CF Bankshares Q4 net income rises on margin expansion

CF Bankshares

05/02/2026 14:08

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/Miss
Actual
Consensus Estimate
Q4 Net Income
$5.70 mln
Q4 Net Interest Income
$14.30 mln
Q4 Net Interest Margin
2.85%


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: ID:nPn1Ndhcfa

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(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.)