The combination of an earnings and revenue miss, along with a sharp increase in nonaccrual loans, suggests deteriorating credit quality. Monitor upcoming provisions and net interest margin trends; the stock may face near-term selling pressure.
Price Chart
Executive Summary
CF Bankshares reported Q1 2026 EPS of $0.77, missing the $0.81 consensus, and total revenue (net interest income + noninterest income) of $14.8M, below the $16.4M estimate. Nonaccrual loans jumped to $20.3M (1.14% of total loans) from $15.3M in Q4 2025, signaling credit quality deterioration. Net income rose 13% YoY but declined sequentially from Q4 2025.
Key Financial Metrics
Key Facts
- Diluted EPS $0.77 vs consensus $0.81 (miss of 4.9%)
- Total revenue (net interest + noninterest) $14.8M vs consensus $16.4M (miss of 9.7%)
- Nonaccrual loans increased to $20.3M from $15.3M in Q4 2025
- Net income $5.0M, up 13% YoY but down from $5.7M in Q4 2025
- Net interest margin narrowed to 2.69% from 2.85% in Q4 2025
- Provision for credit losses $604,000 vs $1.2M in Q4 2025
- Book value per share $28.20
- Quarterly dividend maintained at $0.09 per share
Financial Impact
EPS miss of ~5%, revenue miss of ~10%, and rising nonperforming loans
Risk Factors
- Further credit deterioration leading to higher loan loss provisions
- Net interest margin compression if deposit costs remain sticky
- Loan payoff volatility impacting interest income
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-205631 |
| Document: cfbk-20260505.htm | 0001193125-26-205631 |
| Document: 0001193125-26-205631-index-headers.html | 0001193125-26-205631 |
| Document: 0001193125-26-205631-index.html | 0001193125-26-205631 |
| Document: 0001193125-26-205631.txt | 0001193125-26-205631 |
| 8-K Data (Synthetic) | 0001193125-26-205631 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $34.62 | awaiting T+20 | — | $34.52 (−0.29%) |
Oct 27, 2026 today | Press Release | $34.62 | awaiting T+20 | — | $34.52 (−0.29%) |
Sep 22, 2026 4w ago | Institutional Cluster | $34.40 $33.53 | ▼ −2.53% | ▼ −1.97% | $34.52 (+0.35%) |
Jul 28, 2026 13w ago | 8-K | $36.06 $34.66 | ▼ −3.88% | ▼ −7.26% | $34.52 (−4.27%) |
Jul 28, 2026 13w ago | Press Release | $36.06 $34.66 | ▼ −3.88% | ▼ −7.26% | $34.52 (−4.27%) |
Jun 11, 2026 19w ago | Institutional Cluster | $30.25 $31.37 | ▲ +3.70% | ▲ +1.81% | $34.52 (+14.12%) |
May 27, 2026 21w ago | 8-K | $28.70 $31.51 | ▲ +9.79% | ▲ +11.69% | $34.52 (+20.28%) |
May 5, 2026 24w ago | 8-K | $27.35 $28.81 | ▼ −5.34% | ▼ −0.38% | $34.52 (−26.22%) |
Apr 24, 2026 26w ago | 8-K | $29.41 $27.81 | ▼ −5.44% | ▼ −9.47% | $34.52 (+17.38%) |
US Market Status
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