CF Bankshares Q4 net income $5.7M ($0.88 EPS); full year 2025 net income $17.5M, up 31% YoY

CF BANKSHARES INC.

2025-FY EPS reported $2.69

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.

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