Recent 8-K filings for CFBK

• July 28, 2026, 9:03 AM ET earnings materiality 0.70 positive item 2.02item 9.01

  CF Bankshares Q2 net income $5.9M ($0.90 EPS), up 18% QoQ; NIM expands 24bps to 2.93%

  Net income $5.9M ($0.90 diluted EPS) vs $5.0M ($0.77) in Q1 2026 and Q2 2025; PPNR $8.2M, up 26% QoQ.

• May 28, 2026, 9:26 AM ET other material materiality 0.15 neutral item 5.07 ◈ Shareholder Votes ×3

  CF Bankshares elects Hoeweler and Ringwald as directors; say-on-pay, auditor ratified

  Hoeweler elected with 2,856,312 for (76.3% of votes cast excluding broker non-votes); Ringwald with 3,706,567 for (99.0%).

• May 27, 2026, 8:59 AM ET other materiality 0.00 neutral item 7.01item 9.01

  CF Bankshares holds annual meeting; slides contain no material updates

  Meeting held May 27, 2026; slide deck furnished but no financial data included.

• May 5, 2026, 7:59 PM ET earnings materiality 0.55 neutral item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q1 2026 net income $5.0M ($0.77 EPS), up 13% YoY; nonaccrual loans rise $5M

  Net income $5.0M ($0.77 diluted EPS) vs $4.4M ($0.68) in Q1 2025, a 13% increase.

• April 24, 2026, 7:59 PM ET other material materiality 0.55 positive item 7.01item 9.01

  CF Bankshares shareholder letter: 1-yr total return +28% vs NASDAQ Bank Index +12%

  Stock outperformed NASDAQ Bank Index by 16pp through April 1, 2026: +28% vs +12%.

• March 26, 2026, 7:59 PM ET leadership materiality 0.30 neutral item 5.02

  CF Bankshares appoints Bradley Ringwald to board effective March 25, 2026

  Ringwald appointed to fill vacancy from Sundeep Rana's resignation; term expires at 2026 annual meeting.

• February 5, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  Q4 pre-provision pre-tax net revenue $8.0M; full year PPNR $29.8M, up 30% YoY.

• December 18, 2025, 6:59 PM ET other materiality 0.50 neutral item 8.01item 9.01

  CF Bankshares extends stock repurchase program to August 15, 2026

  Board approved extension of existing buyback authorization through August 15, 2026.

• December 17, 2025, 6:59 PM ET leadership materiality 0.35 neutral item 5.02

  Board member Sundeep Rana resigns as Castle Creek stake falls below 4.9%

  Sundeep Rana resigned from CF Bankshares board effective December 15, 2025.

• December 1, 2025, 6:59 PM ET other materiality 0.25 neutral item 8.01

  CEO Timothy O'Dell terminates 10b5-1 trading plan for up to 40,000 shares; no sales occurred

  O'Dell terminated his Rule 10b5-1 trading plan on December 1, 2025.

• November 3, 2025, 6:59 PM ET earnings materiality 0.65 neutral item 2.02item 9.01

  CF Bankshares Q3 net income $2.3M ($0.36/dil) vs $4.2M a year ago; $7M non-customer loan charged off

  Net income of $2.3M ($0.36 diluted EPS) down from $4.2M ($0.65) in Q3 2024, with $5.1M provision expense.

• October 6, 2025, 7:59 PM ET other material materiality 0.12 neutral item 8.01

  CF Bankshares voting shares rise to 6.37M after conversion of 90,300 non-voting shares

  As of Oct 3, 2025, voting common stock outstanding increased to 6,367,075 from 6,276,775 on Sep 26, 2025.

• September 29, 2025, 7:59 PM ET other material materiality 0.20 neutral item 8.01

  CF Bankshares reports conversion of 240,000 Non-Voting shares into Voting Common Stock

  As of Sep 26, 2025, Voting Common Stock outstanding increased to 6,276,775 from 6,036,775.

• September 16, 2025, 7:59 PM ET other materiality 0.15 neutral item 8.01

  CF Bankshares updates share count; Voting shares rise to 6,036,775 from 5,772,207

  As of Sep 15, 2025: 6,036,775 Voting shares outstanding vs 5,772,207 on Aug 4, 2025.

• August 4, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  CFBK Q2 net income $5.0M ($0.77 EPS) up 197% YoY; NIM 2.83%, efficiency 49.8%

  Net income $5.0M ($0.77 diluted EPS) vs $1.7M ($0.26) in Q2 2024, up 197%.

• June 4, 2025, 7:59 PM ET other materiality 0.05 neutral item 7.01item 9.01

  CF Bankshares annual meeting slides contain no material financial updates

  Slides provided for June 4, 2025 annual meeting include only a title page and office locations; no financial results or strategic updates.

• June 4, 2025, 7:59 PM ET other materiality 0.15 neutral item 5.07

  CF Bankshares annual meeting elects three directors, say-on-pay and auditor approved

  Thomas P. Ash, James H. Frauenberg, David L. Royer elected directors for three-year terms expiring 2028.

