The in-line earnings with improving NIM and efficiency are positive, but rising nonaccrual loans and provision expense warrant monitoring. Watch for NIM trajectory in Q3 given management's cautious commentary on margin pressure, and track asset quality trends in the next 10-Q.
Price Chart
Executive Summary
CF Bankshares reported Q2 2026 EPS of $0.90, beating the $0.89 consensus estimate by 1.1%, with net income of $5.9M up 18% sequentially. Net interest margin expanded 24bps to 2.93% and the efficiency ratio improved to 50.4%, though nonaccrual loans rose to $20.8M (1.15% of loans). The results are in line with expectations and show solid operational momentum, but asset quality deterioration and NIM compression headwinds keep the outlook balanced.
Key Financial Metrics
Key Facts
- Q2 2026 EPS of $0.90 vs $0.89 consensus (beat by 1.1%)
- Net income $5.9M, up 18% from Q1 2026 and 17% YoY
- Net interest margin expanded 24bps to 2.93%
- Efficiency ratio improved to 50.4% from 56.1% in Q1 2026
- Nonaccrual loans rose to $20.8M (1.15% of total loans) from $20.3M
- Provision for credit losses increased to $944K from $604K in Q1 2026
- Book value per share increased to $29.04
- Declared $0.09 per share common dividend paid July 21, 2026
Financial Impact
Q2 2026 net income $5.9M, EPS $0.90 vs consensus $0.89; revenue $16.5M vs $16.3M consensus
Risk Factors
- Net interest margin expected to remain under pressure per management commentary
- Nonaccrual loans increased to $20.8M, with one $5.0M non-core C&I loan added
- Provision for credit losses rose 56% sequentially to $944K
- Competitive loan pricing environment may compress spreads
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-prn-302835500 |
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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