{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-038599","form_type":"8-K","ticker":"CFBK","cik":"0001070680","company_name":"CF BANKSHARES INC.","filed_at":"2026-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.499537+00:00","generated_at":"2026-05-16T04:16:53.014523+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CF Bankshares Q4 net income $5.7M ($0.88 EPS); full year 2025 net income $17.5M, up 31% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-038599","json":"https://secwatch.observer/filing/0001193125-26-038599.json","markdown":"https://secwatch.observer/filing/0001193125-26-038599.md","text":"https://secwatch.observer/filing/0001193125-26-038599.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/0001193125-26-038599-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-20260205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:16:53.014523+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}