{"filings":[{"id":706157,"accession_number":"0001193125-26-243166","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-05-28T13:26:45+00:00","items":["5.07"],"status":"ready","headline":"CF Bankshares elects Hoeweler and Ringwald as directors; say-on-pay, auditor ratified","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Hoeweler elected with 2,856,312 for (76.3% of votes cast excluding broker non-votes); Ringwald with 3,706,567 for (99.0%).","Say-on-pay advisory resolution passed with 3,104,012 for (82.9% of votes cast), 592,780 against.","Ratification of Plante & Moran as auditor for 2026 passed with 4,583,807 for (99.98%), only 658 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":678238,"accession_number":"0001193125-26-240626","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-05-27T12:59:41+00:00","items":["7.01","9.01"],"status":"ready","headline":"CF Bankshares holds annual meeting; slides contain no material updates","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Meeting held May 27, 2026; slide deck furnished but no financial data included.","No earnings, guidance, or business updates disclosed.","Stockholder meeting covered Columbus, Cleveland, Cincinnati, Akron, Indianapolis locations.","No changes to management, dividend, or capital plans announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91090,"accession_number":"0001193125-26-205631","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q1 2026 net income $5.0M ($0.77 EPS), up 13% YoY; nonaccrual loans rise $5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.0M ($0.77 diluted EPS) vs $4.4M ($0.68) in Q1 2025, a 13% increase.","Net interest margin 2.69%, up 5 bps YoY; PPNR $6.5M, up 5.4% YoY.","Noninterest income up 23% ($281k) driven by customer fees and treasury management.","Nonaccrual loans increased $5.0M to $20.3M (1.14% of loans), mainly one non-core C&I loan.","Core commercial loan growth $45M net, annualized rate of 15%; book value per share $28.20."],"consensus_eps_estimate":null,"consensus_eps_actual":0.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91089,"accession_number":"0001193125-26-175963","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CF Bankshares shareholder letter: 1-yr total return +28% vs NASDAQ Bank Index +12%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stock outperformed NASDAQ Bank Index by 16pp through April 1, 2026: +28% vs +12%.","Nearly doubled size of Regional Business Banking teams and related staff in 2025 to scale commercial franchise.","Adding proven mortgage loan producers to drive non-interest fee income from secondary market sales.","2026 priorities: disciplined growth, strong execution, long-term shareholder value creation.","CFBank targets NFP segment for treasury management and core deposit growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101000,"accession_number":"0001193125-26-125864","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-03-26T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CF Bankshares appoints Bradley Ringwald to board effective March 25, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ringwald appointed to fill vacancy from Sundeep Rana's resignation; term expires at 2026 annual meeting.","He has served as President of CFBank since October 2022; previously EVP and Chief Commercial Banking Officer.","No arrangement or understanding with any other person for his selection; no material related-party transactions beyond ordinary banking and executive compensation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100999,"accession_number":"0001193125-26-038599","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2026-02-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q4 net income $5.7M ($0.88 EPS); full year 2025 net income $17.5M, up 31% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 pre-provision pre-tax net revenue $8.0M; full year PPNR $29.8M, up 30% YoY.","Net interest margin increased 28bps to 2.85% in Q4; efficiency ratio improved to 49.2% from 53.2%.","Nonaccrual loans rose to $15.3M (0.87% of loans), but $5.1M SBA guaranteed; provision expense $1.2M.","Book value per share $27.87; declared $0.09 common dividend paid Jan 26, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":2.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117330,"accession_number":"0001193125-25-323818","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-12-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CF Bankshares extends stock repurchase program to August 15, 2026","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved extension of existing buyback authorization through August 15, 2026.","Program authorizes up to 325,000 shares (~5% of outstanding); 54,644 repurchased to date.","Repurchases may be made via open market or private transactions; no guarantee on amount.","Management cites confidence in business model and intrinsic value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117329,"accession_number":"0001193125-25-322165","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-12-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Board member Sundeep Rana resigns as Castle Creek stake falls below 4.9%","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Sundeep Rana resigned from CF Bankshares board effective December 15, 2025.","Resignation triggered by Castle Creek Capital Partners ceasing to own at least 4.9% of CFBK common stock.","Rana had served since July 2021 