COLUMBUS, Ohio, Feb. 5, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the ...

CFBK

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.

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  <section data-block="information">
    <h3>Information</h3>
    <p>COLUMBUS, Ohio, Feb. 5, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the &quot;Company&quot;), the ...</p>
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  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>CF Bankshares Inc. (CFBK) reported a strong performance for Q4 and full year 2025, with net income up 30% and significant improvement in net interest margin and efficiency ratios. The net income included a remarkable $369 million in commercial loan fundings, setting the stage for further growth as CFBK enters 2026 with robust pipelines and a strong capital position.</p>
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  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>CFBK reported Q4 net income of $5.7 million, a 30% increase year-over-year.</li><li>Net interest margin rose to 2.85%, benefiting from lower cost of funds.</li><li>Strong loan growth with $369 million in commercial loans funded in 2025.</li><li>Efficiency ratio improved to 49.2%, enhancing profitability metrics.</li><li>Cash dividend of $0.09 per share declared in January 2026.</li></ul>
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  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>CF Bankshares Inc. (CFBK)</strong>: Strong financial results suggest growth potential for investors.</li></ul>
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  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>This news falls under corporate developments as it highlights significant financial improvements and strategic initiatives that can influence investor sentiment positively. The robust financial metrics and growth trajectory indicate a favorable position within the banking industry, reinforcing CFBK&#039;s role as a competitive entity in its market segments.</p>
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  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Net income growth of 31% YoY highlights strong operational performance.</li><li>Improved efficiency ratio at 49.2% positions CFBK favorably against peers.</li><li>Increased commercial loan funding signals strong future revenue potential.</li><li>Dividend declaration may attract income-focused investors, boosting stock demand.</li></ul>
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  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Q4 2025 net income reached $5.7 million, or $0.88 per share.</li><li>Full year 2025 net income totaled $17.5 million, up 31% from 2024.</li><li>Net interest margin for Q4 increased by 28bps YoY to 2.85%.</li><li>Cost of funds declined by 45bps YoY, reducing financial burden.</li><li>Total deposits rose to $1.78 billion, an increase of 1.4% YoY.</li></ul>
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  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>CFBK is well-positioned for continued growth; bullish outlook over the next 6-12 months.</p>
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<article>
    <h2>CF Bankshares Inc. Reports 2025 Financial Results</h2>
    <p>CF Bankshares Inc. (NASDAQ: CFBK), the parent company of CFBank, National Association, has released its financial results for the fourth quarter and the full year ending December 31, 2025. The company showcased significant growth in net income and key financial metrics, highlighting its performance amidst a challenging economic landscape.</p>

    <section>
        <h3>Fourth Quarter and Annual Financial Highlights</h3>
        <ul>
            <li><strong>Net Income:</strong> $5.7 million ($0.88 per diluted common share) for Q4 2025; $17.5 million ($2.69 per diluted common share) for the full year, representing a <em>31% increase</em> over 2024.</li>
            <li><strong>Pre-Provision, Pre-Tax Net Revenue (PPNR):</strong> $8.0 million for Q4; $29.8 million for the year, reflecting a <em>30% increase</em> year-over-year.</li>
            <li><strong>Return on Average Equity (ROE):</strong> 12.59% for Q4 2025; <strong>Return on Average Assets (ROA):</strong> 1.09%.</li>
            <li><strong>Net Interest Margin (NIM):</strong> Increased by <strong>28 basis points</strong> for Q4 2025 compared to Q4 2024, and by <strong>34 basis points</strong> for the year.</li>
            <li><strong>Efficiency Ratio:</strong> Improved to 49.2% in Q4 2025, down from 53.2% in the previous year.</li>
            <li><strong>Book Value per Share:</strong> Increased to <strong>$27.87</strong> as of December 31, 2025.</li>
            <li><strong>Core Deposits:</strong> Increased by $47 million throughout 2025.</li>
            <li><strong>Commercial Loan Fundings:</strong> Totaled $369 million in 2025.</li>
        </ul>
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    <section>
        <h3>Recent Dividends and Investor Information</h3>
        <p>On January 5, 2026, the Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and $9.00 per share on its Series D Preferred Stock. This dividend was paid on January 26, 2026, to shareholders on record as of January 15, 2026.</p>
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    <section>
        <h3>CEO's Insights on Company Performance</h3>
        <p>Timothy T. O'Dell, President and CEO, stated, “Our Q4 Results, with Net Income of $5.7 million, underscores our Core Earnings run rate expectations. Despite significantly elevated loan payoffs, we successfully generated new loans and expanded our customer base.”</p>
        <p>O'Dell emphasized the company’s strategic growth in its Commercial and Regional Banking Teams across four metro markets, which is expected to enhance business opportunities going forward.</p>
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    <section>
        <h3>Interest Income and Non-Interest Income Overview</h3>
        <p>Net interest income reached $14.3 million for Q4 2025, marking a <strong>3.9%</strong> increase from the previous quarter and a <strong>14.3%</strong> rise year-over-year. This uptick was driven by a decrease in interest expenses and a marginal increase in interest-earning assets.</p>
        
        <p>Noninterest income for Q4 2025 totaled $1.4 million, representing a <strong>17.2% decrease</strong> from the prior quarter, primarily due to reduced swap fee income.</p>
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    <section>
        <h3>Looking Ahead</h3>
        <p>As the company enters 2026, it is positioned to navigate a more stable interest rate environment, which potentially favors earnings growth. With ongoing enhancements to its efficiency and competitive edge in attracting deposits, CF Bankshares Inc. (NASDAQ: CFBK) aims to broaden its commercial growth and maintain its upward trajectory.</p>
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CF Bankshares Inc. (CFBK) reported a strong performance for Q4 and full year 2025, with net income up 30% and significant improvement in net interest margin and efficiency ratios. The net income included a remarkable $369 million in commercial loan fundings, setting the stage for further growth as CFBK enters 2026 with robust pipelines and a strong capital position.

CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 4th QUARTER AND FULL YEAR 2025.

AI Summary

Sentiment Rationale

Trading Thesis

Market-Moving

Key Facts

Companies Mentioned

Corporate Developments

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