CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2025.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 03 2025
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Should l Buy CFBK?
Source: PRnewswire
Financial Performance: CF Bankshares Inc. reported a net income of $2.3 million for Q3 2025, down from $4.2 million in Q3 2024, primarily due to a $5.1 million provision for credit losses. Pre-provision, pre-tax net revenue increased by 33% year-over-year to $7.8 million.
Credit Quality Improvement: The bank saw a significant decline in nonaccrual loans by 40% and total delinquencies by 63% compared to the previous quarter, indicating improved credit quality metrics.
Capital and Deposits: CFBank maintained a strong capital position with a Tier 1 Leverage ratio of 11.19% and total deposits of $1.78 billion, reflecting a slight decrease from the previous quarter but an increase from the previous year.
Future Outlook: The leadership expressed optimism for future growth, particularly in commercial loan production, anticipating a return to historical double-digit growth rates as loan payoffs are expected to decline.
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Analyst Views on CFBK
About CFBK
CF Bankshares Inc. is a holding company of CFBank, National Association (CFBank). CFBank is a commercial bank, operating primarily in five major metro markets: Columbus, Cleveland, Cincinnati, and Akron, Ohio, and Indianapolis, Indiana. It provides commercial, retail, and mortgage lending services to businesses and entrepreneurs. CFBank provides commercial loans and equipment leases, commercial and residential real estate loans and treasury management depository services, residential mortgage lending, and full-service commercial and retail banking services and products. Its loan and lease portfolio primarily consists of commercial, commercial real estate and multi-family mortgage loans, mortgage loans secured by single-family residences and, to a lesser degree, consumer loans. CFBank also finances a variety of commercial and residential construction projects. CFBank also offers the convenience of online banking, mobile banking and remote deposit capabilities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
CF Bankshares Reports Q1 2026 Financial Highlights
- Net Income Performance: CF Bankshares reported a net income of $5.0 million for Q1 2026, translating to a diluted earnings per share of $0.77, reflecting a 13% increase compared to Q1 2025, indicating the company's stability and profitability in the market.
- Commercial Loan Growth: The company achieved a net core commercial loan growth of $45 million in Q1, with an annualized growth rate of 15%, despite the impact of loan payoffs and funding timing on interest income, with expectations of benefiting from this growth in Q2.
- Non-Interest Income Increase: Non-interest income reached $1.487 million in Q1, a 23.3% increase year-over-year, primarily driven by higher service charges on deposit accounts, showcasing the company's success in diversifying its revenue streams.
- Asset Quality Improvement: As of March 31, 2026, nonaccrual loans totaled $20.3 million, representing 1.14% of total loans, which, despite an increase from the previous quarter, reflects the company's effective management of credit loss reserves to maintain strong asset quality.
See More
CF Bankshares Reports 13% Increase in Q1 Net Income
- Net Income Growth: CF Bankshares reported a net income of $5.0 million for Q1 2026, translating to $0.77 per diluted share, which marks a 13% increase from Q1 2025, indicating sustained profitability improvements that bolster investor confidence.
- Non-Interest Income Surge: The company saw a 23% year-over-year increase in non-interest income, reaching $1.487 million, primarily driven by higher customer fees, which will further support the company's revenue diversification strategy and enhance overall financial stability.
- Strong Loan Growth: Core commercial loans grew by $45 million in Q1, representing an annualized growth rate of 15%, reflecting the company's expanding capabilities in the commercial banking sector and setting a solid foundation for future revenue growth.
- Robust Capital Ratios: As of March 31, 2026, CF Bankshares maintained a Tier 1 leverage ratio of 11.76% and a total capital ratio of 15.15%, demonstrating strong capital management that provides robust support for future expansion and risk management.
See More
CF Bankshares Declares Quarterly Cash Dividend
- Dividend Announcement: CF Bankshares has declared a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock, reflecting the company's solid financial health and commitment to shareholder returns.
- Preferred Stock Conversion: Each share of Series D preferred stock is convertible into 100 shares of common stock, enhancing the attractiveness of the preferred shares and providing shareholders with potential capital appreciation opportunities, thereby boosting investor confidence.
- Dividend Payment Timeline: The dividend is set to be paid on April 21, 2026, with a record date of April 13, 2026, ensuring shareholders receive timely returns and demonstrating the company's focus on shareholder interests.
