CF Bankshares Q1 net income $4.4M ($0.68 EPS), up 44% YoY; NIM expands 28bps to 2.64%

CF BANKSHARES INC.

2025-Q1 EPS reported $0.68

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.

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