as Castle Creek's designee under the 2019 Securities Purchase Agreement.","Resignation not due to any disagreement with the Company on operations, policies or practices.","No replacement director announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117328,"accession_number":"0001193125-25-303575","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-12-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CEO Timothy O'Dell terminates 10b5-1 trading plan for up to 40,000 shares; no sales occurred","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["O'Dell terminated his Rule 10b5-1 trading plan on December 1, 2025.","Plan was adopted September 4, 2025, covering up to 40,000 shares through April 30, 2026.","No shares were sold under the plan prior to termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117327,"accession_number":"0001193125-25-261792","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-11-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q3 net income $2.3M ($0.36/dil) vs $4.2M a year ago; $7M non-customer loan charged off","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $2.3M ($0.36 diluted EPS) down from $4.2M ($0.65) in Q3 2024, with $5.1M provision expense.","Pre-provision net revenue (PPNR) $7.8M, up 33% YoY; efficiency ratio improved to 49.8% from 55.3%.","Full charge-off of $7M non-customer loan increased provision by $3.7M; nonaccrual loans fell 40% QoQ.","Net interest margin expanded 35bps YoY to 2.76%; cost of funds declined 58bps.","Core deposits up $20M QoQ; Tier 1 Leverage ratio 11.19%; dividend of $0.08 per share declared."],"consensus_eps_estimate":null,"consensus_eps_actual":1.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117326,"accession_number":"0001193125-25-231026","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-10-06T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CF Bankshares voting shares rise to 6.37M after conversion of 90,300 non-voting shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["As of Oct 3, 2025, voting common stock outstanding increased to 6,367,075 from 6,276,775 on Sep 26, 2025.","Non-voting common stock decreased from 167,000 to 76,700 shares due to conversions.","Issuance of 90,300 voting shares resulted from conversion of non-voting common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.12,"calibrated_materiality_score":0.12,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133762,"accession_number":"0001193125-25-221905","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CF Bankshares reports conversion of 240,000 Non-Voting shares into Voting Common Stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["As of Sep 26, 2025, Voting Common Stock outstanding increased to 6,276,775 from 6,036,775.","Conversion of 240,000 Non-Voting Common shares reduced Non-Voting shares outstanding from 407,000 to 167,000.","No other changes to capital structure or share count reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133761,"accession_number":"0001193125-25-204598","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-09-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CF Bankshares updates share count; Voting shares rise to 6,036,775 from 5,772,207","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["As of Sep 15, 2025: 6,036,775 Voting shares outstanding vs 5,772,207 on Aug 4, 2025.","Increase driven by conversion of 268,300 Non-Voting shares into Voting shares.","Partially offset by purchase of 3,240 Voting treasury shares and forfeiture of 492 restricted Voting shares.","Non-Voting shares decreased to 407,000 from 675,300 on Aug 4, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133760,"accession_number":"0000950170-25-101652","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CFBK Q2 net income $5.0M ($0.77 EPS) up 197% YoY; NIM 2.83%, efficiency 49.8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.0M ($0.77 diluted EPS) vs $1.7M ($0.26) in Q2 2024, up 197%.","Pre-provision pre-tax net revenue $7.8M, up 42% from Q2 2024 and 27% from Q1 2025.","Net interest margin expanded 44bps YoY to 2.83%; cost of funds down 48bps vs Q2 2024.","Efficiency ratio improved to 49.8% from 56.4% a year ago; ROE 11.47%, ROA 0.97%.","Board declared $0.08 common dividend paid July 21; provision for credit losses $1.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150486,"accession_number":"0000950170-25-081621","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"CF Bankshares annual meeting elects three directors, say-on-pay and auditor approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Thomas P. Ash, James H. Frauenberg, David L. Royer elected directors for three-year terms expiring 2028.","Non-binding advisory resolution on executive compensation (Proposal 2) passed with 2,468,565 for, 515,621 against.","Advisory vote on frequency: 1-year selected (2,919,218 votes), future say-on-pay votes will be annual.","Ratification of Plante & Moran as auditor for FY2025 approved (4,041,043 for, 5,312 against).","4,050,359 of 5,216,059 outstanding shares represented at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150485,"accession_number":"0000950170-25-081425","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CF Bankshares annual meeting slides contain no material financial updates","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Slides provided for June 4, 2025 annual meeting include only a title page and office locations; no financial results or