CFBK earnings analysis
What we found in CFBK's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
CF Bankshares reported diluted EPS of $0.90, up from $0.77 in both the prior quarter and year-ago quarter, while reported revenue was approximately $31.7 million. Management highlighted commercial-loan pipeline growth as a potential second-half 2026 earnings driver but expects net interest margin to remain challenging. No numerical guidance was provided, and the company reported no material changes to its existing risk factors.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- EPS improved 17% year over year
- Diluted EPS increased to $0.90 from $0.77 in the prior quarter and $0.77 in the year-ago quarter, a $0.13 or approximately 17% sequential and year-over-year increase.
- Revenue remained above $31 million
- Total reported revenue was approximately $31.7 million, consisting of $30.0 million of total interest income and $1.7 million of noninterest income.
- Commercial pipeline supports second half
- Management identified commercial-loan pipeline growth as a potential earnings catalyst, stating that pipelines are expected to be accretive to core earnings in the second half of 2026.
- Repurchase capacity remains available
- The company extended its stock repurchase authorization on July 29, 2026, with 270,356 shares remaining available for purchase as of June 30, 2026.
- Controls remained effective
- Disclosure controls were effective as of June 30, 2026, and the company reported no changes in internal control over financial reporting that materially affected, or were reasonably likely to materially affect, controls during the quarter.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Net interest margin remains pressured
- Management expects net interest margin to remain challenging, creating a headwind to earnings even as commercial-loan pipelines are expected to support second-half 2026 core earnings.
- Planned executive share sales
- The company disclosed an executive Rule 10b5-1 plan to sell up to 60,000 common shares through June 30, 2027; quarterly sales are limited to 15,000 shares plus prior unsold amounts.
- Risk factors unchanged
- The filing states there were no material changes to the risk factors in the December 31, 2025 Form 10-K, so the previously disclosed banking, credit, liquidity and interest-rate risks remain applicable.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.9
What they said about what is next.
No numeric revenue or EPS guidance was provided. Management expects commercial-loan pipelines to support core earnings in the second half of 2026, while net interest margin is expected to remain challenging.
The filing reads about the same as the one before it.
What came before.
- 10-Q · May 11, 2026
- CF Bankshares Inc. reported lower-than-expected Q1 2026 earnings with revenue of $14.8 million and EPS of $0.77, missing consensus estimates. The increase in net income of $5.0 million represents a year-over-year growth…
- 10-K · March 12, 2026
- CF Bankshares (CFBank) presents modest balance-sheet growth and a shift toward real estate lending in 2025: total assets of $2.1 billion and stockholders’ equity of $184.4 million, with gross loans of $1.8 billion (up…
- 10-Q · November 13, 2024
- CF Bankshares reported Q3 revenue of $13,066,000 and diluted EPS of $0.65. Quarter-over-quarter results were essentially flat on revenue (+$98k vs. Q3 2023) with modest EPS improvement and stable deposits, while…
- 10-Q · November 13, 2023
- CF Bankshares reported Q3 (three months ended September 30, 2023) total revenue of $12,968,000 and diluted EPS of $0.62, both beating consensus. Deposits and loans grew meaningfully (deposits to $1,684,993, loans to…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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