Estados financieros detallados de CF Bankshares Inc. (CFBK): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
CF Bankshares Inc. registró ingresos de $125.9M en el último ejercicio fiscal, con un CAGR de 5 años del 4.3%. El beneficio neto alcanzó $17.0M, con un CAGR a 5 años del -10.5%.
Márgenes de los últimos 12 meses: margen bruto 43.8%, margen operativo 18.2%, margen neto 15.1%.
Al precio actual de $34.86, CFBK cotiza a un P/E de 11.94 y un ROE del 10.09%. La capitalización bursátil es de $224M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $15.4M | $17.8M | $27.5M | $46.6M | $102.1M | $63.6M | $70.3M | $111.7M | $122.2M | $125.9M |
| Coste de Ventas | $3.3M | $3.5M | $7.0M | $13.4M | $25.5M | $8.7M | $19.8M | $63.0M | $78.5M | $73.2M |
| Beneficio Bruto | $12.1M | $14.2M | $20.5M | $33.2M | $76.6M | $54.9M | $50.5M | $48.7M | $43.7M | $52.7M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $5.6M | $6.9M | $10.6M | $15.2M | $29.0M | $22.0M | $17.5M | $17.9M | $17.2M | $3.6M |
| Gastos Operativos | $9.7M | $10.8M | $15.2M | $21.1M | $40.3M | $32.1M | $27.9M | $27.8M | $27.5M | $31.2M |
| Beneficio Operativo | $2.4M | $3.5M | $5.3M | $12.0M | $36.3M | $22.8M | $22.6M | $21.0M | $16.1M | $21.5M |
| EBITDA | $2.6M | $3.7M | $5.6M | $12.4M | $36.7M | $23.3M | $23.1M | $21.6M | $16.6M | $22.0M |
| Gastos por Intereses | $3.1M | $3.5M | $7.0M | $13.4M | $14.6M | $10.3M | $19.0M | $60.6M | $71.7M | $65.0M |
| Beneficio Antes de Impuestos | $2.4M | $3.5M | $5.3M | $12.0M | $36.3M | $22.8M | $22.6M | $21.0M | $16.1M | $21.5M |
| Impuestos | $810000 | $2.1M | $1.1M | $2.4M | $6.7M | $4.4M | $4.4M | $4.0M | $2.8M | $4.0M |
| Beneficio Neto | $1.6M | $1.3M | $4.3M | $9.6M | $29.6M | $18.5M | $18.2M | $16.9M | $13.4M | $17.0M |
| BPA | $0.28 | $0.22 | $1.02 | $2.05 | $4.53 | $2.84 | $2.84 | $2.64 | $2.08 | $2.70 |
| BPA Diluido | $0.28 | $0.22 | $1.00 | $2.03 | $4.47 | $2.77 | $2.78 | $2.63 | $2.06 | $2.69 |
| Acciones en Circulación (Diluidas) | $2.9M | $3.5M | $4.3M | $4.6M | $6.1M | $6.7M | $6.5M | $6.4M | $6.3M | $6.3M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $31.9M | $31.5M | $29.6M | $31.7M |
| Beneficio Bruto | $10.2M | $14.6M | $14.2M | $15.6M |
| Beneficio Operativo | $2.7M | $6.8M | $5.9M | $7.3M |
| EBITDA | $2.8M | $7.0M | $6.0M | $7.3M |
| Beneficio Neto | $2.3M | $5.6M | $5.0M | $5.9M |
| BPA | $0.36 | $0.88 | $0.77 | $0.91 |
| BPA Diluido | $0.36 | $0.88 | $0.77 | $0.90 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $57.7M | $45.6M | $67.4M | $46.0M | $221.7M | $166.7M | $151.9M | $261.7M | $235.4M | $259.0M |
| Inversiones a Corto | $14.1M | $11.8M | $10.1M | $8.2M | $8.7M | $16.3M | $10.4M | $8.1M | $8.7M | $17.5M |
| Cuentas por Cobrar | $4.6M | $4.7M | $6.9M | $12.3M | $34.6M | $24.6M | $20.8M | $13.5M | $7.7M | $8.7M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $76.7M | $62.1M | $84.4M | $66.4M | $265.0M | $207.6M | $183.1M | $283.3M | $251.7M | $259.1M |
