |
| EPS (Diluted) | 0.77 | 0.88 | 0.36 | 0.77 | 0.68 | 0.68 | 0.65 | 0.26 | 0.47 | 0.65 | 0.62 | 0.66 | 0.68 | 0.72 | 0.65 | 0.72 | 0.69 | 0.68 | 0.61 | 0.52 |
| EPS Growth % | 13.24% | 29.41% | -44.62% | 196.15% | 44.68% | 4.62% | 4.84% | -60.61% | -30.88% | -9.72% | -4.62% | -8.33% | -1.45% | 5.88% | 6.56% | 38.46% | -28.13% | -38.74% | -60.39% | -66.01% |
| EPS (Basic) | 0.77 | 0.88 | 0.36 | 0.77 | 0.68 | 0.69 | 0.65 | 0.26 | 0.48 | 0.66 | 0.63 | 0.66 | 0.69 | 0.73 | 0.66 | 0.74 | 0.70 | 0.69 | 0.63 | 0.53 |
| Diluted Shares Outstanding | 6.31M | 6.35M | 6.35M | 6.34M | 6.29M | 6.33M | 6.29M | 6.26M | 6.36M | 6.47M | 6.46M | 6.43M | 6.54M | 6.49M | 6.55M | 6.55M | 6.55M | 6.59M | 6.66M | 6.69M |