CF Bankshares Inc. (CFBK) Balance Sheet
CFBK balance sheet, 2025
December 31, 2025 · U.S. dollars$2.12B assets = $1.93B liabilities + $184.4M equity
Both columns are drawn to the same scale: what CFBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CFBK financial health
Descriptive bands, not a rating. Fiscal 2025.
CFBK balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $436.1M2016 | $2.12B2025 | +19.2%/yr | |
| Total liabilities | $396.8M2016 | $1.93B2025 | +19.2%/yr | |
| Shareholders’ equity | $39.3M2016 | $184.4M2025 | +18.7%/yr | |
| Cash & short-term investments | $72.1M2016 | $276.5M2025 | +16.1%/yr | |
| Total debt | $18.7M2016 | $121.9M2025 | +23.2%/yr | |
| Net cash (debt) | $53.4M2016 | $154.6M2025 | +$101.1M | |
| Working capital | −$301.1M2016 | $242.2M2025 | +$543.2M | |
| Book value per share | $13.462016 | $29.132025 | +9.0%/yr | |
| Debt / equity | 0.472016 | 0.662025 | +0.19 | |
| Shares outstanding | 2.9M2016 | 6.3M2025 | +9.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CFBK assets
CFBK liabilities and equity
CFBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CFBK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $276.5M | $244.1M | $269.8M | $162.3M | $183.0M | $230.4M | $54.2M | $77.5M | $57.4M | $72.1M |
| Cash & equivalents | $259.0M | $235.4M | $261.7M | $151.9M | $166.7M | $221.7M | $46.0M | $67.4M | $45.6M | $57.7M |
| Short-term investments | $17.5M | $8.7M | $8.1M | $10.4M | $16.3M | $8.7M | $8.2M | $10.1M | $11.8M | $14.1M |
| Receivables | $8.7M | $7.7M | $13.5M | $20.8M | $24.6M | $34.6M | $12.3M | $6.9M | $4.7M | $4.6M |
| Inventory | $0 | $0 | $248.1M | −$162.0M | −$170.8M | −$226.3M | −$48.7M | −$69.6M | −$46.9M | −$59.3M |
| Other current assets | $0 | $0 | $0 | $162.0M | $170.8M | $226.3M | $48.7M | $69.6M | $46.9M | $59.3M |
| Total current assets | $259.1M | $251.7M | $283.3M | $183.1M | $207.6M | $265.0M | $66.4M | $84.4M | $62.1M | $76.7M |
| Property, plant & equipment (net) | $9.2M | $9.6M | $9.0M | $5.1M | $7.8M | $5.1M | $5.8M | $3.9M | $3.5M | $3.4M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $17.5M | $13.7M | $13.1M | $15.4M | $21.3M | $13.7M | $807.2M | $578.2M | $419.3M | $363.0M |
| Other non-current assets | $1.83B | $1.79B | $1.75B | $1.62B | $1.26B | $1.19B | $1.2M | $0 | $0 | $0 |
| Total assets | $2.12B | $2.07B | $2.06B | $1.82B | $1.50B | $1.48B | $880.5M | $665.0M | $481.4M | $436.1M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $23.7M | $14.5M | $21.9M | $6.8M | $4.6M | $3.0M | $2.4M |
| Short-term debt | $16.9M | $996,000 | $1.0M | $553,000 | $10.7M | $8.0M | $5.0M | $3.5M | $13.5M | $2.5M |
| Deferred revenue | — | — | — | $23.1M | $3.8M | $13.8M | $1.8M | $1.1M | — | −$107,000 |
| Total current liabilities | $16.9M | $1.76B | $1.74B | $1.55B | $1.26B | $1.13B | $753.2M | $584.4M | $422.0M | $377.8M |
| Long-term debt | $116.0M | $107.7M | $125.0M | $124.4M | $14.9M | $14.8M | $14.8M | $14.8M | $5.2M | $5.2M |
| Lease obligations | $5.9M | $6.2M | $5.3M | $1.4M | $2.0M | $1.5M | $2.0M | $0 | $0 | $0 |
| Other long-term liabilities | $1.80B | $33.6M | $34.2M | $5.0M | $94.5M | $217.0M | $31.9M | $20.3M | $14.0M | $13.9M |
| Total liabilities | $1.93B | $1.90B | $1.90B | $1.68B | $1.37B | $1.37B | $799.9M | $619.5M | $441.2M | $396.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $68,000 | $68,000 | $70,000 | $69,000 | $68,000 | $67,000 | $54,000 | $44,000 | $43,000 | $164,000 |
| Retained earnings (deficit) | $103.9M | $88.3M | $76.5M | $61.1M | $44.1M | $26.5M | −$2.9M | −$12.8M | −$17.1M | −$17.8M |
