CF Bankshares Inc. (CFBK) came out with quarterly earnings of $0.88 per share, beating the Zacks Consensus Estimate of $0.76 per share. This compares to earnings of $0.68 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +15.79%. A quarter ago, it was expected that this company would post earnings of $0.84 per share when it actually produced earnings of $0.36, delivering a surprise of -57.14%.Over the last four quarters, the com ...

Exhibit 99.1 Parent of CFBank, NA PRESS RELEASE FOR IMMEDIATE RELEASE: February 5, 2026 Recent Developments • On January 5, 2026, the Company's Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and a corresponding cash dividend of $9.00 per share on its Series D Preferred Stock. The dividend was paid on January 26, 2026 to shareholders of record as of the close of business on January 15, 2026. CEO and Board Chair Commentary Timothy T. O'Dell, President and CEO, commented "Ou ...

Fourth Quarter and Full Year 2025 Highlights Recent Developments COLUMBUS, Ohio, Feb. 5, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and year ended December 31, 2025. On January 5, 2026, the Company's Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and a corresponding cash dividend of $9.00 per share on its Series D Preferred Stock. Th ...

COLUMBUS, Ohio, Jan. 21, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, NA, is pleased to announce the addition of John Wilgus as Senior Vice President, further strengthening the Bank's commercial and commercial real estate banking capabilities. John brings more than 32 years of experience in commercial banking, with a strong focus on commercial real estate lending and relationship management. He has built a reputation for working closely with closely held bus ...

Core Viewpoint - CF Bankshares Inc. announced a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock, marking a 13% increase from the previous dividend [1][2]. Group 1: Dividend Announcement - The Board of Directors declared a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock [1]. - The dividend represents a 13% increase over the previous quarterly dividend [1]. - The dividend is payable on January 26, 2026, to shareholders of record as of January 15, 2026 [1]. Group 2: Company Overview - CF Bankshares Inc. is the parent company of CFBank, a nationally chartered boutique commercial bank [2]. - CFBank operates primarily in five major metro markets: Columbus, Cleveland, Cincinnati, Akron in Ohio, and Indianapolis in Indiana [2]. - Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate (CAGR) of 20% [2]. Group 3: Business Focus - CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs through comprehensive commercial, retail, and mortgage lending services [3]. - The bank provides a range of services including commercial loans, equipment leases, real estate loans, and treasury management [3]. - CFBank differentiates itself by offering individualized service and direct access to decision-makers, matching the sophistication of larger banks without the associated bureaucracy [3].

Financial Position - Total assets increased by $45.5 million, or 2.2%, to $2.11 billion as of September 30, 2025, compared to $2.07 billion at December 31, 2024[187] - Cash and cash equivalents rose by $37.1 million, or 15.8%, totaling $272.4 million at September 30, 2025, primarily due to a $22.8 million increase in deposits[188] - Total deposits reached $1.78 billion as of September 30, 2025, reflecting a $22.8 million, or 1.3%, increase from $1.76 billion at December 31, 2024[207] - Stockholders' equity increased to $179.3 million at September 30, 2025, a rise of $10.9 million, or 6.4%, from $168.4 million at December 31, 2024[215] - Total liquidity available increased to $671.1 million at September 30, 2025, compared to $616.6 million at December 31, 2024[258] Loan Performance - Net loans and leases increased by $6.3 million, or 0.4%, to $1.73 billion at September 30, 2025, driven by a $54.3 million increase in commercial real estate loans[190] - Nonperforming loans decreased by $5.0 million to $10.0 million at September 30, 2025, resulting in a ratio of 0.57% to total loans[196] - Total past due loans decreased by $6.9 million to $5.6 million at September 30, 2025, representing 0.3% of the loan portfolio[201] - The level of total criticized and classified loans decreased by $7.2 million, or 21.8%, during the nine months ended September 30, 2025[199] Income and Expenses - As of September 30, 2025, net income totaled $2.3 million, a decrease of 45.2% from $4.2 million for the same period in 2024[218] - Net interest income for the quarter ended September 30, 2025 was $13.8 million, an increase of $2.3 million, or 20.3%, compared to $11.5 million for the same quarter in 2024[219] - Noninterest income for the quarter ended September 30, 2025 was $1.7 million, an increase of $112,000, or 7.0%, from $1.6 million in the same quarter of 2024[225] - Noninterest expense increased to $23.4 million for the nine months ended September 30, 2025, up $1.9 million, or 9.0%, from $21.5 million in 2024, primarily due to increased salaries and employee benefits[238] Credit Losses - The allowance for credit losses on loans decreased by $633,000, or 3.6%, to $16.8 million at September 30, 2025, with a ratio of 0.97% to total loans[191] - The provision for credit losses expense increased to $5.1 million for the quarter ended September 30, 2025, up from $558,000 in the same quarter of 2024[223] - Provision for credit losses increased to $7.1 million for the nine months ended September 30, 2025, reflecting an increase of $1.7 million compared to $5.4 million in 2024[236] Interest Income and Expense - Interest income increased to $89.9 million for the nine months ended September 30, 2025, up $1.5 million, or 1.7%, from $88.4 million in 2024, primarily due to a $52.3 million, or 3.1%, increase in average loans and leases outstanding[234] - Interest expense decreased to $49.2 million for the nine months ended September 30, 2025, down $5.1 million, or 9.3%, from $54.3 million in 2024, attributed to a 54bps decrease in the average rate of interest-bearing deposits[235] - Interest expense decreased to $16.6 million for the quarter ended September 30, 2025, down $2.0 million, or 10.6%, compared to $18.5 million for the same quarter in 2024[221] Taxation - Income tax expense was $2.9 million for the nine months ended September 30, 2025, an increase of $878,000, or 43.7%, compared to $2.0 million in 2024[239] - The effective tax rate for the nine months ended September 30, 2025, was approximately 19.7%, compared to approximately 18.3% for the same period in 2024[239] Operational Efficiency - The net interest margin improved to 2.76% for the quarter ended September 30, 2025, an increase of 35 basis points from 2.41% in the third quarter of 2024[219] - The net interest margin for the nine months ended September 30, 2025, was 2.74%, an increase of 36bps from 2.38% in 2024[247] - Average interest-earning assets increased to $1.976 billion for the nine months ended September 30, 2025, with total interest-earning assets generating $89.9 million in interest income[247] Liquidity and Borrowing - Additional borrowing capacity at the FHLB decreased by $4.7 million, or 2.5%, to $181.6 million due to a decline in pledged collateral[259] - Additional borrowing capacity at the FRB increased by $18.3 million, or 14.4%, to $145.7 million, providing access to short-term funds[260] - The Holding Company had an outstanding balance of $43.0 million on its credit facility as of September 30, 2025[270] - Annual debt service on subordinated debentures is approximately $370,000, with an interest rate of 7.11% as of September 30, 2025[268] - The annual debt service on the Company's $10 million fixed-to-floating rate subordinated notes is approximately $840,000, with an interest rate of 8.40% as of September 30, 2025[269] Internal Controls and Compliance - The company maintains effective disclosure controls and procedures as of September 30, 2025, ensuring timely reporting and decision-making[277] - There were no changes in internal controls over financial reporting in Q3 2025 that materially affected the company's internal control[278]