• May 6, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  CF Bankshares Q1 net income $4.4M ($0.68 EPS), up 44% YoY; NIM expands 28bps to 2.64%

  Net income $4.4M ($0.68 diluted EPS) up 44% from $3.1M ($0.47) in Q1 2024; PPNR $6.2M.

• May 5, 2025, 7:59 PM ET other material materiality 0.40 positive item 7.01item 9.01

  CF Bankshares provides 2025 outlook and authorizes stock buyback of up to 5% of shares

  Board authorized buyback of up to 325,000 shares (~5% of outstanding) through Jan 31, 2026.

• March 31, 2025, 7:59 PM ET other material materiality 0.50 neutral item 4.01item 9.01 ◈ Auditor Changes ×2

  CF Bankshares appoints Plante & Moran as new auditor, dismisses Forvis Mazars

  Audit Committee approved Plante & Moran as independent auditor for FY 2025, effective March 26, 2025.

• February 12, 2025, 6:59 PM ET earnings materiality 0.80 neutral item 2.02item 9.01

  CF Bankshares Inc. Reports Q4 2024 Net Income of $4.4 Million, Full Year $13.4 Million

  Net income for Q4 2024 was $4.4 million ($0.68 per diluted share), compared to $4.2 million in Q3 2024 and $4.2 million in Q4 2023.

• February 4, 2025, 6:59 PM ET other material materiality 0.60 positive item 8.01item 9.01

  CF Bankshares authorizes repurchase of up to 325,000 shares (~5% of outstanding) by Jan 31, 2026

  Board authorized new stock buyback program for up to 325,000 shares (~5% of outstanding) on Jan 29, 2025; announced Feb 4, 2025.

• October 30, 2024, 7:59 PM ET earnings materiality 0.75 neutral item 2.02item 9.01

  CF Bankshares Q3 net income $4.2M ($0.65 EPS); NIM expands; nonaccrual loans rise

  Net income $4.2M ($0.65 diluted EPS) vs $1.7M in Q2 and $4.0M in Q3 2023; PPNR $5.8M.

• August 6, 2024, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  CF Bankshares Q2 net income drops to $1.7M; $3.1M additional reserves on loan participations

  Net income of $1.7M ($0.26 diluted EPS) vs $4.2M ($0.66) year ago; adjusted EPS $0.65 excluding $3.1M specific reserves.

• June 12, 2024, 7:59 PM ET other material materiality 0.50 neutral item 5.02item 9.01

  CF Bankshares amends CEO O'Dell and President Ringwald change-of-control severance terms

  CEO O'Dell change-of-control payout revised to 2x (base salary + avg of last 2 years' cash bonuses and equity at grant FMV).

• May 31, 2024, 7:59 PM ET other material materiality 0.30 neutral item 3.02item 5.07item 9.01

  CF Bankshares issues Series D preferred for common stock; shareholders elect directors, approve equity plan amendment

  Issued 160 shares of Series D non-voting convertible perpetual preferred stock in exchange for 16,000 voting common shares.

• May 7, 2024, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q1 net income $3.1M ($0.47 EPS), down from $4.2M in Q4 and $4.4M a year ago

  Net income $3.1M ($0.47 diluted EPS) vs $4.2M ($0.65) Q4 2023 and $4.4M ($0.68) Q1 2023.

• April 15, 2024, 7:59 PM ET regulatory materiality 0.65 negative item 8.01

  CF Bankshares discloses OCC 'Needs to Improve' CRA rating; details remediation efforts

  CFBank received 'Needs to Improve' CRA rating from OCC for 2020-2022, down from prior 'Satisfactory' in 2020.

• February 7, 2024, 6:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01

  CF Bankshares Q4 net income $4.2M ($0.65 EPS); full-year $16.9M ($2.63 EPS); assets top $2B

  Q4 2023 net income $4.2M ($0.65 diluted EPS) vs $4.0M ($0.62) prior quarter and $4.7M ($0.72) year ago.

• February 6, 2024, 6:59 PM ET other material materiality 0.30 neutral item 3.02item 5.03item 9.01 ◈ Governance Changes

  CF Bankshares exchanges 200,000 common shares for 2,000 Series D preferred shares

  Issued 2,000 Series D non-voting convertible perpetual preferred stock to an existing stockholder in exchange for 200,000 voting common shares.

• November 8, 2023, 6:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q3 net income $4.0M ($0.62 EPS); PPNR rises to $6.2M

  Net income $4.0M ($0.62 diluted EPS) vs $4.2M ($0.66) prior quarter; nine-month net $12.7M ($1.97).

• August 3, 2023, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q2 net income $4.2M ($0.66 EPS); NIM down 41 bps to 2.52%

  Net income $4.2M ($0.66 diluted EPS) for Q2 2023; YTD net income $8.7M ($1.35 EPS).

• July 5, 2023, 7:59 PM ET other material materiality 0.50 positive item 8.01item 9.01

  CF Bankshares authorizes stock repurchase of up to 250,000 shares through June 30, 2024

  Board authorized new repurchase program for up to 250,000 shares of common stock.

