Filing Flows › CF Bankshares (CFBK) › Q3 2026 › vs Q3 2025
CF Bankshares (CFBK) Q3 2026 vs Q3 2025 (year over year)
CF Bankshares's revenue rose $1.2M (+8%) from $15.5M in Q3 2025 to $16.7M in Q3 2026. The biggest changes: Net interest income +$1.2M (+8%); Noninterest income +$41K (+2%). Operating margin 44.2% against 17.5% (+26.8 pts).
CF Bankshares, Q3 2026: revenue $16.7M (+8% year over year), operating margin 44.2%, net earnings $6.0M, operating cash flow $8.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.2% | 17.5% | +26.8 pts |
| Net margin | 36.1% | 15.1% | +21.0 pts |
| Free cash flow margin | 50.3% | 33.6% | +16.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $14.9M | $13.8M | $1.2M | +8% |
| Noninterest income | $1.8M | $1.7M | $41K | +2% |
| Revenue | $16.7M | $15.5M | $1.2M | +8% |
| Operating profit | $7.4M | $2.7M | $4.7M | +173% |
| Costs & expenses | $9.3M | $12.8M | −$3.5M | -27% |
| Pre-tax earnings | $7.4M | $2.7M | $4.7M | +173% |
| Credit loss provision | $551K | $5.1M | −$4.5M | -89% |
| Noninterest expense | $8.8M | $7.7M | $1.0M | +13% |
| Net earnings | $6.0M | $2.3M | $3.7M | +158% |
| Income tax | $1.4M | $373K | $987K | +265% |
| Depreciation | $104K | $116K | −$12K | -10% |
| Share-based compensation | $481K | $370K | $111K | +30% |
| Working capital & other | $1.8M | $2.7M | −$846K | -32% |
| Operating cash flow | $8.4M | $5.5M | $2.9M | +54% |
| Free cash flow (OCF − capex) | $8.4M | $5.2M | $3.2M | +61% |
| Capital expenditures | $29K | $263K | −$234K | -89% |
Questions
How much did CF Bankshares's revenue grow year over year in Q3 2026?
CF Bankshares's revenue rose $1.2M (+8%) from $15.5M in Q3 2025 to $16.7M in Q3 2026.
What drove CF Bankshares's revenue change in Q3 2026?
Net interest income +$1.2M (+8%); Noninterest income +$41K (+2%).