Core Insights - CF Bankshares Inc. reported quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.84 per share, and down from $0.65 per share a year ago, representing an earnings surprise of -57.14% [1] - The company posted revenues of $15.51 million for the quarter ended September 2025, missing the Zacks Consensus Estimate by 2.34%, compared to $13.07 million in the same quarter last year [2] - CF Bankshares has underperformed the market, with shares down about 9.2% year-to-date, while the S&P 500 has gained 16.3% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.87 on revenues of $16.19 million, and for the current fiscal year, it is $3.16 on revenues of $61.87 million [7] - The estimate revisions trend for CF Bankshares was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Zacks Industry Rank for Banks - Northeast is currently in the top 18% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Financial Performance - Net income for Q3 2025 was $2.3 million ($0.36 per diluted common share), down from $5.0 million in Q2 2025 and $4.2 million in Q3 2024[12] - Core earnings run rate approximated $5.5 million for Q3, equating to a return on equity (ROE) over 12% and return on assets (ROA) above 1.0%[6] - Net income for Q3 2025 reached $2,340,000, compared to $4,205,000 in Q3 2024, reflecting a decrease of 44.4% year-over-year[42] - Basic earnings per share for Q3 2025 were $0.36, down from $0.68 in Q3 2024, marking a decline of 47.1%[42] Revenue and Income - Pre-provision, pre-tax net revenue (PPNR) for Q3 2025 was $7.8 million, a 33% increase compared to Q3 2024[7] - Net interest income totaled $13.8 million for Q3 2025, a 20.3% increase from $11.5 million in Q3 2024[14] - Noninterest income for Q3 2025 was $1.7 million, an 8.7% increase from the prior quarter[17] - Noninterest income for Q3 2025 was $1.72 million, a 7% increase from $1.61 million in Q3 2024, with service charges on deposit accounts rising by 6% to $696,000[39] - The efficiency ratio improved to 49.82% in Q3 2025 from 55.94% in Q3 2024, indicating better cost management[42] Loan and Asset Quality - Loan delinquencies were 0.32% of total loans, with nonperforming assets (NPAs) at 0.57% as of September 30, 2025[5] - Nonaccrual loans decreased to $10.0 million, or 0.57% of total loans, down from $16.6 million at June 30, 2025[27] - The allowance for credit losses on loans was $16.8 million, representing 0.97% of total loans as of September 30, 2025[28] - The provision for credit losses on loans was $4.82 million for Q3 2025, a significant increase of 513% from $786,000 in Q3 2024[39] - Nonperforming loans to total loans ratio decreased to 0.57% in Q3 2025 from 0.94% in Q3 2024, reflecting improved asset quality[42] Deposits and Capital - Total deposits as of September 30, 2025, were $1.78 billion, a decrease of $31.2 million (1.7%) from $1.81 billion at June 30, 2025, but an increase of $22.8 million (1.3%) from $1.76 billion at December 31, 2024[30] - Stockholders' equity increased to $179.3 million at September 30, 2025, up $2.3 million (1.3%) from $177.0 million at June 30, 2025, and up $10.9 million (6.4%) from $168.4 million at December 31, 2024[33] - Total risk-based capital ratio stood at 14.88% in Q3 2025, compared to 13.76% in Q3 2024, indicating a stronger capital position[42] Loans and Leases - Total loans and leases decreased by $26.5 million, or 1.5%, from the prior quarter, totaling $1.7 billion as of September 30, 2025[23] - New commercial loan production totaled $155 million year to date, with expectations for net commercial loan growth to accelerate in 2026[9] - Net loans and leases stood at $1,728,284,000, down 1.49% from $1,754,808,000 in the previous quarter[40] Interest and Yield - Interest-earning assets totaled $1,997,220,000, generating interest income of $30,369,000, resulting in a yield of 6.08%[41] - The net interest margin for the quarter was 2.76%, compared to 2.83% in the previous quarter[41] - The company reported a net interest income of $13,790,000, with an interest rate spread of 1.96%[41] Other Financial Metrics - Average common shares outstanding for basic earnings were 6,292,698 for Q3 2025, compared to 6,253,716 for Q3 2024[39] - The company has achieved a compound annual growth rate (CAGR) in excess of 20% since its recapitalization in 2012[35] - FHLB advances and other debt totaled $101.0 million at September 30, 2025, slightly up from $100.9 million at June 30, 2025, and significantly up from $92.7 million at December 31, 2024[32] - Approximately 29.7% of deposit balances exceeded the FDIC insurance limit of $250,000 as of September 30, 2025, compared to 29.1% at June 30, 2025[31]

