CF Bankshares, Inc. (CFBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$35.70+1.51%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CFBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 2 guided quarters · 80.7% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue expanding the Commercial Banking teams and loan portfolios to increase size, scale, and earnings accretion.
Stated as a priority in 3 quarters including 2026-Q1 and 2026-Q2. Net Commercial Loan growth was $45 million in Q1 2026 and $52 million in Q2 2026, supporting increased size and scale. Net income rose 18% from $5.0 million in Q1 to $5.9 million in Q2 2026. The trajectory is delivering consistent growth aligned with management's stated focus.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We expect increasing Size & Scale supported by our strong Commercial Loan Pipelines to be further accretive to Core Earnings during the Second half of 2026.”
“Scaling the Commercial Bank remains a top strategic objective.”
Increase fee income from swap fees, treasury management, and residential mortgage gain-on-sale revenue.
Stated in 3 quarters including 2026-Q1 and 2026-Q2. Noninterest income grew 14% from $1.5 million in Q1 2026 to $1.7 million in Q2 2026, driven by a $184,000 increase in swap fees. Q1 2026 noninterest income was up 23% year-over-year. The trajectory shows delivering growth in fee income as management emphasized.
“Commercial loan Swaps (up $184,000 for the second quarter) are providing lift to non-interest Fee Income.”
“Q1 results reflected a 23% increase in overall non-interest income when compared to Q1 2025.”
Grow residential mortgage loan volumes and gain-on-sale fee income through adding mortgage loan officers and targeted rate buydown programs.
Stated in 3 quarters including 2026-Q1 and 2026-Q2. Notional loans sold increased from $13.5 million in Q1 2026 to $15.7 million in Q2 2026, supporting growth in residential mortgage lending. Management's statements and loan sale data indicate a trajectory of expansion consistent with their stated priority.
“Expansion of our Residential Mortgage salable loan volumes and business is on a trajectory which is likely to provide added Fee income contribution during the second half of the year.”
“Initiatives include expanding residential mortgage salable loan volumes.”
Control noninterest expenses to support efficiency while investing in growth initiatives.
Stated in 2 quarters including 2026-Q1 and 2026-Q2. Efficiency ratio improved from 56.1% in Q1 2026 to 50.4% in Q2 2026, indicating better expense control. Noninterest expense remained stable at $8.3 million in both quarters. The trajectory shows delivering disciplined expense management consistent with management's statements.
“Efficiency Ratio improved to 50.4% compared to 56.1% for the prior quarter.”
“Noninterest expense for Q1 2026 totaled $8.3 million, increased 7.4% from prior quarter.”
Focus on consistent net income growth supported by commercial loan growth and fee income expansion.
Stated in 3 quarters including 2026-Q1 and 2026-Q2. Net income grew 13% year-over-year in Q1 2026 and increased 18% quarter-over-quarter to $5.9 million in Q2 2026. Management's statements and financial results indicate delivering sustainable earnings growth consistent with their priority.
“Net income for Q2 2026 was $5.9 million, an 18% increase over Q1 2026.”
“Net income was $5.0 million for Q1 2026, a 13% increase over Q1 2025.”
Over the trailing year it converted 0.82x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.