CFBK News & Events

Reports Q4 net interest margin 2.85%, up 9bps vs. 2.76% for the prior quarter. Tangible book value per common share was $27.87 vs. $26.99 in the previous quarter. Common equity tier 1 capital to risk weighted assets was 13.85% vs. 13.74% in the previous quarter. CEO Timothy O'Dell commented "Our Q4 Results, with Net Income of $5.7M, underscores our Core Earnings run rate expectations. We enter 2026 with a substantially deeper and stronger Team of Bankers. Additionally, we are making good progress with both lowering our Cost of funds, coupled with expanding NIM. We expect to operate in a more stabilized Interest rate environment during 2026. Fed Rate reductions provide a Net Positive bias to Earnings. Deposits of all types remain highly competitive as Banks seek to fund improving Loan growth. We believe that CFBank is well positioned to compete effectively for all Deposit categories, particularly given our strong Efficiency and Branch Lite Business Model. Based upon our Pipelines and the addition of proven high performing Bankers, plus the anticipated decline in Commercial Loan Payoffs during 2026, we anticipate stronger Commercial Growth rates as we pursue our objective of adding scale to our Commercial Bank. Our Bests are yet Ahead!"

CF Bankshares announced that the Board of Directors of the Company declared a $0.09 per share quarterly cash dividend on its common stock and a corresponding $9.00 per share quarterly cash dividend on its Series D preferred stock. This represents a 13% increase over its previous quarterly dividend. The dividend is payable on January 26, 2026 to shareholders of record as of the close of business on January 15, 2026.

CF Bankshares has approved the extension of its stock repurchase program to August 15, 2026. The company's stock repurchase program was initially approved on January 29, 2025, and authorizes the company to repurchase up to 325,000 shares, or approximately 5% of the company's outstanding common stock, on or before January 31, 2026, which has now been extended to August 15, 2026. An aggregate of 54,644 shares of the Company's common stock have been repurchased to date under the stock repurchase program. The repurchase program may be suspended or discontinued at any time.

CF Bankshares announced its addition as a member of the broad-market Russell 3000 Index, effective after the US market opened on June 30, as part of the 2025 Russell indexes reconstitution.