CFBK

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.

Dividend Announcement: CF Bankshares Inc. declared a quarterly cash dividend of $0.08 per share on common stock and $8.00 per share on Series D preferred stock, payable on October 21, 2025, to shareholders of record by October 13, 2025.

Company Overview: CF Bankshares Inc. is the parent company of CFBank, a boutique commercial bank operating in major Ohio cities and Indianapolis, focusing on personalized financial services for closely held businesses and entrepreneurs.

Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Rush Street Interactive, Udemy, Envista, Dorman Products, and CF Bankshares, all of which have seen significant increases in their earnings estimates over the past 60 days.

Investment Opportunities: These stocks are considered to have strong growth potential, with previous recommendations yielding returns of +171%, +209%, and +232%, presenting a promising opportunity for investors looking to capitalize on lesser-known stocks.