CF Bankshares Inc.: Form 10-Q for the period ended Jun 30, 2026
Filed with the SEC on Aug 7, 2026 and accepted by EDGAR at Aug 7, 2026, 10:38 ET.
Management's discussion and analysis
As filed, 1,608 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, 2026.
| 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 (2) | Maximum number of common shares that may yet be purchased under the plans or programs | |
|---|---|---|---|---|---|
| April 1, 2026 through April 30, 2026 | 6,162 | (1) | $29.49 | — | 270,356 |
| May 1, 2026 through May 31, 2026 | 579 | (1) | 29.16 | — | 270,356 |
| June 1, 2026 through June 30, 2026 | 1,932 | (1) | 30.25 | — | 270,356 |
| Total | 8,673 | $29.64 | — |
(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 stock repurchase program pursuant to which the Company was authorized to repurchase up to an aggregate of 325,000 shares, or approximately 5% of the Company's outstanding common stock, on or before January 31, 2026. The Company's Board of Directors subsequently extended the stock repurchase program on December 17, 2025 to August 15, 2026 and on July 29, 2026, to March 15, 2027. As of June 30, 2026 a total of 270,356 shares remained available to be purchased by the Company under this stock repurchase program.
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, 2025. 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, 2025.
Figures reported in this filing
Standardized line items from the XBRL in this filing, for the period ended 2026-06-30. Comparative periods it repeats are left out.
| Line item | Period | Value | XBRL concept |
|---|---|---|---|
| Income tax | 3 months2026-04-01 to 2026-06-30 | $1.4m | us-gaap:IncomeTaxExpenseBenefit |
| Income tax | 6 months2026-01-01 to 2026-06-30 | $2.2m | us-gaap:IncomeTaxExpenseBenefit |
| Net income | 3 months2026-04-01 to 2026-06-30 | $5.9m | us-gaap:NetIncomeLoss |
| Net income | 6 months2026-01-01 to 2026-06-30 | $10.9m | us-gaap:NetIncomeLoss |
| Diluted EPS | 3 months2026-04-01 to 2026-06-30 | $0.90 | us-gaap:EarningsPerShareDiluted |
| Diluted EPS | 6 months2026-01-01 to 2026-06-30 | $1.67 | us-gaap:EarningsPerShareDiluted |
| Basic EPS | 3 months2026-04-01 to 2026-06-30 | $0.91 | us-gaap:EarningsPerShareBasic |
| Basic EPS | 6 months2026-01-01 to 2026-06-30 | $1.68 | us-gaap:EarningsPerShareBasic |
| Diluted shares (weighted) | 3 months2026-04-01 to 2026-06-30 | 6,363,549 shares | us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding |
| Diluted shares (weighted) | 6 months2026-01-01 to 2026-06-30 | 6,335,904 shares | us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding |
| Operating cash flow | 6 months2026-01-01 to 2026-06-30 | $9.8m | us-gaap:NetCashProvidedByUsedInOperatingActivities |
| Capital expenditure | 6 months2026-01-01 to 2026-06-30 | $157.0k | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment |
| Dividends paid | 6 months2026-01-01 to 2026-06-30 | $1.2m | us-gaap:PaymentsOfDividendsCommonStock |
| Cash and equivalents | At period end2026-06-30 | $253.1m | us-gaap:CashAndCashEquivalentsAtCarryingValue |
| Total assets | At period end2026-06-30 | $2.17bn | us-gaap:Assets |
| Total liabilities | At period end2026-06-30 | $1.98bn | us-gaap:Liabilities |
| Shareholders' equity | At period end2026-06-30 | $194.3m | us-gaap:StockholdersEquity |
Source: SEC EDGAR, the filing index for accession 0001193125-26-339475. Last ingested by Listed: Nov 6, 2026, 12:58 ET. Listed shows no prices and gives no investment advice.