CF Bankshares Inc.: Form 10-Q for the period ended Jun 30, 2025
Filed with the SEC on Aug 8, 2025 and accepted by EDGAR at Aug 8, 2025, 09:37 ET.
Management's discussion and analysis
As filed, 1,310 characters, with its headings, lists and tables. Extracted from the main document; charts and exhibits are in the original on sec.gov.
(a) None.
(b) Not applicable.
(c) The following table provides information concerning purchases of the Holding Company’s shares of common stock made by or on behalf of the Company or any “affiliated purchaser” as defined in Rule 10b-18(a)(3) under the Exchange Act, during the three months ended June 30, 2025.
| Period | Total number of common shares purchased | Average price paid per common share | Total number of common shares purchased as part of publicly announced plans or programs | Maximum number of common shares that may yet be purchased under the plans or programs | |
|---|---|---|---|---|---|
| April 1, 2025 through April 30, 2025 | 1,502 | (1) | 20.26 | — | 325,000 |
| May 1, 2025 through May 31, 2025 | 25,787 | (2) | 23.92 | 25,787 | 299,213 |
| June 1, 2025 through June 30, 2025 | 6,351 | (2) | 23.41 | 6,351 | 292,862 |
| Total | 33,640 | $23.66 | 32,138 |
(1) Represents shares of common stock surrendered to the Company for the payment of taxes upon the vesting of restricted stock.
(2) On February 4, 2025 the Company's Board of Directors authorized a new stock repurchase program pursuant to which the Company was authorized to repurchase up to 325,000 shares, or approximately 5% of the Company's outstanding common stock, on or before January 31, 2026.
Risk factors
As filed, 459 characters, with its headings, lists and tables. Extracted from the main document; charts and exhibits are in the original on sec.gov.
There are certain risks and uncertainties in our business that could cause our actual results to differ materially from those anticipated. A detailed discussion of our risk factors is included in “Item 1A. Risk Factors” of Part I of the Company’s Annual Report on Form 10-K for the year ended December 31, 2024. There were no material changes to those risk factors as presented in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024.
Figures reported in this filing
Standardized line items from the XBRL in this filing, for the period ended 2025-06-30. Comparative periods it repeats are left out.
| Line item | Period | Value | XBRL concept |
|---|---|---|---|
| Income tax | 3 months2025-04-01 to 2025-06-30 | $1.4m | us-gaap:IncomeTaxExpenseBenefit |
| Income tax | 6 months2025-01-01 to 2025-06-30 | $2.5m | us-gaap:IncomeTaxExpenseBenefit |
| Net income | 3 months2025-04-01 to 2025-06-30 | $5.0m | us-gaap:NetIncomeLoss |
| Net income | 6 months2025-01-01 to 2025-06-30 | $9.5m | us-gaap:NetIncomeLoss |
| Diluted EPS | 3 months2025-04-01 to 2025-06-30 | $0.77 | us-gaap:EarningsPerShareDiluted |
| Diluted EPS | 6 months2025-01-01 to 2025-06-30 | $1.45 | us-gaap:EarningsPerShareDiluted |
| Basic EPS | 3 months2025-04-01 to 2025-06-30 | $0.77 | us-gaap:EarningsPerShareBasic |
| Basic EPS | 6 months2025-01-01 to 2025-06-30 | $1.46 | us-gaap:EarningsPerShareBasic |
| Diluted shares (weighted) | 3 months2025-04-01 to 2025-06-30 | 6,344,833 shares | us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding |
| Diluted shares (weighted) | 6 months2025-01-01 to 2025-06-30 | 6,315,281 shares | us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding |
| Operating cash flow | 6 months2025-01-01 to 2025-06-30 | $10.2m | us-gaap:NetCashProvidedByUsedInOperatingActivities |
| Capital expenditure | 6 months2025-01-01 to 2025-06-30 | $169.0k | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment |
| Dividends paid | 6 months2025-01-01 to 2025-06-30 | $909.0k | us-gaap:PaymentsOfDividendsCommonStock |
| Cash and equivalents | At period end2025-06-30 | $275.7m | us-gaap:CashAndCashEquivalentsAtCarryingValue |
| Total assets | At period end2025-06-30 | $2.13bn | us-gaap:Assets |
| Total liabilities | At period end2025-06-30 | $1.96bn | us-gaap:Liabilities |
| Shareholders' equity | At period end2025-06-30 | $177.0m | us-gaap:StockholdersEquity |
Source: SEC EDGAR, the filing index for accession 0000950170-25-105500. Last ingested by Listed: Oct 27, 2026, 09:05 ET. Listed shows no prices and gives no investment advice.