Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $1.63M | $1.35M | $4.27M | $9.60M | $29.6M | $18.5M | $18.2M | $16.9M | $13.4M | $17.5M |
| EPS (diluted) | $0.05 | $0.19 | $1.00 | $2.03 | $4.47 | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.79M | $3.95M | -$11.8M | -$104M | -$123M | $253M | $39.8M | $18.1M | $14.2M | $18.7M |
| Capital expenditures | $47.0K | $312K | $612K | $443K | $385K | $2.96M | $905K | $661K | $266K | $487K |
| Free cash flow | $1.75M | $3.64M | -$12.4M | -$104M | -$124M | $250M | $38.9M | $17.4M | $13.9M | $18.2M |
| Dividends paid | — | — | — | — | $195K | $848K | $1.15M | $1.48M | $1.61M | $1.95M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $57.9M | $45.5M | $67.3M | $45.9M | $222M | $167M | $152M | $262M | $235M | $259M |
| Total assets | $436M | $481M | $665M | $881M | $1.48B | $1.50B | $1.82B | $2.06B | $2.07B | $2.12B |
| Total liabilities | $397M | $441M | $619M | $800M | $1.37B | $1.37B | $1.68B | $1.90B | $1.90B | $1.93B |
| Long-term debt | — | — | $6.00M | $12.5M | $79.5M | $24.3M | $29.5M | — | — | — |
| Shareholders' equity | $39.3M | $40.3M | $45.6M | $80.7M | $110M | $125M | $139M | $155M | $168M | $184M |
| Retained earnings | -$17.8M | -$17.1M | -$12.8M | -$2.93M | $26.5M | $44.1M | $61.1M | $76.5M | $88.3M | $104M |
| Shares (wtd avg diluted) | 16.1M | 3.51M | 4.34M | 4.63M | 6.11M | 6.65M | 6.54M | 6.45M | 6.31M | 6.33M |
Every figure is extracted from CF BANKSHARES INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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