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CF Bankshares (CFBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · CF Bankshares (CFBK) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $16.7M · 36¢ of every $1 of revenue kept as net profit · operating margin 44.2%
CF Bankshares made $16.7M in Q3 2026 (+8% Y/Y): Net interest income $14.9M, Noninterest income $1.8M. Operating margin 44.2%, net earnings $6.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $16.7M in Q3 2026, up 8% year over year and up 1% from the previous quarter. Net interest income was the largest line at 89% of revenue. Net interest income added $1.2M year over year (up 8%), 97% of the total change.
Operating profit was $7.4M, a 44.2% margin (up 26.8 points year over year). Of the extra revenue versus a year earlier, 390% reached operating profit, above the 17% margin then. Total costs fell 27% while revenue rose 8%. The fastest-growing cost line was Noninterest expense (+13%). Net earnings were $6.0M, up 158% year over year. The effective tax rate was 18.4%.
Operating cash flow was $8.4M (up 54% year over year), 140% of net earnings. Non-cash charges added back $104K of depreciation and $481K of share-based compensation. Working capital and other items added $1.8M. Capital expenditures of $29K left free cash flow of $8.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $16.7M | +8% | 44.2% | $6.0M | $8.4M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About CF Bankshares
CF Bankshares Inc. (the “Company”) is a bank holding company that owns 100% of the stock of CFBank, National Association (“CFBank”). CFBank is a nationally chartered boutique Commercial bank operating primarily in Five (5) Major Metro Markets: Columbus, Cleveland, Cincinnati, and Akron Ohio, and Indianapolis, Indiana. The current Leadership Team and Board recapitalized the Company and CFBank in 2012 during the financial crisis, repositioning CFBank as a full-service Commercial Bank model. CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs, by providing a comprehensive Commercial, Retail, and Mortgage Lending services presence.
In its own words, from its 8-K, filed Jul 28, 2026.
CF Bankshares against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 44.2% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CFBK CF Bankshares | Q3 2026 | $16.7M | +8% | 44.2% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: CF Bankshares 10-Q on SEC EDGAR · CIK 1070680 · National Commercial Banks
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History
Every quarter: Q3 2026 results