• June 8, 2023, 7:59 PM ET other materiality 0.10 neutral item 5.07 ◈ Shareholder Votes ×3

  CF Bankshares annual meeting elects two directors, approves say-on-pay and auditor

  Robert E. Hoeweler re-elected with 2,150,429 for, 995,661 withheld; Sundeep Rana with 3,087,737 for, 58,353 withheld.

• June 7, 2023, 7:59 PM ET other material materiality 0.10 neutral item 7.01item 9.01

  CF Bankshares provides slides at annual meeting; no specific financial figures disclosed

  Slides furnished as Exhibit 99 in conjunction with June 7, 2023 annual meeting.

• May 10, 2023, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q1 net income $4.4M ($0.68/share); dividend increased 20% to $0.06

  Net income $4.4M, down from $4.7M in Q4 2022 but flat vs Q1 2022; diluted EPS $0.68.

• February 7, 2023, 6:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01 ◈ Earnings Releases ×2

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

  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).

• January 27, 2023, 6:59 PM ET other material materiality 0.50 neutral item 5.02item 9.01

  CF Bankshares enters employment agreements with President Ringwald and CFO Beerman

  President Ringwald receives base salary of $325,000; CFO Beerman receives $215,000.

• January 5, 2023, 6:59 PM ET leadership materiality 0.50 neutral item 5.02

  CF Bankshares enters deferred cash incentive agreement with CEO Tim O'Dell; 2022 target award $95,000

  DCI Agreement defers up to 20% of CEO's base salary as annual incentive; 2022 target $95,000.

• November 7, 2022, 6:59 PM ET earnings materiality 0.60 positive item 2.02item 9.01 ◈ Earnings Releases

  CF Bankshares Q3 core EPS $0.80; NIM up 32 bps to 3.36%, loan growth 27.8% annualized

  Net income $4.2M ($0.65 GAAP EPS); core earnings $5.2M ($0.80 EPS) after one-time conversion and impairment costs.

• August 29, 2022, 7:59 PM ET other material materiality 0.50 positive item 8.01

  CF Bankshares repurchases 83,333 shares at $21.00 per share in private deal

  Purchased 83,333 shares of common stock at $21.00 per share on August 25, 2022.

• August 3, 2022, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  CF Bankshares Q2 EPS $0.72, loans up 7.6%, dividend raised 25%

  Net income $4.7M ($0.72 diluted EPS) for Q2 2022, up from $0.69 in prior quarter and $0.52 in Q2 2021.

• June 3, 2022, 7:59 PM ET other materiality 0.15 neutral item 5.07

  CF Bankshares stockholders elect three directors and approve say-on-pay and auditor ratification

  Directors Thomas P. Ash, James Frauenberg II, and David L. Royer re-elected to three-year terms expiring 2025.

• June 1, 2022, 7:59 PM ET other material materiality 0.10 neutral item 7.01item 9.01

  CF Bankshares furnishes annual meeting slide presentation with no material new disclosures

  Annual stockholder meeting held June 1, 2022; slides furnished as Exhibit 99.

• May 5, 2022, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01

  CF Bankshares Q1 2022 net income $4.5M ($0.69 EPS); loans up 5.5%

  Net income of $4.5M, EPS $0.69; ROA 1.24%, ROE 14.32%.

• April 25, 2022, 7:59 PM ET other materiality 0.50 positive item 7.01item 9.01

  CF Bankshares shareholder letter highlights ~25% CAGR, #2 growth ranking

  10-year CAGR of nearly 25% (2012-2021); ranked #2 nationally in growth strategy and #4 in overall performance by Bank Director Magazine.

• February 7, 2022, 6:59 PM ET earnings materiality 0.50 neutral item 2.02item 9.01

  CF Bankshares Q4 net income $4.5M, EPS $0.68; full-year net income $18.5M, EPS $2.77

  Net income of $4.5M ($0.68 diluted EPS) for Q4 2021 vs $7.3M ($1.11 EPS) in Q4 2020.

• October 27, 2021, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  CF Bankshares Q3 net income $4.1M ($0.61 EPS); NIM expands to 3.21%

  Net income of $4.1M for Q3 2021 up from $3.5M in Q2 2021; EPS $0.61 vs $0.52 prior quarter.

• October 5, 2021, 7:59 PM ET dividend materiality 0.50 positive item 8.01item 9.01

  CF Bankshares raises quarterly dividend 33% to $0.04/share, expands buyback to 350K shares

  Dividend increased 33% to $0.04 per share; payable Nov 2, 2021 to holders of record Oct 22, 2021.

• August 4, 2021, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01

  CF Bankshares Q2 net income $3.5M, EPS $0.52; winding down DTC mortgage business

  Net income $3.5M ($0.52 diluted EPS) for Q2 2021, down from $10.1M ($1.53) YoY; YTD net income $9.9M ($1.48).

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.50 · Most common event earnings

17 positive 3 negative 30 neutral

source · CFBK on sec.gov