CF BANKSHARES INC.
Cash Flow Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | $17.5M | $13.4M | $16.9M | $18.2M | $18.5M | $29.6M | $9.6M | $4.3M |
| Depreciation & Amortization | — | — | — | — | — | — | — | — |
| Depreciation | $476.0K | $486.0K | $567.0K | $496.0K | $435.0K | $381.0K | $316.0K | $248.0K |
| Amortization | — | $56.0K | $60.0K | $570.0K | $17.0K | — | — | — |
| Stock-Based Compensation | $1.4M | $1.2M | $1.2M | $899.0K | $707.0K | $711.0K | $527.0K | $376.0K |
| Net Cash from Operating Activities | $18.7M | $14.2M | $18.1M | $39.8M | $253.3M | $-123.5M | $-103.5M | $-11.8M |
| Investing Activities | ||||||||
| Capital Expenditures | $487.0K | $266.0K | $661.0K | $905.0K | $3.0M | $385.0K | $443.0K | $612.0K |
| Business Acquisitions | — | — | — | — | — | — | — | — |
| Net Cash from Investing Activities | $-25.0M | $-33.0M | $-121.9M | $-353.3M | $-316.7M | $-259.8M | $-111.4M | $-143.8M |
| Financing Activities | ||||||||
| Dividends Paid | $1.9M | $1.6M | $1.5M | $1.2M | $848.0K | $195.0K | — | — |
| Stock Repurchases | — | — | — | — | — | — | — | — |
| Net Cash from Financing Activities | $30.1M | $-7.5M | $213.6M | $298.8M | $8.4M | $558.9M | $193.5M | $177.4M |
| Net Change in Cash | — | — | — | — | — | — | — | $21.8M |
| Free Cash Flow | $18.2M | $13.9M | $17.4M | $38.9M | $250.3M | $-123.9M | $-104.0M | $-12.4M |