Filing Flows › CF Bankshares (CFBK) › Q3 2026
CF Bankshares (CFBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
CF Bankshares (CFBK) reported revenue of $16.7M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +1% from the quarter before. Operating margin was 44.2%, net earnings $6.0M (36.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $16.7M | +1% | +8% |
| Operating profit | $7.4M | +2% | +173% |
| Net earnings | $6.0M | +2% | +158% |
| Operating cash flow | $8.4M | +66% | +54% |
| Free cash flow | $8.4M | +67% | +61% |
What changed
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.
Questions
What was CF Bankshares' revenue in the third quarter 2026?
CF Bankshares (CFBK) reported revenue of $16.7M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +1% from the quarter before.
Was CF Bankshares profitable in the third quarter 2026?
Operating profit was $7.4M (44.2% of revenue) and net earnings $6.0M.
Source: CF Bankshares 10-Q on SEC EDGAR.