- Market Positioning and Services: CFBank focuses on providing comprehensive commercial, retail, and mortgage lending services to closely held businesses and entrepreneurs, leveraging personalized service and direct access to decision-makers to strengthen its competitive edge in major markets.
See More
PNC Declares $1.70 Quarterly Cash Dividend Payable February 2026
- PNC Dividend Declaration: The board of directors of PNC Financial Services Group declared a quarterly cash dividend of $1.70 per share, payable on February 5, 2026, reflecting the company's ongoing profitability and commitment to shareholder returns.
- CF Bankshares Dividend Increase: CF Bankshares announced a quarterly cash dividend of $0.09 per share, representing a 13% increase over the previous quarter, payable on January 26, 2026, indicating enhanced profitability and shareholder focus.
- Bank OZK Dividend Growth: Bank OZK's board declared a quarterly cash dividend of $0.46 per share, up $0.01 or 2.22% from the prior quarter, marking the 62nd consecutive quarter of dividend increases, showcasing the company's stable financial performance and commitment to shareholders.
- Sabine Royalty Trust Distribution: Argent Trust Company declared a cash distribution of $0.321550 per unit, payable on January 29, 2026, demonstrating the trust's ongoing ability to provide returns to its unit holders.
See More
CF Bankshares Increases Quarterly Cash Dividend by 13%
- Dividend Increase: CF Bankshares announced an increase in its quarterly cash dividend from $0.08 to $0.09 per share, representing a 13% growth aimed at enhancing shareholder returns and boosting investor confidence.
- Preferred Stock Dividend: The cash dividend for Series D preferred stock has also been raised to $9.00 per share, further demonstrating the company's commitment to its shareholders and likely attracting more investor interest.
- Payment Schedule: This dividend will be payable on January 26, 2026, to shareholders of record as of January 15, 2026, ensuring timely rewards for shareholders and enhancing the company's credibility in the market.
- Business Growth Context: Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate of 20%, indicating the company's success in meeting the financial needs of closely held businesses and solidifying its market position.
See More
CF Bankshares Extends Stock Repurchase Program to August 15, 2026
- Repurchase Program Extension: CF Bankshares' Board of Directors has approved the extension of its stock repurchase program to August 15, 2026, allowing for the repurchase of up to 325,000 shares, approximately 5% of the company's outstanding stock, aimed at enhancing shareholder value.
- Repurchase Progress: To date, the company has repurchased 54,644 shares, demonstrating confidence in the stock's value while reflecting management's positive assessment of market conditions.
- Market Strategy: Repurchases will be conducted through open market transactions and privately negotiated deals, in compliance with securities laws, aimed at leveraging current market prices to boost shareholder returns and strengthen the company's competitive position.
- Management Confidence: CEO Timothy T. O'Dell stated that the extension of the repurchase program reflects confidence in the company's business model and intrinsic value, which is expected to further enhance investor trust in the company.
See More
CF Bankshares Reports Q1 2026 Financial Highlights
- Net Income Performance: CF Bankshares reported a net income of $5.0 million for Q1 2026, translating to a diluted earnings per share of $0.77, reflecting a 13% increase compared to Q1 2025, indicating the company's stability and profitability in the market.
- Commercial Loan Growth: The company achieved a net core commercial loan growth of $45 million in Q1, with an annualized growth rate of 15%, despite the impact of loan payoffs and funding timing on interest income, with expectations of benefiting from this growth in Q2.
- Non-Interest Income Increase: Non-interest income reached $1.487 million in Q1, a 23.3% increase year-over-year, primarily driven by higher service charges on deposit accounts, showcasing the company's success in diversifying its revenue streams.
- Asset Quality Improvement: As of March 31, 2026, nonaccrual loans totaled $20.3 million, representing 1.14% of total loans, which, despite an increase from the previous quarter, reflects the company's effective management of credit loss reserves to maintain strong asset quality.
See More
CF Bankshares Reports 13% Increase in Q1 Net Income
- Net Income Growth: CF Bankshares reported a net income of $5.0 million for Q1 2026, translating to $0.77 per diluted share, which marks a 13% increase from Q1 2025, indicating sustained profitability improvements that bolster investor confidence.
