CF Bankshares Inc. Reports Strong Financial Growth in 2025

CF Bankshares Inc. (NASDAQ: CFBK), the parent company of CFBank, National Association, has announced robust financial results for the fourth quarter and the entire year of 2025. Company President and CEO Timothy T. O'Dell expressed pride in the remarkable performance, which reflects the bank's operational strategies even in a challenging economic environment.

Financial Highlights

For the fourth quarter of 2025, CF Bankshares Inc. reported a net income of $5.7 million, equating to $0.88 per diluted common share. For the full year, net income reached $17.5 million or $2.69 per diluted share, marking a 31% increase over 2024. The fourth quarter also included a provision expense for loan losses amounting to $1.2 million. The Pre-Provision, Pre-Tax Net Revenue (PPNR) for Q4 stood at $8.0 million, with total PPNR for the year amounting to $29.8 million, reflecting an increase of 30% compared to the previous year.

Return on equity (ROE) for Q4 was reported at 12.59%, and return on assets (ROA) at 1.09%, showcasing the effectiveness of the bank's financial strategies. Additionally, net interest margin (NIM) rose 28 basis points year over year to 2.85%, while the cost of funds decreased by 45 basis points.

Investments and Loans

CFBank has experienced significant growth in its core depositing operations, with core deposits expanding by $47 million in 2025. Commercial loan fundings reached $369 million, balancing the considerable payoffs from successful commercial real estate projects that transitioned to permanent loans upon stabilization. O'Dell indicated optimism for the upcoming year, anticipating a stable interest rate environment that should favor continued earnings growth.

The capital position of CFBank remains strong, with a Tier 1 leverage ratio of 11.40% and a total capital ratio standing at 15.02%. The book value per share rose to $27.87 as of December 31, 2025.

Recent Developments

On January 5, 2026, the Board of Directors declared a cash dividend of $0.09 per share on its common stock and a dividend of $9.00 per share on Series D preferred stock. Shareholders saw this dividend paid on January 26, 2026, marking the bank's commitment to returning value to its investors.

O'Dell noted, “Despite facing significant challenges with elevated loan payoffs during 2025, our focus on generating quality new loans has been fruitful. Strengthening our Commercial Regional Banking Teams across our four primary metro markets is expected to provide even more business opportunities in the future.”

Outlook for 2026

The management's emphasis on efficiency and cost discipline continues as the bank navigates a more competitive landscape. With the expectation of reduced commercial loan payoffs, CFBank is poised for stronger growth rates in the commercial sector as they aim to upscale their operations amid a stabilizing economy.

CF Bankshares Inc. illustrates a strong momentum with robust financial health, foundational strategies, and clear pathways to future growth as it embarks on 2026. Their impressive results for the past year reflect resilience and adaptability, a testament to their dedication to serving customers and stakeholders.

In summary, CF Bankshares Inc.’s financial report highlights significant progress across various metrics, demonstrating its position as a strong player in the regional banking sector. Investors and shareholders can look forward to continued positive outcomes as the company executes its strategic objectives effectively.