CF Bankshares Inc Net Assets
CF Bankshares Inc net assets. Based on the latest financial reports, CF Bankshares Inc (CFBK) has net assets worth $194.34 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.17 Billion) and total liabilities ($1.98 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore net asset momentum of CF Bankshares Inc to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $194.34 Million |
| % of Total Assets | 8.96% |
| Annual Growth Rate | 6.73% |
| 5-Year Change | 47.15% |
| 10-Year Change | 369.37% |
| Growth Volatility | 37.63 |
Net Assets of CF Bankshares Inc (1998–2025)
Net assets of CF Bankshares Inc from 1998 to 2025. This chart illustrates how CF Bankshares Inc's net assets have evolved over time, based on quarterly financial data. See CF Bankshares Inc (CFBK) balance sheet quality index to measure how much of total assets are equity-financed.
Annual Net Assets for CF Bankshares Inc (1998–2025)
The table below shows the annual net assets of CF Bankshares Inc from 1998 to 2025. For live market cap and overall valuation, see market cap of CF Bankshares Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $184.43 Million | +9.49% |
| 2024-12-31 | $168.44 Million | +8.41% |
| 2023-12-31 | $155.37 Million | +11.58% |
| 2022-12-31 | $139.25 Million | +11.11% |
| 2021-12-31 | $125.33 Million | +13.72% |
| 2020-12-31 | $110.21 Million | +36.63% |
| 2019-12-31 | $80.66 Million | +77.05% |
| 2018-12-31 | $45.56 Million | +13.16% |
| 2017-12-31 | $40.26 Million | +2.47% |
| 2016-12-31 | $39.29 Million | +2.56% |
| 2015-12-31 | $38.31 Million | +11.02% |
| 2014-12-31 | $34.51 Million | +50.93% |
| 2013-12-31 | $22.86 Million | -3.29% |
| 2012-12-31 | $23.64 Million | +137.76% |
| 2011-12-31 | $9.94 Million | -37.81% |
| 2010-12-31 | $15.99 Million | -31.16% |
| 2009-12-31 | $23.23 Million | -29.77% |
| 2008-12-31 | $33.08 Million | +20.80% |
| 2007-12-31 | $27.38 Million | -5.87% |
| 2006-12-31 | $29.09 Million | +80.87% |
| 2005-12-31 | $16.08 Million | -17.56% |
| 2004-12-31 | $19.51 Million | -1.76% |
| 2003-12-31 | $19.86 Million | +12.93% |
| 2002-12-31 | $17.58 Million | -3.18% |
| 2001-12-31 | $18.16 Million | +1.83% |
| 2000-12-31 | $17.83 Million | -38.93% |
| 1999-12-31 | $29.20 Million | -8.18% |
| 1998-12-31 | $31.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CF Bankshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 626.5% over the analyzed period, indicating profitable operations and earnings retention.
CF Bankshares Inc Net Assets Breakdown (December 2025)
CF Bankshares Inc net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $103.88 Million | 56.33% |
| Common Stock | $68.00K | 0.04% |
| Other Comprehensive Income | $-1.37 Million | -0.74% |
| Other Components | $81.85 Million | 44.38% |
| Total Equity | $184.43 Million | 100.00% |
CF Bankshares Inc Competitors by Market Cap
The table below lists competitors of CF Bankshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Froch Enterprise Co Ltd
TW:2030
|
$225.19 Million |
|
Global Indemnity Group, LLC Class A Common Stock
NASDAQ:GBLI
|
$225.34 Million |
|
Dreamus Company
KQ:060570
|
$225.36 Million |
|
Magnitude International Ltd Ordinary Shares
NASDAQ:MAGH
|
$225.45 Million |
|
QORIA Ltd
AU:QOR
|
$225.18 Million |
|
Clarke Inc.
TO:CKI
|
$225.15 Million |
|
Nampak
JSE:NPK
|
$225.14 Million |
|
Nanning Baling Technology
SHE:002592
|
$225.13 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CF Bankshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 168,437,000 to 184,426,000, a change of 15,989,000 (9.5%).
- Net income of 17,001,000 contributed positively to equity growth.
- Dividend payments of 1,948,000 reduced retained earnings.
- Share repurchases of 1,283,000 reduced equity.
