---
schema_version: "secwatch.filing_event.v1"
accession: "0001070680-23-000005"
form_type: "8-K"
ticker: "CFBK"
cik: "0001070680"
company_name: "CF BANKSHARES INC."
filed_at: "2023-02-07T23:59:59+00:00"
generated_at: "2026-06-19T22:25:00.976371+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CF Bankshares Q4 net income $4.7M ($0.72/share); loans up $98M, NIM 3.08%

## Summary
- Net income $4.7M ($0.72 diluted EPS) for Q4 2022, up 10% from Q3 2022; full-year net income $18.2M ($2.78 EPS).
- Pre-provision net revenue (PPNR) $6.5M for Q4, up 20% QoQ; full-year PPNR $23.4M.
- Net loans grew $98.4M (6.7%) sequentially to $1.6B; nonperforming loans remain low at 0.05%.
- Net interest margin (NIM) 3.08% for Q4, down 28bps from prior quarter and year-ago.
- Declared $0.05 per share cash dividend payable Jan 31, 2023; relocating headquarters to New Albany, Ohio.

## SEC filing metadata
- accession: 0001070680-23-000005
- form_type: 8-K
- ticker: CFBK
- cik: 0001070680
- company_name: CF BANKSHARES INC.
- filed_at: 2023-02-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000005/0001070680-23-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000005/cfbk-20230207x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001070680-23-000005
- JSON: https://secwatch.observer/filing/0001070680-23-000005.json
- Plain text: https://secwatch.observer/filing/0001070680-23-000005.txt

## Key facts
- Earnings Releases
  CF BANKSHARES INC. reported year ended December 31, 2022 results: net income $18.2 million, EPS $2.78 per diluted common share.
  - Period: year ended December 31, 2022
  - Net income: $18.2 million
  - EPS: $2.78 per diluted common share
  - Result: reported results
  source text: Net income for the year ended December 31 , 2022 totaled $ 18.2 million (or $ 2. 78 per diluted common share)
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000005/0001070680-23-000005-index.htm
- Earnings Releases
  CF BANKSHARES INC. reported three months ended December 31, 2022 results: net income $4.7 million, EPS $0.72 per diluted common share.
  - Period: three months ended December 31, 2022
  - Net income: $4.7 million
  - EPS: $0.72 per diluted common share
  - Result: reported results
  source text: Net income for the three months ended Dec ember 3 1 , 2022 totaled $ 4. 7 million (or $0. 72 per diluted common share)
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070680/000107068023000005/0001070680-23-000005-index.htm

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