strategic updates.","No guidance, dividend changes, or operational metrics disclosed.","Meeting held virtually; no new business items or shareholder votes detailed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150484,"accession_number":"0000950170-25-064130","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q1 net income $4.4M ($0.68 EPS), up 44% YoY; NIM expands 28bps to 2.64%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.4M ($0.68 diluted EPS) up 44% from $3.1M ($0.47) in Q1 2024; PPNR $6.2M.","NIM 2.64%, up 28bps YoY and 7bps QoQ; net interest income $12.9M, up 14.4% YoY.","Noninterest-bearing deposits up $18M (+7%) during Q1; sold $18.1M residential loans; redeployed to commercial.","Book value per share $25.86; ROE 10.37%, ROA 0.86%; dividend $0.07/common paid Apr 22.","Matt Tuohey hired as NE Ohio Market President in Apr 2025; new $10M revolving credit line secured."],"consensus_eps_estimate":null,"consensus_eps_actual":0.68,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150483,"accession_number":"0000950170-25-063186","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CF Bankshares provides 2025 outlook and authorizes stock buyback of up to 5% of shares","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Board authorized buyback of up to 325,000 shares (~5% of outstanding) through Jan 31, 2026.","Q4 2024 showed improved margins and operational stability after credit losses on two loan participations.","Sold lower-rate residential mortgage loans in Q1 2025; proceeds to redeploy into commercial loans.","Hiring experienced bankers from regional banks to expand presence in five markets.","Management cites strong pipelines and optimistic outlook for 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169454,"accession_number":"0001070680-25-000012","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"CF Bankshares appoints Plante & Moran as new auditor, dismisses Forvis Mazars","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee approved Plante & Moran as independent auditor for FY 2025, effective March 26, 2025.","Forvis Mazars dismissed; its reports for 2024 and 2023 were unqualified with no adverse opinions.","No disagreements or reportable events occurred during the past two fiscal years or subsequent interim period.","No consultations with Plante & Moran prior to engagement on accounting or audit matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169453,"accession_number":"0001070680-25-000006","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Inc. Reports Q4 2024 Net Income of $4.4 Million, Full Year $13.4 Million","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q4 2024 was $4.4 million ($0.68 per diluted share), compared to $4.2 million in Q3 2024 and $4.2 million in Q4 2023.","Pre-provision pre-tax net revenue (PPNR) for Q4 2024 was $6.5 million, a 12% increase from $5.8 million in Q3 2024.","Net interest margin expanded 16 basis points to 2.57% in Q4 2024, driven by a 30bps reduction in average cost of interest-bearing liabilities.","Noninterest-bearing deposits increased $38 million (16%) during 2024, reflecting growth in commercial treasury management relationships.","Nonaccrual loans rose to $14.5 million (0.84% of total loans) at December 31, 2024, up from $5.7 million a year earlier."],"consensus_eps_estimate":null,"consensus_eps_actual":2.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169452,"accession_number":"0001070680-25-000003","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CF Bankshares authorizes repurchase of up to 325,000 shares (~5% of outstanding) by Jan 31, 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized new stock buyback program for up to 325,000 shares (~5% of outstanding) on Jan 29, 2025; announced Feb 4, 2025.","Repurchases may be conducted via open market or private transactions, subject to market conditions and regulatory requirements.","No guarantee on exact number or value of shares repurchased; program may be suspended or discontinued at any time.","CEO Timothy O'Dell commented program reflects confidence in the Company's business model and commitment to enhancing shareholder value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186506,"accession_number":"0001070680-24-000030","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q3 net income $4.2M ($0.65 EPS); NIM expands; nonaccrual loans rise","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.2M ($0.65 diluted EPS) vs $1.7M in Q2 and $4.0M in Q3 2023; PPNR $5.8M.","Net interest margin increased 2 bps QoQ to 2.41%; noninterest bearing deposits up $40M (18%).","Nonaccrual loans increased to $14.6M (0.84% of loans) from $10.9M at Q2; net charge-offs $3.3M in Q3.","Total deposits $1.75B (+2.9% QoQ); FHLB advances decreased $28.5M to $108.7M.","Dividend declared $0.07/share common, paid Oct 19, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203083,"accession_number":"0001070680-24-000025","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q2 net income drops to $1.7M; $3.1M additional reserves on loan participations","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.7M ($0.26 diluted EPS) vs $4.2M ($0.66) year ago; adjusted EPS $0.65 excluding $3.1M specific reserves.","Provision for credit losses surged to $3.6M from $12K year ago, driven by two regional bank loan participations placed on nonaccrual.","Net interest margin improved 3bps sequentially to 2.39%; PPNR was $5.5M compared to $5.0M prior quarter.","Nonaccrual loans rose to $10.9M (0.64% of loans) from $7.9M at March 31; core loan book past due 30+ days at 0.23%.","Board declared $0.06 per share quarterly dividend, payable July 19; deposits down 1.5% sequentially."],"consensus_eps_estimate":null,"consensus_eps_actual":0.