---
title: "CF Bankshares Q4 net income rises on margin expansion"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/274987953.md"
datetime: "2026-02-05T14:08:55.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/274987953.md)
  - [en](https://longbridge.com/en/news/274987953.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/274987953.md)
---

# CF Bankshares Q4 net income rises on margin expansion

)

Overview

-   Bank holding company’s Q4 net income rose 31% yr/yr
-   Net interest margin for Q4 increased 28bps compared to Q4 2024
-   Company’s capital position remains strong with Tier 1 Leverage ratio of 11.40%

Outlook

-   CF Bankshares anticipates stronger commercial growth rates in 2026
-   Company expects stabilized interest rate environment to positively impact earnings
-   CF Bankshares aims to compete effectively for deposits with its efficient model

Result Drivers

-   COMMERCIAL LOAN GROWTH - Co offset high loan payoffs with $369 mln in commercial loan fundings, bolstered by strong pipelines and expanded banking teams
-   INTEREST EXPENSE REDUCTION - Decrease in interest expense contributed to higher net interest income, driven by a decline in cost of funds
-   NET INTEREST MARGIN IMPROVEMENT - NIM increased by 28bps in Q4 2025 compared to Q4 2024, aided by lower cost of funds and disciplined pricing

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q4 Net $5.70

Income mln

Q4 Net $14.30

Interest mln

Income

Q4 Net 2.85%

Interest

Margin

Analyst Coverage

-   The one available analyst rating on the shares is “buy”
-   The average consensus recommendation for the banks peer group is “buy”
-   Wall Street’s median 12-month price target for CF Bankshares Inc is $29.00, about 8% below its February 4 closing price of $31.52
-   The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 6 three months ago

Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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