| Treasury stock | — | — | — | — | −$7.2M | −$4.1M | −$3.4M | −$3.4M | −$3.3M | −$3.3M |
| Accumulated other comprehensive income | −$1.4M | −$1.8M | −$2.3M | −$2.0M | −$170,000 | $96,000 | $28,000 | −$73,000 | −$47,000 | $2,000 |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $184.4M | $168.4M | $155.4M | $139.2M | $125.3M | $110.2M | $80.7M | $45.6M | $40.3M | $39.3M |
| Key figures | ||||||||||
| Total debt | $121.9M | $113.9M | $130.3M | $125.8M | $106.6M | $230.8M | $45.8M | $34.3M | $18.7M | $18.7M |
| Net cash (debt) | $154.6M | $130.1M | $139.5M | $36.5M | $76.4M | −$407,000 | $8.4M | $43.3M | $38.7M | $53.4M |
| Working capital | $242.2M | −$1.50B | −$1.46B | −$1.37B | −$1.05B | −$869.9M | −$686.8M | −$500.0M | −$359.9M | −$301.1M |
| Tangible book value | $184.4M | $168.4M | $155.4M | $139.2M | $125.3M | $110.2M | $80.7M | $45.6M | $40.3M | $39.3M |
| Book value per share | $29.13 | $26.70 | $24.10 | $21.31 | $18.85 | $18.05 | $17.43 | $10.49 | $11.48 | $13.46 |
| Shares outstanding | 6.3M | 6.3M | 6.4M | 6.5M | 6.7M | 6.1M | 4.6M | 4.3M | 3.5M | 2.9M |
| Current ratio | 15.31 | 0.14 | 0.16 | 0.12 | 0.16 | 0.23 | 0.09 | 0.14 | 0.15 | 0.20 |
| Quick ratio | 16.85 | 0.14 | 0.16 | 0.12 | 0.16 | 0.23 | 0.09 | 0.14 | 0.15 | 0.20 |
| Debt / equity | 0.66 | 0.68 | 0.84 | 0.90 | 0.85 | 2.09 | 0.57 | 0.75 | 0.46 | 0.47 |
| Equity / assets | 8.7% | 8.2% | 7.5% | 7.7% | 8.4% | 7.5% | 9.2% | 6.9% | 8.4% | 9.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $270.3M | $285.3M | $276.5M | $273.5M | $276.8M | $242.1M | $244.1M | $242.3M | $250.2M | $244.6M | $269.8M | $238.3M |
| Cash & equivalents | $253.1M | $267.8M | $259.0M | $272.5M | $275.8M | $241.1M | $235.4M | $233.6M | $241.9M | $237.0M | $261.7M | $229.9M |
| Short-term investments | $17.2M | $17.5M | $17.5M | $999,000 | $996,000 | $993,000 | $8.7M | $8.7M | $8.3M | $7.6M | $8.1M | $8.5M |
| Receivables | $7.9M | $49.6M | $8.7M | $3.8M | $5.0M | $6.2M | $7.7M | $9.1M | $10.4M | $0 | $13.5M | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$252.2M | $0 | $248.1M | $0 |
| Other current assets | $0 | $3.6M | $0 | $0 | $0 | $0 | $0 | $0 | $252.2M | $0 | $0 | $0 |
| Total current assets | $253.1M | $338.5M | $259.1M | $277.3M | $281.8M | $248.3M | $251.7M | $251.4M | $260.6M | $244.6M | $283.3M | $238.3M |
| Property, plant & equipment (net) | $9.1M | $9.4M | $9.2M | $9.5M | $9.2M | $9.4M | $9.6M | $9.7M | $8.4M | $8.7M | $9.0M | $9.1M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $16.5M | $17.4M | $17.5M | $9.2M | $9.0M | $8.8M | $13.7M | $13.7M | $13.3M | $12.6M | $13.1M | $13.5M |
| Other non-current assets | $1.89B | $1.78B | $1.83B | $1.82B | $1.83B | $1.83B | $1.79B | $1.79B | $1.76B | $1.77B | $1.75B | $1.73B |
| Total assets | $2.17B | $2.15B | $2.12B | $2.11B | $2.13B | $2.09B | $2.07B | $2.07B | $2.04B | $2.04B | $2.06B | $1.99B |
| Liabilities | ||||||||||||
| Short-term debt | $16.5M | $101.0M | $16.9M | — | — | $16.7M | $996,000 | $16.3M | $19.0M | $19.3M | $1.0M | $269,000 |
| Total current liabilities | $16.5M | $1.91B | $16.9M | $1.78B | $1.81B | $1.78B | $1.76B | $1.75B | $1.70B | $1.72B | $1.74B | $1.68B |
| Long-term debt | $114.3M | $116.0M | $116.0M | $116.0M | $116.0M | $107.7M | $107.7M | $123.7M | $152.1M | $126.0M | $125.0M | $124.9M |
| Lease obligations | $5.9M | $6.1M | $5.9M | $6.0M | $5.9M | $6.1M | $6.2M | $6.4M | $4.9M | $5.1M | $5.3M | $5.2M |
| Other long-term liabilities | $1.84B | $0 | $1.80B | $37.1M | $30.7M | $30.6M | $33.6M | $33.3M | $32.4M | $32.4M | $34.2M | $31.3M |
