CF BANKSHARES INC.
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.0M | $51.8M | $51.7M | $52.0M | $53.7M | $87.8M | $33.4M | $20.6M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $21.5M | $16.1M | $81.6M | $41.6M | $33.1M | $50.9M | $25.4M | $12.3M |
| Operating Margin | 35.3% | 31.2% | 158.0% | 79.9% | 61.7% | 57.9% | 76.1% | 59.8% |
| Interest Expense | — | — | $60.6M | $19.0M | $10.3M | $14.6M | $13.4M | $7.0M |
| Pretax Income | $21.5M | $16.1M | $21.0M | $22.6M | $22.8M | $36.3M | $12.0M | $5.3M |
| Income Tax Expense | $4.0M | $2.8M | $4.0M | $4.4M | $4.4M | $6.7M | $2.4M | $1.1M |
| Net Income | $17.5M | $13.4M | $16.9M | $18.2M | $18.5M | $29.6M | $9.6M | $4.3M |
| Net Margin | 28.8% | 25.8% | 32.8% | 34.9% | 34.4% | 33.7% | 28.7% | 20.7% |
| EPS (Basic) | $2.70 | $2.08 | $2.64 | $2.84 | $2.84 | $4.53 | $2.05 | $1.02 |
| EPS (Diluted) | $2.69 | $2.06 | $2.63 | $2.78 | $2.77 | $4.47 | $2.03 | $1.00 |
| Shares Outstanding (Basic) | 6.3M | 6.3M | 6.4M | 6.4M | 6.5M | 6.0M | 4.6M | 4.3M |
| Shares Outstanding (Diluted) | 6.3M | 6.3M | 6.4M | 6.5M | 6.7M | 6.1M | 4.6M | 4.3M |
| Dividends Per Share | $0.30 | $0.25 | $0.23 | $0.18 | $0.13 | $0.03 | — | — |