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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.
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Next CF Bankshares earnings date
Q1 20265 May, 2026
CF Bankshares
Next CF Bankshares earnings date
Q1 20265 May, 2026
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Frequently asked questions
CF Bankshares Inc. is the holding company for CFBank, a regional bank providing a range of financial services to individuals, businesses, and communities. The bank offers personal and business banking products, including checking and savings accounts, certificates of deposit, and various loan products such as mortgages, commercial loans, and lines of credit. Additionally, CFBank provides treasury management services and other financial solutions designed to meet the needs of its clients. The company primarily serves customers in Ohio and neighboring states, focusing on community-based banking with a personalized approach. The company is headquartered in Worthington, Ohio, and its shares are listed on the NASDAQ.
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