secwatch.observer — SEC 8-K summary
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Issuer:     CF BANKSHARES INC. (CFBK)
CIK:        0001070680
Form:       8-K
Filed at:   2026-02-05T23:59:59+00:00
Accession:  0001193125-26-038599
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/0001193125-26-038599-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070680/000119312526038599/cfbk-20260205.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-038599

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer