CF Bankshares Q2 Earnings: Net Income Climbs 18% to $5.9M, NIM Widens 24 bps, but Nonperforming Loans Tick Up
CFBK sits 54% above its 52-week low of $22.1 on elevated volume (3.6× avg).
Summary
CF Bankshares posted Q2 2026 net income of $5.9 million ($0.90 diluted EPS), an 18% gain over Q1 2026, as net interest margin expanded to 2.93%. Nonperforming loans, however, rose to $20.8 million from $15.3 million at year-end 2025.
Key Events · Earnings and Guidance · CFBK
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Q2 Net Income Up 18%
Driven by higher net interest income and a lower provision expense, net income reached $5.9 million ($0.90 diluted EPS), compared with $5.0 million in Q1 2026.
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Net Interest Margin Expands
Reflecting higher asset yields and a $370,000 prepayment penalty benefit, NIM improved 24 bps to 2.93%.
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Nonperforming Loans Increase
Primarily due to a $5 million non-core C&I loan, nonperforming loans rose to $20.8 million (1.15% of total loans) from $15.3 million at year-end 2025.
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Book Value Per Share Rises
Book value per common share increased to $29.04 as of June 30, 2026, up from $28.20 at March 31, 2026.
Analysis · CFBK · Finance
A robust second quarter saw net income climb 18% sequentially to $5.9 million, fueled by a 24-basis-point expansion in net interest margin to 2.93% and a 26% surge in pre-provision pre-tax net revenue. Book value per share advanced to $29.04. On the flip side, asset quality weakened: nonperforming loans grew to $20.8 million, or 1.15% of total loans, up from $15.3 million at year-end 2025, largely tied to a single $5 million non-core C&I loan. The picture is one of strengthening profitability shadowed by mounting credit risk that demands attention.
How filings like this one have moved
In the 30 days to Oct 4, 2026, 29.1% of the 1568 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.60%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, CFBK was trading at $34.03 on NASDAQ in the Finance sector, with a market capitalization of approximately $221.4M. The 52-week trading range was $22.10 to $35.50. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.