)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
CF Bankshares (CFBK) investor relations material
CF Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Net income for Q3 2025 was $2.3 million ($0.36 per diluted share), down from $4.2 million in Q3 2024 and $5.0 million in Q2 2025, mainly due to a $5.1 million provision for credit losses from a $7.0 million charge-off of two commercial loans, including a non-customer loan.
Assets increased 2.2% to $2.11 billion at September 30, 2025, driven by higher cash and net loans and leases.
Net income for the nine months ended September 30, 2025 was $11.8 million ($1.81 per diluted share), up from $9.0 million in the prior year period.
Pre-provision, pre-tax net revenue (PPNR) for Q3 2025 was $7.8 million, up 33% year-over-year.
Book value per share increased to $26.99 as of September 30, 2025.
Financial highlights
Net interest income for Q3 2025 was $13.8 million, up 20.3% year-over-year, with net interest margin at 2.76%.
Provision for credit losses in Q3 2025 was $5.1 million, up from $558,000 in Q3 2024, due to a $3.7 million charge-off of a non-core loan.
Noninterest income for Q3 2025 was $1.7 million, up 7% year-over-year, driven by gains on sales of residential mortgage loans and SBIC investments.
Noninterest expense for Q3 2025 was $7.7 million, up 6.9% year-over-year, mainly due to higher salaries and professional fees.
Efficiency ratio improved to 49.8% from 55.3% in Q3 2024.
Outlook and guidance
Management continues to monitor capital and liquidity, with sufficient resources to support growth and meet obligations.
Commercial loan production and pipelines remain strong, with over $150 million in new production year-to-date and net growth expected to accelerate as payoffs decline in 2026.
Expanding saleable residential mortgage loan volumes are expected to add to fee income.
Management expects continued improvement in deposit costs and targeted growth in C&I business banking relationships.
No material changes in market risk or risk factors were reported compared to the prior year.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next CF Bankshares earnings date
Q4 20256 Feb, 2026
Next CF Bankshares earnings date
Q4 20256 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage