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CF Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$8.4M in Q3 2026 · $21.0M over twelve months

Operating cash flow$8.4M
Capital spending−$29K
Free cash flow+$8.4M
Cash / net income1.4×

Analysis

In Q3 2026, CF Bankshares generated $8.4M of operating cash flow and spent $29K on capital projects, leaving free cash flow of $8.4M. That is $3.2M more than in Q3 2025 ($5.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $21.3M; the largest uses were other investing ($118M), dividends ($2.3M), buybacks ($590K); besides operations, cash came from other financing ($76.8M); the cash balance fell by $23.8M.

Operating cash flow was $8.4M against net income of $6.0M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$4.8M, stock-based pay +$481K, depreciation & amortization +$104K.

Free cash flow

CF Bankshares: free cash flow by quarterCF Bankshares: free cash flow by quarter$12.4MQ4 2024$2.2MQ1 2025$7.8MQ2 2025$5.2MQ3 2025$3.0MQ4 2025$4.6MQ1 2026$5.0MQ2 2026$8.4MQ3 2026
Operating cash flow less capital spending.
CF Bankshares: operating cash flow against capital spendingCF Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$12.6M$227KQ4 2024$2.2M$54KQ1 2025$8.0M$115KQ2 2025$5.5M$263KQ3 2025$3.0M$55KQ4 2025$4.7M$109KQ1 2026$5.1M$48KQ2 2026$8.4M$29KQ3 2026
Latest (Q3 2026): Operating cash flow $8.4M, Capital spending $29K.

Capital allocation, year by year

CF Bankshares: where the cash came from (up) and went (down), by fiscal yearCF Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $253MFY2021: Net borrowing −$70.0MFY2021: Shares issued $185KFY2021: Asset sales $371KFY2021: Capital spending −$3.0MFY2021: Buybacks −$3.0MFY2021: Dividends −$848K$254MFY2021FY2022: Operating cash flow $39.8MFY2022: Shares issued $387KFY2022: Capital spending −$905KFY2022: Buybacks −$2.3MFY2022: Dividends −$1.2M$40.2MFY2022FY2023: Operating cash flow $18.1MFY2023: Shares issued $84KFY2023: Capital spending −$661KFY2023: Buybacks −$177KFY2023: Dividends −$1.5M$18.1MFY2023FY2024: Operating cash flow $14.2MFY2024: Capital spending −$266KFY2024: Buybacks −$223KFY2024: Dividends −$1.6M$14.2MFY2024FY2025: Operating cash flow $18.7MFY2025: Capital spending −$487KFY2025: Buybacks −$1.3MFY2025: Dividends −$1.9M$18.7MFY2025
Over these 5 years operating cash flow totalled $344M; the largest uses were net borrowing ($70.0M) and dividends ($7.0M). Cash-flow statements as filed.

Where the cash came from and went

CF Bankshares: sources (+) and uses (−) of cash, Q3 2026CF Bankshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$39.8MOther financing$27.6MOperating cash flow$8.4MCash drawn (+) / kept (−)$4.5MDividends−$588KBuybacks−$150KCapital spending−$29K
CF Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026CF Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$118MOther financing$76.8MCash drawn (+) / kept (−)$23.8MOperating cash flow$21.3MDividends−$2.3MBuybacks−$590KTaxes on employees’ shares−$416KCapital spending−$241K

From profit to cash

CF Bankshares: net income to operating cash flow, Q3 2026CF Bankshares: net income to operating cash flow, Q3 2026Net income$6.0MDepreciation & amortization$104KStock-based pay$481KDeferred taxes−$66KGains on disposals$37KPrepaid and other assets−$4.8MOperating cash flow$8.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$8.4M−$29K−$150K−$588K$4.5M$8.4M
Q2 2026$5.1M−$48K—−$586K$14.7M$5.0M
Q1 2026$4.7M−$109K—−$583K−$8.8M$4.6M
Q4 2025$3.0M−$55K−$440K−$520K$13.4M$3.0M
Q3 2025$5.5M−$263K−$76K−$519K$3.3M$5.2M
Q2 2025$8.0M−$115K—−$456K−$34.7M$7.8M
Q1 2025$2.2M−$54K—−$453K−$5.7M$2.2M
Q4 2024$12.6M−$227K—−$453K−$1.8M$12.4M

CF Bankshares: income statement and cash flow

CF Bankshares, Q3 2026: revenue $16.7M (+8% year over year), operating margin 44.2%. The chart follows the revenue to costs, profit and cash.

CF Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.