| Inmovilizado Material | $3.4M | $3.5M | $3.9M | $5.8M | $5.1M | $7.8M | $5.1M | $9.0M | $9.6M | $9.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $436.1M | $481.4M | $665.0M | $880.5M | $1.48B | $1.50B | $1.82B | $2.06B | $2.07B | $2.12B |
| Cuentas por Pagar | $2.4M | $3.0M | $4.6M | $6.8M | $21.9M | $14.5M | $23.7M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $16.9M |
| Pasivos Corrientes | $377.8M | $422.0M | $584.4M | $753.2M | $1.13B | $1.26B | $1.55B | $1.74B | $1.76B | $16.9M |
| Deuda a Largo | $18.7M | $18.7M | $34.3M | $43.8M | $229.3M | $104.6M | $124.4M | $125.0M | $107.7M | $100.0M |
| Pasivos Totales | $396.8M | $441.2M | $619.5M | $799.9M | $1.37B | $1.37B | $1.68B | $1.90B | $1.90B | $1.93B |
| Reservas | -$17.8M | -$17.1M | -$12.8M | -$2.9M | $26.5M | $44.1M | $61.1M | $76.5M | $88.3M | $103.9M |
| Patrimonio Neto | $39.3M | $40.3M | $45.6M | $80.7M | $110.2M | $125.3M | $139.2M | $155.4M | $168.4M | $184.4M |
| Deuda Total | $18.7M | $18.7M | $34.3M | $45.8M | $230.8M | $106.6M | $125.8M | $130.3M | $113.9M | $121.9M |
| Deuda Neta | -$53.4M | -$38.7M | -$43.3M | -$8.4M | $407000 | -$76.4M | -$36.5M | -$139.5M | -$130.1M | -$154.6M |
| Capital Circulante | -$301.1M | -$359.9M | -$500.0M | -$686.8M | -$869.9M | -$1.05B | -$1.37B | -$1.46B | -$1.50B | $242.2M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $272.5M | $259.0M | $267.8M | $253.1M |
| Activos Totales | $2.11B | $2.12B | $2.15B | $2.17B |
| Pasivos Totales | $1.93B | $1.93B | $1.96B | $1.98B |
| Patrimonio Neto | $179.3M | $184.4M | $189.0M | $194.3M |
| Deuda Total | $122.0M | $121.9M | $122.1M | $120.2M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $1.6M | $1.3M | $4.3M | $9.6M | $29.6M | $18.5M | $18.2M | $16.9M | $13.4M | $17.5M |
| Amortizaciones | $211000 | $208000 | $248000 | $316000 | $381000 | $435000 | $496000 | $567000 | $486000 | $476000 |
| Compensación en Acciones | $122000 | $246000 | $376000 | $527000 | $711000 | $707000 | $899000 | $1.2M | $1.2M | $1.4M |
| Cambio en Capital Circulante | $1.1M | -$299000 | -$385000 | -$2.1M | -$3.9M | $2.7M | -$5.4M | -$487000 | -$4.0M | -$2.9M |
| Flujo de Caja Operativo | $1.8M | $4.0M | -$11.8M | -$103.5M | -$123.5M | $253.3M | $39.8M | $18.1M | $14.2M | $18.7M |
| Inversiones (CapEx) | -$47000 | -$312000 | -$612000 | -$443000 | -$385000 | -$3.0M | -$905000 | -$661000 | -$266000 | -$487000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$30000 | -$49000 | -$42000 | -$23000 | -$680000 | -$3.1M | -$2.5M | -$299000 | -$352000 | -$1.3M |
| Dividendos Pagados | -$750000 | -$750000 | 0 | 0 | -$195000 | -$848000 | -$1.2M | -$1.5M | -$1.6M | -$1.9M |
