35.15
+0.46%
Close of 9 Nov 2026, in USD
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About CF Bankshares
From its filings with the US Securities and Exchange Commission
CF Bankshares is based in Columbus, Ohio and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker CFBK. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $17.5m. At that date it held total assets of $2.12bn and shareholders' equity of $184.4m.
The consolidated financial statements include the Holding Company and CFBank. Intercompany transactions and balances are eliminated in consolidation.
Central Federal Capital Trust I (the “Trust”), a wholly-owned subsidiary of the Holding Company, was formed in 2003 to raise additional funding for the Company through a pooled private offering of trust preferred securities. The Holding Company issued $5,155,000 of subordinated debentures to the Trust in exchange for ownership of all of the common stock of the Trust and the proceeds of the preferred securities sold by the Trust. The Holding Company is not considered the primary beneficiary of this trust (variable interest entity) and, therefore, the Trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability.
Currently, the Company does not transact material business other than through CFBank. At December 31, 2025, the Company’s assets totaled $2.1 billion and stockholders’ equity totaled $184.4 million.
CFBank is a nationally chartered boutique commercial bank operating primarily in five (5) major metro markets: Columbus, Cleveland, Cincinnati, and Akron, Ohio, and Indianapolis, Indiana. CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs, by providing comprehensive Commercial, Retail, and Mortgage Lending services presence.
Quoted from its 10-K, filed 12 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 30 Dec 1998
- Employees
- 98
- Website
- cfbankonline.com ↗
- Head office
- C/O CFBANK, COLUMBUS, OH, 43081
- Incorporated in
- DE
- Classification
- National Commercial Banks
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Robert HoewelerNon-Executive Chairman of the Board of the Company and the Bank$139,335
- Mr. Bradley RingwaldPresident of CFBank$729,628
- Mr. Timothy O'DellChief Executive Officer, Director of the Company and CFBank, since 2012$1.6m
- Mr. Kevin BeermanChief Financial Officer, Executive Vice President of the Company and CFBank$496,234
- Ms. Marianne MckinneyChief Operating Officer, Executive Vice President of CFBank
- Mr. C. Timothy MederExecutive Vice President and Chief Commercial Credit Officer of CFBank
- Mr. Thomas AshIndependent Director$101,354
- Mr. Edward CochranIndependent Director$90,384
- Mr. James FrauenbergIndependent Director$84,084
- Mr. Sundeep RanaIndependent Director$84,084
- Mr. David RoyerIndependent Director$93,534
- Ms. Barb PykeInvestor Relations, since 2021
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- CF Bankshares Inc has established a strong market presence with a solid reputation in the banking industry. This enables the company to attract and retain a large customer base, contributing to its financial stability and growth potential.
- CF Bankshares Inc offers a wide range of products and services, including personal and commercial banking, loans, investment options, and wealth management. This diversity allows the company to cater to the varied needs of its customers, creating opportunities for cross-selling and revenue generation.
Weaknesses
- CF Bankshares Inc has a relatively limited geographical footprint, primarily operating in a specific region or market. This could restrict the company's potential for expansion and growth in new markets, increasing its vulnerability to local economic conditions and regulatory changes.
- CF Bankshares Inc heavily relies on traditional banking methods and may face challenges in adapting to a rapidly evolving digital banking landscape. Failure to embrace technological advancements could result in losing customers to competitors who offer more convenient and innovative banking solutions.
Opportunities
- CF Bankshares Inc can explore opportunities to expand its presence in new markets or geographies. Acquisitions, partnerships, or organic growth strategies can help the company tap into untapped customer segments and diversify its revenue streams, thereby enhancing its overall market position.
- CF Bankshares Inc can leverage digital technologies and innovative banking solutions to enhance customer experience, improve operational efficiency, and attract tech-savvy customers. Embracing digital transformation can also open avenues for new revenue streams, such as mobile banking services or online investment platforms.
Threats
- CF Bankshares Inc operates in a highly competitive banking industry, facing significant competition from both traditional banks and emerging fintech startups. This competitive landscape can exert pressure on the company's profitability, customer retention, and market share if not effectively addressed.
- CF Bankshares Inc is subject to various regulatory requirements and compliance standards, which can impact its operations and profitability. Changes in laws and regulations, as well as increased scrutiny from regulatory authorities, can pose challenges and increase compliance costs for the company.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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