Key Highlights

  • CF Bankshares’ $0.09 quarterly common Dividend trades ex-dividend October 9, 2026, with payment on October 20.
  • Second-quarter Net Income was $5.9 million, or $0.90 per diluted share, compared with $5.0 million, or $0.77.
  • Net interest Margin was 2.93%, compared with 2.83% a year earlier, and pre-provision, pre-tax net Revenue was $8.2 million.
  • Commercial Loan fundings were $135 million, producing $52 million of net commercial loan growth in the quarter.

CF Bankshares Inc. (NASDAQ:CFBK), parent of CFBank, National Association, declared a quarterly Cash Dividend of $0.09 per common share, a Yield of 1.06%, payable October 20, with shares trading ex-dividend on October 9, 2026. The $0.09 amount equals 10.0% of second-quarter diluted EPS of $0.90. Second-quarter net income was $5.9 million.

Dividend Program and Shareholder Returns

The company announced the $0.09 quarterly common dividend on October 1, 2026, payable October 20. The shares trade ex-dividend on October 9.

The company declared a $0.09 common dividend on July 1, 2026, paid on July 21. The Series D preferred dividend for the second quarter was $9.00 per share. The $0.09 quarterly amount equals $0.36 on an annualized basis, a computed figure. For the first six months of 2026, diluted EPS was $1.67, compared with $1.45. Each dividend remains subject to board approval.

About the Company

CF Bankshares Inc. is the parent of CFBank, National Association. At June 30, 2026, total deposits were $1.8 billion ($1,828.7 million), up $19.2 million from March 31. Book Value per share was $29.04. CFBank reported a Tier 1 Leverage Ratio of 11.64% and a total Capital ratio of 14.76%.

Second-Quarter Earnings, Margin and Deposits

Second-quarter net income was $5.9 million ($5,912 thousand), compared with $5.0 million in both the second quarter of 2025 and the first quarter of 2026. Diluted EPS was $0.90, compared with $0.77 in both prior periods. Return on average Equity was 12.31%, compared with 11.47% a year earlier.

Net interest income was $14.8 million, compared with $14.0 million a year earlier and $13.3 million in the first quarter. Net interest margin was 2.93%, compared with 2.83% a year earlier and 2.69% in the first quarter. For the first six months, net income was $10.9 million, compared with $9.5 million.

Commercial Lending and Funding Mix

Commercial loan fundings were $135 million in the second quarter, producing $52 million of net commercial loan growth. Pre-provision, pre-tax net revenue was $8.2 million, compared with $7.8 million a year earlier and $6.5 million in the first quarter.

Noninterest-bearing deposits grew $33 million, or 14%. Core deposits, which exclude brokered deposits, rose $91 million, or 6%. These deposit changes are the funding-side figures the company reported alongside the lending activity.

Earnings Relationships and Capital Ratios

Net interest income rose 11.4% from the first quarter and 6.0% from the second quarter of 2025, computed from the reported $14.8 million, $13.3 million and $14.0 million. Pre-provision, pre-tax net revenue rose about 26% from the first quarter, computed from $8.2 million and $6.5 million.

Two $0.09 quarterly dividends equal $0.18, which is 10.8% of six-month diluted EPS of $1.67, a computed ratio. Book value per share was $29.04 and CFBank’s total capital ratio was 14.76%.

The net interest margin rose 24 basis points from the first quarter, computed from 2.69% and 2.93%. Six-month net income was $1.5 million higher than the same period of 2025, and six-month pre-provision, pre-tax net revenue was $14.7 million, compared with $14.0 million. The company also reported that the Series D preferred dividend was $9.00 per share.

Outlook

CF Bankshares’ $0.09 quarterly common dividend is payable October 20, with shares trading ex-dividend on October 9, 2026. The 2.93% net interest margin, the pace of commercial loan fundings, the growth in core deposits, and CFBank’s 11.64% Tier 1 leverage ratio are the relevant considerations.