---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-22-000003"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2022-02-07T23:59:59+00:00"
generated_at: "2026-06-27T10:29:15.586258+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q4 net income $4.5M, EPS $0.68; full-year net income $18.5M, EPS $2.77

## Summary
- Net income of $4.5M ($0.68 diluted EPS) for Q4 2021 vs $7.3M ($1.11 EPS) in Q4 2020.
- Full-year 2021 net income $18.5M ($2.77 EPS) vs $29.6M ($4.47 EPS) in 2020; decline from reduced mortgage banking income.
- Net interest margin expanded to 3.36% in Q4 2021 from 2.48% in Q4 2020 and 3.21% in Q3 2021.
- Net loans and leases grew $90.4M during Q4 2021 to $1.2B; nonperforming assets 0.07% of total assets.
- Board declared cash dividend of $0.04 per share payable Feb 1, 2022; book value per share $19.28.

## SEC filing metadata
- accession: 0001070680-22-000003
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2022-02-07T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000003/0001070680-22-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068022000003/cfbk-20220207x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-22-000003
- JSON: https://secwatch.observer/filing/0001070680-22-000003.json
- Plain text: https://secwatch.observer/filing/0001070680-22-000003.txt

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