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CF Bankshares (CFBK) investor relations material

CF Bankshares Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary4 Aug, 2025

Executive summary

  • Net income for Q2 2025 was $5.0 million ($0.77 per diluted share), up 197% year-over-year and 14% sequentially, driven by higher net interest income, lower provision for credit losses, and increased noninterest income, partially offset by higher noninterest expense.

  • For the six months ended June 30, 2025, net income was $9.5 million ($1.45 per diluted share), compared to $4.8 million ($0.74 per share) for the same period in 2024.

  • Pre-provision, pre-tax net revenue (PPNR) was $7.8 million, up 42% year-over-year and 27% sequentially.

  • Book value per share increased to $26.63 as of June 30, 2025.

  • Board declared a $0.08 per share cash dividend on common stock and $8.00 per share on Series D Preferred Stock, paid July 21, 2025.

Financial highlights

  • Total assets reached $2.13 billion at June 30, 2025, up 3.3% from December 31, 2024, mainly due to increases in cash, deposits, and net loans and leases.

  • Net loans and leases grew 1.9% to $1.75 billion, led by commercial and multi-family real estate loans.

  • Deposits increased 3.1% to $1.81 billion, with both interest-bearing and noninterest-bearing accounts contributing.

  • Net interest income for Q2 2025 was $14.0 million, up 23% year-over-year and 8.5% sequentially; net interest margin improved to 2.83%.

  • Noninterest income for Q2 2025 was $1.6 million, up 30% year-over-year and 31% sequentially, mainly from swap fees, mortgage gains, and service charges.

Outlook and guidance

  • Management continues to monitor capital levels and liquidity, with sufficient resources to support growth and meet obligations.

  • The company is focused on scaling commercial banking, improving loan and customer mix, and lowering cost of funds.

  • Strategic objectives include expanding regional teams and emphasizing growth in salable home mortgage loans.

  • Forward-looking statements caution that actual results may differ due to various risks and uncertainties.

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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.

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