- Non-Interest Income Surge: The company saw a 23% year-over-year increase in non-interest income, reaching $1.487 million, primarily driven by higher customer fees, which will further support the company's revenue diversification strategy and enhance overall financial stability.
- Strong Loan Growth: Core commercial loans grew by $45 million in Q1, representing an annualized growth rate of 15%, reflecting the company's expanding capabilities in the commercial banking sector and setting a solid foundation for future revenue growth.
- Robust Capital Ratios: As of March 31, 2026, CF Bankshares maintained a Tier 1 leverage ratio of 11.76% and a total capital ratio of 15.15%, demonstrating strong capital management that provides robust support for future expansion and risk management.
See More
CF Bankshares Declares Quarterly Cash Dividend
- Dividend Announcement: CF Bankshares has declared a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock, reflecting the company's solid financial health and commitment to shareholder returns.
- Preferred Stock Conversion: Each share of Series D preferred stock is convertible into 100 shares of common stock, enhancing the attractiveness of the preferred shares and providing shareholders with potential capital appreciation opportunities, thereby boosting investor confidence.
- Dividend Payment Timeline: The dividend is set to be paid on April 21, 2026, with a record date of April 13, 2026, ensuring shareholders receive timely returns and demonstrating the company's focus on shareholder interests.
- Market Positioning and Services: CFBank focuses on providing comprehensive commercial, retail, and mortgage lending services to closely held businesses and entrepreneurs, leveraging personalized service and direct access to decision-makers to strengthen its competitive edge in major markets.
See More
PNC Declares $1.70 Quarterly Cash Dividend Payable February 2026
- PNC Dividend Declaration: The board of directors of PNC Financial Services Group declared a quarterly cash dividend of $1.70 per share, payable on February 5, 2026, reflecting the company's ongoing profitability and commitment to shareholder returns.
- CF Bankshares Dividend Increase: CF Bankshares announced a quarterly cash dividend of $0.09 per share, representing a 13% increase over the previous quarter, payable on January 26, 2026, indicating enhanced profitability and shareholder focus.
- Bank OZK Dividend Growth: Bank OZK's board declared a quarterly cash dividend of $0.46 per share, up $0.01 or 2.22% from the prior quarter, marking the 62nd consecutive quarter of dividend increases, showcasing the company's stable financial performance and commitment to shareholders.
- Sabine Royalty Trust Distribution: Argent Trust Company declared a cash distribution of $0.321550 per unit, payable on January 29, 2026, demonstrating the trust's ongoing ability to provide returns to its unit holders.
See More
CF Bankshares Increases Quarterly Cash Dividend by 13%
- Dividend Increase: CF Bankshares announced an increase in its quarterly cash dividend from $0.08 to $0.09 per share, representing a 13% growth aimed at enhancing shareholder returns and boosting investor confidence.
- Preferred Stock Dividend: The cash dividend for Series D preferred stock has also been raised to $9.00 per share, further demonstrating the company's commitment to its shareholders and likely attracting more investor interest.
- Payment Schedule: This dividend will be payable on January 26, 2026, to shareholders of record as of January 15, 2026, ensuring timely rewards for shareholders and enhancing the company's credibility in the market.
- Business Growth Context: Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate of 20%, indicating the company's success in meeting the financial needs of closely held businesses and solidifying its market position.
See More
CF Bankshares Extends Stock Repurchase Program to August 15, 2026
- Repurchase Program Extension: CF Bankshares' Board of Directors has approved the extension of its stock repurchase program to August 15, 2026, allowing for the repurchase of up to 325,000 shares, approximately 5% of the company's outstanding stock, aimed at enhancing shareholder value.
- Repurchase Progress: To date, the company has repurchased 54,644 shares, demonstrating confidence in the stock's value while reflecting management's positive assessment of market conditions.
- Market Strategy: Repurchases will be conducted through open market transactions and privately negotiated deals, in compliance with securities laws, aimed at leveraging current market prices to boost shareholder returns and strengthen the company's competitive position.
- Management Confidence: CEO Timothy T. O'Dell stated that the extension of the repurchase program reflects confidence in the company's business model and intrinsic value, which is expected to further enhance investor trust in the company.
See More
