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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CF Bankshares
CF Bankshares (CFBK) investor relations material
CF Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 2026 net income was $6.0 million, or $0.91 per diluted share, versus $2.3 million and $0.36 a year earlier; PPNR was $7.9 million.
Commercial lending expanded and NIM improved YoY; management expects growth to accelerate as new teams mature and available capital is deployed.
Financial highlights
Q3 net interest income was $14.9 million, up 0.7% QoQ and 8.4% YoY; net income increased 158% YoY.
9M net income was $17.0 million, up 44% YoY; diluted EPS was $2.59 versus $1.81.
Q3 PPNR was $7.944 million versus $8.207 million QoQ and $7.782 million YoY; 9M PPNR was $22.647 million versus $21.770 million.
Q3 noninterest expense was $8.8 million, up 5.1% QoQ and 13.4% YoY; 9M expense rose 8% YoY to $25.4 million.
Q3 provision expense was $551,000 versus $944,000 QoQ and $5.1 million YoY; 9M provision was $2.1 million versus $7.1 million.
Outlook and guidance
Management expects growth to accelerate as more available capital is deployed into loan relationships, creating earnings growth opportunity.
Commercial loan and deposit pipelines remained strong entering Q4; management expects new producers to expand business generation and team capabilities.
Investments in commercial, private banking and mortgage teams are intended to broaden quality growth and full-service C&I relationships.
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Latest events from CF Bankshares
- Q2 2026 net income up 18% sequentially, driven by commercial loan growth and margin gains.CFBK
Q2 2026 - Directors re-elected, executive pay and auditor ratified, with strategic updates shared online.CFBKAGM 2026
- Q1 2026 net income rose 13% to $5.0M, with strong loan growth and solid capital ratios.CFBKQ1 2026
- Annual meeting to elect directors, approve executive pay, and ratify auditor, with robust governance.CFBKProxy filing
- Q4 2025 net income surged 31% year-over-year, with improved margins and strong capital ratios.CFBKQ4 2025
- Resale registration of 1,260,700 Non-Voting and Voting shares; no proceeds to the company.CFBKRegistration Filing
- Up to 1,260,700 shares each of Non-Voting and Voting Common Stock registered for resale; no proceeds to the company.CFBKRegistration Filing
- Shareholders will vote on directors, executive pay, auditor ratification, and governance matters.CFBKProxy Filing
- Q3 2025 net income fell on a large charge-off, but capital and core earnings remain strong.CFBKQ3 2025
Next CF Bankshares earnings date
Q4 20265 Feb, 2027
CF Bankshares
Next CF Bankshares earnings date
Q4 20265 Feb, 2027
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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.