The sequential improvement in NIM and efficiency ratio signals operational leverage, but rising nonaccrual loans warrant monitoring. With in-line results and no hard guidance, the stock may trade modestly higher on the improved profitability trajectory. Watch for continued loan growth and credit quality trends in Q3.
Price Chart
Executive Summary
CF Bankshares reported Q2 2026 net income of $5.9M ($0.90/diluted share), an 18% sequential increase from Q1 2026, driven by net interest margin expansion of 24bps to 2.93% and an improved efficiency ratio of 50.4%. Results were roughly in line with consensus estimates (EPS $0.90 vs $0.89 est; revenue $16.5M vs $16.3M est). Asset quality showed slight deterioration with nonaccrual loans rising to $20.8M (1.15% of loans).
Key Financial Metrics
Key Facts
- Net income $5.9M ($0.90/diluted share) vs $5.0M ($0.77) in Q1 2026, up 18% QoQ
- Net interest margin expanded 24bps to 2.93% from 2.69% in Q1 2026
- Efficiency ratio improved to 50.4% from 56.1% in Q1 2026
- Commercial loan fundings of $135M drove net commercial loan growth of $52M
- Nonaccrual loans increased to $20.8M (1.15% of total loans) from $20.3M (1.14%)
- Book value per share rose to $29.04 from $28.20 at March 31, 2026
- Provision for credit losses was $944,000 vs $604,000 in Q1 2026
Financial Impact
Net income increased 18% sequentially to $5.9M; NIM expanded 24bps; efficiency ratio improved 570bps
Risk Factors
- Nonaccrual loans increased to $20.8M, up $5.5M from year-end 2025
- Competitive loan pricing pressure may compress margins
- Provision expense rose to $944,000 from $604,000 in Q1 2026
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-318995 |
| Document: cfbk-20260728.htm | 0001193125-26-318995 |
| Document: 0001193125-26-318995-index-headers.html | 0001193125-26-318995 |
| Document: 0001193125-26-318995-index.html | 0001193125-26-318995 |
| Document: 0001193125-26-318995.txt | 0001193125-26-318995 |
| 8-K Data (Synthetic) | 0001193125-26-318995 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 22, 2026 4w ago | Institutional Cluster | $34.40 $33.53 | ▼ −2.53% | ▼ −1.97% | $34.34 (−0.17%) |
Jul 28, 2026 12w ago | 8-K | $36.06 $34.66 | ▼ −3.88% | ▼ −7.26% | $34.34 (−4.77%) |
Jul 28, 2026 12w ago | Press Release | $36.06 $34.66 | ▼ −3.88% | ▼ −7.26% | $34.34 (−4.77%) |
Jun 11, 2026 19w ago | Institutional Cluster | $30.25 $31.37 | ▲ +3.70% | ▲ +1.81% | $34.34 (+13.52%) |
May 27, 2026 21w ago | 8-K | $28.70 $31.51 | ▲ +9.79% | ▲ +11.69% | $34.34 (+19.65%) |
May 5, 2026 24w ago | 8-K | $27.35 $28.81 | ▼ −5.34% | ▼ −0.38% | $34.34 (−25.56%) |
Apr 24, 2026 26w ago | 8-K | $29.41 $27.81 | ▼ −5.44% | ▼ −9.47% | $34.34 (+16.76%) |
US Market Status
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