| Flujo de Caja Libre | $1.7M | $3.6M | -$12.4M | -$104.0M | -$123.8M | $250.3M | $38.9M | $17.4M | $13.9M | $18.2M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $5.5M | $3.0M | $4.7M | $5.1M |
| Inversiones (CapEx) | -$263000 | -$55000 | -$109000 | $109000 |
| Flujo de Caja Libre | $5.2M | $3.0M | $4.6M | $5.2M |
| Dividendos Pagados | -$519000 | -$520000 | -$583000 | -$586000 |
| Compensación en Acciones | $370000 | $320000 | $366000 | $483000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +15.1% | +54.6% | +69.5% | +119.1% | -37.7% | +10.4% | +58.9% | +9.4% | +3.1% |
| Crecimiento Beneficio Neto (anual) | | -17.3% | +217.5% | +124.7% | +208.4% | -37.7% | -1.6% | -6.8% | -21.0% | +27.0% |
| Crecimiento BPA (anual) | | -21.4% | +363.6% | +101.0% | +121.0% | -37.3% | +0.0% | -7.0% | -21.2% | +29.8% |
| Cambio en Acciones (anual) | | +20.1% | +23.9% | +6.6% | +31.9% | +8.9% | -1.7% | -1.3% | -2.1% | +0.4% |
| Crecimiento FCF (anual) | | +108.5% | -441.4% | -737.1% | -19.1% | +302.1% | -84.5% | -55.2% | -19.9% | +30.7% |
| Margen Bruto | 78.5% | 80.1% | 74.5% | 71.2% | 75.0% | 86.3% | 71.9% | 43.6% | 35.8% | 41.8% |
| Margen Operativo | 15.8% | 19.5% | 19.4% | 25.8% | 35.5% | 35.9% | 32.1% | 18.8% | 13.2% | 17.1% |
| Margen EBITDA | 17.1% | 20.6% | 20.3% | 26.5% | 35.9% | 36.5% | 32.9% | 19.3% | 13.6% | 17.5% |
| Margen Neto | 10.5% | 7.6% | 15.5% | 20.6% | 29.0% | 29.0% | 25.8% | 15.2% | 11.0% | 13.5% |
| Margen FCF | 11.3% | 20.5% | -45.2% | -223.2% | -121.3% | 393.4% | 55.3% | 15.6% | 11.4% | 14.5% |
| Tasa Impositiva Efectiva | 33.2% | 61.1% | 19.8% | 20.3% | 18.4% | 19.1% | 19.6% | 19.3% | 17.1% | 18.5% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.60 | $1.04 | $-2.86 | $-22.47 | $-20.28 | $37.65 | $5.95 | $2.70 | $2.21 | $2.87 |
| Dividendo por Acción | $0.26 | $0.21 | $0.00 | $0.00 | $0.03 | $0.13 | $0.18 | $0.23 | $0.26 | $0.31 |
| Acciones en Circulación (Básicas) | $2.9M | $3.3M | $4.3M | $4.6M | $6.0M | $6.5M | $6.4M | $6.4M | $6.3M | $6.3M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 10.09% |
| Rentabilidad sobre capital invertido | 0.88% |
| Rentabilidad sobre activos | 0.87% |
| Margen bruto | 43.79% |
| Margen operativo | 18.20% |
| Margen neto | 15.10% |
Salud financiera
| Deuda / Patrimonio | 0.62 |
| Ratio corriente | 15.36 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 34.39 | 68.77 | 11.46 | 6.80 | 3.91 | 7.23 | 7.46 | 7.39 | 12.28 | 9.24 |
| P/VC | 0.71 | 1.22 | 1.09 | 0.79 | 0.97 | 1.07 | 0.97 | 0.81 | 0.95 | 0.85 |
| P/V | 1.82 | 2.77 | 1.81 | 1.37 | 1.04 | 2.10 | 1.93 | 1.12 | 1.31 | 1.25 |
| Margen Bruto | 78.5% | 80.1% | 74.5% | 71.2% | 75.0% | 86.3% | 71.9% | 43.6% | 35.8% | 41.8% |
| Margen Operativo | 15.8% | 19.5% | 19.4% | 25.8% | 35.5% | 35.9% | 32.1% | 18.8% | 13.2% | 17.1% |
| Margen Neto | 10.5% | 7.6% | 15.5% | 20.6% | 29.0% | 29.0% | 25.8% | 15.2% | 11.0% | 13.5% |