- Other comprehensive income increased equity by 432,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $17.00 Million | +9.22% |
| Dividends Paid | $1.95 Million | -1.06% |
| Share Repurchases | $1.28 Million | -0.7% |
| Other Comprehensive Income | $432.00K | +0.23% |
| Other Changes | $1.79 Million | +0.97% |
| Total Change | $- | 9.49% |
Book Value vs Market Value Analysis
This analysis compares CF Bankshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.08x to 1.21x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $451.24 | $35.10 | x |
| 1999-12-31 | $441.65 | $35.10 | x |
| 2000-12-31 | $302.06 | $35.10 | x |
| 2001-12-31 | $317.34 | $35.10 | x |
| 2002-12-31 | $308.48 | $35.10 | x |
| 2003-12-31 | $294.41 | $35.10 | x |
| 2004-12-31 | $264.67 | $35.10 | x |
| 2005-12-31 | $200.28 | $35.10 | x |
| 2006-12-31 | $216.17 | $35.10 | x |
| 2007-12-31 | $167.85 | $35.10 | x |
| 2008-12-31 | $216.46 | $35.10 | x |
| 2009-12-31 | $156.21 | $35.10 | x |
| 2010-12-31 | $107.38 | $35.10 | x |
| 2011-12-31 | $66.65 | $35.10 | x |
| 2012-12-31 | $20.59 | $35.10 | x |
| 2013-12-31 | $7.95 | $35.10 | x |
| 2014-12-31 | $11.97 | $35.10 | x |
| 2015-12-31 | $9.27 | $35.10 | x |
| 2016-12-31 | $13.46 | $35.10 | x |
| 2017-12-31 | $11.48 | $35.10 | x |
| 2018-12-31 | $10.49 | $35.10 | x |
| 2019-12-31 | $17.43 | $35.10 | x |
| 2020-12-31 | $18.05 | $35.10 | x |
| 2021-12-31 | $18.85 | $35.10 | x |
| 2022-12-31 | $21.31 | $35.10 | x |
| 2023-12-31 | $24.10 | $35.10 | x |
| 2024-12-31 | $26.70 | $35.10 | x |
| 2025-12-31 | $29.13 | $35.10 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CF Bankshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.22%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.50%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.48x
- Recent ROE (9.22%) is above the historical average (-2.41%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 0.63% | 2.20% | 0.07x | 4.19x | $-2.98 Million |
| 2000 | 1.55% | 2.73% | 0.07x | 7.90x | $-1.51 Million |
| 2001 | 3.29% | 6.12% | 0.08x | 6.66x | $-1.22 Million |
| 2002 | 3.83% | 8.77% | 0.07x | 6.29x | $-1.08 Million |
| 2003 | -11.96% | -37.30% | 0.06x | 5.39x | $-4.36 Million |
| 2004 | -8.52% | -24.88% | 0.04x | 8.77x | $-3.61 Million |
| 2005 | -20.46% | -34.43% | 0.06x | 10.76x | $-4.90 Million |
| 2006 | -0.13% | -0.43% | 0.04x | 8.04x | $-2.95 Million |
| 2007 | -0.06% | -0.09% | 0.07x | 10.14x | $-2.75 Million |
| 2008 | 2.19% | 4.11% | 0.06x | 8.40x | $-2.58 Million |
| 2009 | -42.58% | -63.34% | 0.06x | 11.79x | $-12.21 Million |
| 2010 | -42.97% | -47.95% | 0.05x | 17.21x | $-8.47 Million |
| 2011 | -54.56% | -50.71% | 0.04x | 25.23x | $-6.42 Million |
| 2012 | -15.93% | -46.29% | 0.04x | 9.10x | $-6.13 Million |
| 2013 | -4.02% | -11.21% | 0.03x | 11.19x | $-3.20 Million |
| 2014 | 1.39% | 3.98% | 0.04x | 9.15x | $-2.97 Million |
| 2015 | 11.69% | 33.05% | 0.04x | 9.17x | $645.80K |
| 2016 | 4.14% | 10.53% | 0.04x | 11.10x | $-2.30 Million |
| 2017 | 3.34% | 7.57% | 0.04x | 11.96x | $-2.68 Million |
| 2018 | 9.38% | 15.55% | 0.04x | 14.60x | $-282.90K |
| 2019 | 11.90% | 20.61% | 0.05x | 10.92x | $1.53 Million |
| 2020 | 26.87% | 29.01% | 0.07x | 13.40x | $18.59 Million |
| 2021 | 14.72% | 29.00% | 0.04x | 11.93x | $5.92 Million |
| 2022 | 13.04% | 25.85% | 0.04x | 13.07x | $4.24 Million |
| 2023 | 10.90% | 15.16% | 0.05x | 13.25x | $1.40 Million |
| 2024 | 7.95% | 10.96% | 0.06x | 12.26x | $-3.46 Million |
| 2025 | 9.22% | 13.50% | 0.06x | 11.48x | $-1.44 Million |
Industry Comparison
This section compares CF Bankshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CF Bankshares Inc (CFBK) | $194.34 Million | 0.63% | 10.16x | $225.18 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About CF Bankshares Inc
CF Bankshares Inc. operates as the bank holding company for CFBank, National Association that provides various banking products and services. It accepts savings, retail and business checking accounts, and money market accounts, as well as certificates of deposit. The company also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial lo… Read more