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…
Earnings analysis · 10-Q
CFBK earnings analysis
Filed August 7, 2026 · Our reading of the company's report
The latest report
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…
Read full summary
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.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.9
What stood out
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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.
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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.
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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.
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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.
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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.
What to watch
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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.
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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.
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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.
Management's outlook
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.
Earlier filings 4
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 itself. Analysis can contain errors; check the source document for full context.