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CF Bankshares
CF Bankshares (CFBK) investor relations material
CF Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Net income for Q4 2025 was $5.7 million ($0.88 per diluted share), up from $4.4 million in Q4 2024; full-year net income was $17.5 million ($2.69 per diluted share), a 31% increase over 2024.
Pre-provision, pre-tax net revenue (PPNR) for Q4 2025 was $8.0 million, and $29.8 million for the year, up 30% year-over-year.
Return on average equity (ROE) was 12.59% for Q4 2025; return on average assets (ROA) was 1.09%.
Book value per share rose to $27.87 at year-end 2025.
Financial highlights
Net interest income for Q4 2025 was $14.3 million, up 14% year-over-year; full-year net interest income was $55.0 million, up 18%.
Net interest margin (NIM) for Q4 2025 was 2.85%, up 28bps from Q4 2024.
Efficiency ratio improved to 49.2% in Q4 2025 from 53.2% in Q4 2024.
Cost of funds declined 45bps year-over-year for Q4 and 48bps for the full year.
Noninterest income for Q4 2025 was $1.4 million, down 1.6% year-over-year.
Noninterest expense for Q4 2025 was $7.7 million, up 4.2% year-over-year.
Outlook and guidance
Management expects a more stabilized interest rate environment in 2026, with Fed rate reductions providing a net positive bias to earnings.
Anticipates stronger commercial growth rates in 2026 due to robust pipelines and new high-performing bankers.
Commercial loan payoffs are expected to decline, supporting growth objectives.
What is the outlook for nonaccrual loans in 2026?
How will commercial growth offset residential loan declines?
How do municipal deposits support residential mortgages?
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Latest events from CF Bankshares
- Resale registration of 1,260,700 Non-Voting and Voting shares; no proceeds to the company.CFBK
Registration Filing16 Dec 2025 - Up to 1,260,700 shares each of Non-Voting and Voting Common Stock registered for resale; no proceeds to the company.CFBKRegistration Filing16 Dec 2025
- Shareholders will vote on directors, executive pay, auditor ratification, and governance matters.CFBKProxy Filing2 Dec 2025
- Q3 2025 net income fell on a large charge-off, but capital and core earnings remain strong.CFBKQ3 20257 Nov 2025
- Q2 2025 net income soared 197% year-over-year, driven by higher NIM and strong loan growth.CFBKQ2 20258 Aug 2025
- Q3 net income rose to $4.2M as commercial lending and deposits grew, but loan quality weakened.CFBKQ3 202413 Jun 2025
- Earnings fell on higher noncore loan reserves, but core metrics and capital remain strong.CFBKQ2 202413 Jun 2025
- Q1 2025 net income up 44% year-over-year, with strong loan growth and margin expansion.CFBKQ1 20256 Jun 2025
- Q4 net income up, NIM expands, but full-year profit down on higher credit loss reserves.CFBKQ4 20245 Jun 2025
Next CF Bankshares earnings date
Q1 20268 May, 2026
CF Bankshares
Next CF Bankshares earnings date
Q1 20268 May, 2026
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