| Total liabilities | $1.98B | $1.96B | $1.93B | $1.93B | $1.96B | $1.92B | $1.90B | $1.90B | $1.88B | $1.88B | $1.90B | $1.84B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $69,000 | $70,000 | $69,000 | $69,000 | $69,000 | $69,000 | $68,000 | $68,000 | $68,000 | $68,000 | $70,000 | $70,000 |
| Retained earnings (deficit) | $113.7M | $108.3M | $103.9M | $98.7M | $96.8M | $92.3M | $88.3M | $84.3M | $80.5M | $79.2M | $76.5M | $72.7M |
| Accumulated other comprehensive income | −$1.7M | −$1.5M | −$1.4M | −$1.4M | −$1.6M | −$1.7M | −$1.8M | −$2.0M | −$2.2M | −$2.3M | −$2.3M | −$2.4M |
| Total shareholders' equity | $194.3M | $189.0M | $184.4M | $179.3M | $177.0M | $172.7M | $168.4M | $164.0M | $159.6M | $158.0M | $155.4M | $151.3M |
| Key figures | ||||||||||||
| Total debt | $120.2M | $122.1M | $121.9M | $122.0M | $121.9M | $113.8M | $113.9M | $130.0M | $157.1M | $131.1M | $130.3M | $130.2M |
| Net cash (debt) | $150.1M | $163.2M | $154.6M | $151.4M | $154.9M | $128.3M | $130.1M | $112.3M | $93.1M | $113.5M | $139.5M | $108.2M |
| Working capital | $236.6M | −$1.57B | $242.2M | −$1.50B | −$1.53B | −$1.54B | −$1.50B | −$1.49B | −$1.44B | −$1.48B | −$1.46B | −$1.45B |
| Tangible book value | $194.3M | $189.0M | $184.4M | $179.3M | $177.0M | $172.7M | $168.4M | $164.0M | $159.6M | $158.0M | $155.4M | $151.3M |
| Book value per share | $30.54 | $29.95 | $29.04 | $28.25 | $27.90 | $27.47 | $26.61 | $26.06 | $25.51 | $24.85 | $24.02 | $23.43 |
| Shares outstanding | 6.4M | 6.3M | 6.4M | 6.3M | 6.3M | 6.3M | 6.3M | 6.3M | 6.3M | 6.4M | 6.5M | 6.5M |
| Current ratio | 15.36 | 0.18 | 15.31 | 0.16 | 0.16 | 0.14 | 0.14 | 0.14 | 0.15 | 0.14 | 0.16 | 0.14 |
| Quick ratio | 16.89 | 0.18 | 16.85 | 0.16 | 0.16 | 0.14 | 0.14 | 0.14 | 0.15 | 0.14 | 0.16 | 0.14 |
| Debt / equity | 0.62 | 0.65 | 0.66 | 0.68 | 0.69 | 0.66 | 0.68 | 0.79 | 0.98 | 0.83 | 0.84 | 0.86 |
| Equity / assets | 9.0% | 8.8% | 8.7% | 8.5% | 8.3% | 8.2% | 8.2% | 7.9% | 7.8% | 7.7% | 7.5% | 7.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 12, 2026); data from EODHD.
CFBK financial position
At the end of fiscal 2025 (December 31, 2025), CF Bankshares had total assets of $2.1 billion (up 2.5% from a year earlier), total liabilities of $1.9 billion and shareholders' equity of $184.4 million. It held $276.5 million in cash and short-term investments against $121.9 million of debt, a net cash position of $154.6 million. Its current ratio was 15.31. In the latest quarter (ended June 30, 2026) total assets were $2.2 billion and equity $194.3 million.
Related: CFBK income statement, CFBK cash flow statement, CFBK key metrics. See the CFBK stock overview for the latest quote and news.
CFBK balance sheet FAQ
What are CF Bankshares's total assets?
CF Bankshares reported total assets of $2.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.1 billion a year earlier.
How much debt does CF Bankshares have?
CF Bankshares had $121.9 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.66.
How much cash does CF Bankshares have?
CF Bankshares held $276.5 million in cash and short-term investments at the end of fiscal 2025; with $121.9 million of debt that is net cash of $154.6 million.
What is CF Bankshares's book value?
CF Bankshares's shareholders' equity (book value) was $184.4 million at the end of fiscal 2025, or $29.13 per share.
What is CF Bankshares's current ratio?
CF Bankshares had current assets of $259.1 million and current liabilities of $16.9 million, a current ratio of 15.31 (it can cover its short-term obligations).