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219375,"accession_number":"0001070680-24-000022","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-06-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CF Bankshares amends CEO O'Dell and President Ringwald change-of-control severance terms","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO O'Dell change-of-control payout revised to 2x (base salary + avg of last 2 years' cash bonuses and equity at grant FMV).","President Ringwald change-of-control multiplier increased to 1.5x (base salary + avg annual bonus over prior 24 months).","O'Dell's 2024 bonus opportunity unchanged at 125% of base salary.","Amendments also specify bonus determination process and timing by Compensation Committee.","Both amendments effective June 6, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219374,"accession_number":"0001070680-24-000019","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-05-31T23:59:59+00:00","items":["3.02","5.07","9.01"],"status":"ready","headline":"CF Bankshares issues Series D preferred for common stock; shareholders elect directors, approve equity plan amendment","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 160 shares of Series D non-voting convertible perpetual preferred stock in exchange for 16,000 voting common shares.","Elected directors Edward W. Cochran and Timothy T. O'Dell for three-year terms expiring in 2027.","Approved non-binding advisory resolution on executive compensation (2,727,193 for, 284,154 against).","Ratified FORVIS, LLP as independent auditor for fiscal year 2024 (3,975,717 for).","Approved First Amendment to 2019 Equity Incentive Plan increasing reserved shares from 300,000 to 500,000."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219373,"accession_number":"0001070680-24-000014","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q1 net income $3.1M ($0.47 EPS), down from $4.2M in Q4 and $4.4M a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.1M ($0.47 diluted EPS) vs $4.2M ($0.65) Q4 2023 and $4.4M ($0.68) Q1 2023.","Net interest margin 2.36% (down 8bps QoQ, down 57bps YoY) on higher deposit costs.","Provision for credit losses $1.2M (vs $875K Q4 2023); nonaccrual loans rose to $7.9M from $5.7M.","Core deposit balances increased $30.8M; new commercial loan production $37.3M.","Declared $0.06 dividend paid April 29, 2024; book value per share $24.17."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219372,"accession_number":"0001070680-24-000008","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-04-15T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CF Bankshares discloses OCC 'Needs to Improve' CRA rating; details remediation efforts","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["CFBank received 'Needs to Improve' CRA rating from OCC for 2020-2022, down from prior 'Satisfactory' in 2020.","Lending test rated 'Needs to Improve'; community development test rated 'Satisfactory'.","By 2023, LMI residential mortgage loans rose to 34.31% (vs 11.23% in 2020, 12.50% in 2021).","Initiatives include Low-Income Housing Credit Loan Program, rate reductions on loans <$150k, and Ohio Housing Finance Agency application.","Next OCC evaluation expected in 2026; company expects improvement but cannot assure outcome."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239204,"accession_number":"0001070680-24-000003","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-02-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CF Bankshares Q4 net income $4.2M ($0.65 EPS); full-year $16.9M ($2.63 EPS); assets top $2B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023 net income $4.2M ($0.65 diluted EPS) vs $4.0M ($0.62) prior quarter and $4.7M ($0.72) year ago.","Full year 2023 net income $16.9M ($2.63 EPS) vs $18.2M ($2.78) in 2022; pre-provision net revenue $23.3M.","Total assets reached $2.0B; net loans $1.7B (+7.8% YoY); deposits $1.7B (+14.1% YoY).","Nonaccrual loans rose to $5.7M (0.33% of loans) from $0.8M at Dec 2022; net charge-offs $623K in Q4 from two trucking loans.","Board declared $0.06 per share cash dividend paid Jan 29, 2024 (unchanged from prior quarter)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239203,"accession_number":"0001193125-24-024835","cik":1070680,"company_name":"CF BANKSHARES INC.","ticker":"CFBK","form_type":"8-K","filed_at":"2024-02-06T23:59:59+00:00","items":["3.02","5.03","9.01"],"status":"ready","headline":"CF Bankshares exchanges 200,000 common shares for 2,000 Series D preferred shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 2,000 Series D non-voting convertible perpetual preferred stock to an existing stockholder in exchange for 200,000 voting common shares.","Series D designation of 5,000 authorized shares filed Feb 5 to facilitate stock repurchases, including existing buyback program.","Series D preferred: no voting rights, convertible on a 100:1 basis to non-voting or voting common (subject to 9.9% ownership cap).","Dividend rights identical to common shares on as-converted basis; shares are not redeemable."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":186857144.01633522,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}