---
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"
generated_at: "2026-05-16T04:16:53.014523+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1070680/000119312526038599/0001193125-26-038599-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-20260205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-038599
- JSON: https://secwatch.observer/filing/0001193125-26-038599.json
- Plain text: https://secwatch.observer/filing/0001193125-26-038599.txt

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