Core Insights - CF Bankshares Inc. reported a net income of $2.3 million for Q3 2025, a decrease from $5.0 million in Q2 2025 and $4.2 million in Q3 2024, primarily due to a $7 million charge-off of a non-customer loan [4][7][11] - The company declared a cash dividend of $0.08 per share on common stock and $8.00 per share on Series D Preferred Stock, paid on October 21, 2025 [3] Financial Performance - Net income for the nine months ended September 30, 2025, totaled $11.8 million, up from $9.0 million for the same period in 2024 [8] - Pre-provision, pre-tax net revenue (PPNR) for Q3 2025 was $7.8 million, a 33% increase from Q3 2024 [11] - Net interest income for Q3 2025 was $13.8 million, a decrease of 1.5% from the prior quarter but an increase of 20.3% compared to Q3 2024 [9][12] Credit Quality - Loan delinquencies were 0.32% of total loans, with nonperforming assets (NPAs) at 0.57% as of September 30, 2025 [5][19] - Nonaccrual loans decreased by 40% from June 30, 2025, totaling $10.0 million [19] - The provision for credit losses was $5.1 million for Q3 2025, significantly impacting earnings [11][20] Loan and Deposit Trends - Total loans and leases decreased by 1.5% from the prior quarter to $1.7 billion, with notable decreases in commercial and industrial loans [17] - Deposits totaled $1.78 billion, a decrease of 1.7% from June 30, 2025, but an increase of 1.3% from December 31, 2024 [21] - New commercial loan production reached $155 million year-to-date, helping to offset significant loan payoffs [11][6] Capital and Efficiency - The company maintained strong capital ratios with a Tier 1 Leverage Ratio of 11.19% and a Total Capital Ratio of 14.88% [5][24] - The efficiency ratio improved to 49.8% compared to 55.3% for Q3 2024 [11] Noninterest Income and Expenses - Noninterest income for Q3 2025 was $1.7 million, an increase of 8.7% from the prior quarter [13] - Noninterest expenses totaled $7.7 million, a slight decrease from the previous quarter but an increase of 6.9% compared to Q3 2024 [15]

Core Insights - CF Bankshares Inc. (CFBK) operates in a competitive banking landscape with peers such as Citizens Community Bancorp, Colony Bankcorp, Community West Bancshares, Citizens Holding Company, and C&F Financial Corporation [1] - CFBK's Return on Invested Capital (ROIC) is -1.19%, significantly below its Weighted Average Cost of Capital (WACC) of 24.98%, indicating inefficiencies in capital utilization [2][5] - The ROIC to WACC ratio for CFBK is -0.048, further emphasizing the company's struggle to generate returns relative to its capital costs [2] - Citizens Community Bancorp (CZWI) has a ROIC of 0.80% and a WACC of 18.82%, resulting in a ROIC to WACC ratio of 0.042, indicating low efficiency in capital utilization [3] - Colony Bankcorp (CBAN) shows a negative ROIC of -0.63% and a WACC of 12.69%, with a ROIC to WACC ratio of -0.050, reflecting similar inefficiencies as CFBK [3] - Community West Bancshares (CWBC) has a ROIC of 4.54% and a WACC of 11.57%, achieving a ROIC to WACC ratio of 0.392, indicating better capital efficiency [4] - C&F Financial Corporation (CFFI) stands out with a ROIC of 6.28% and a WACC of 13.55%, resulting in the highest ROIC to WACC ratio of 0.463 among peers, demonstrating superior capital efficiency [4][5]