)
Overview
<ul>
<li>Bank holding company’s Q4 net income rose 31% yr/yr</li>
<li>Net interest margin for Q4 increased 28bps compared to Q4 2024</li>
<li>Company’s capital position remains strong with Tier 1 Leverage ratio of 11.40%</li>
</ul>
Outlook
<ul>
<li>CF Bankshares anticipates stronger commercial growth rates in 2026</li>
<li>Company expects stabilized interest rate environment to positively impact earnings</li>
<li>CF Bankshares aims to compete effectively for deposits with its efficient model</li>
</ul>
Result Drivers
<ul>
<li>COMMERCIAL LOAN GROWTH - Co offset high loan payoffs with $369 mln in commercial loan fundings, bolstered by strong pipelines and expanded banking teams</li>
<li>INTEREST EXPENSE REDUCTION - Decrease in interest expense contributed to higher net interest income, driven by a decline in cost of funds</li>
<li>NET INTEREST MARGIN IMPROVEMENT - NIM increased by 28bps in Q4 2025 compared to Q4 2024, aided by lower cost of funds and disciplined pricing</li>
</ul>
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
<ul>
<li>The one available analyst rating on the shares is “buy”</li>
<li>The average consensus recommendation for the banks peer group is “buy”</li>
<li>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</li>
<li>The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 6 three months ago</li>
</ul>
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.)

CF Bankshares Q4 net income rises on margin expansion