---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-064130"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2025-05-06T23:59:59+00:00"
generated_at: "2026-05-22T10:41:18.105226+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-064130
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2025-05-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000095017025064130/0000950170-25-064130-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000095017025064130/cfbk-20250506.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-064130
- JSON: https://secwatch.observer/filing/0000950170-25-064130.json
- Plain text: https://secwatch.observer/filing/0000950170-25-064130.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.