CF Bankshares Q3 profit drops on credit loss provision

Reuters

Nov 03, 2025

CF Bankshares Q3 profit drops on credit loss provision

Overview

CF Bankshares Q3 net income falls due to $5.1 mln provision for credit losses
Pre-provision, pre-tax net revenue rises 33% yr/yr to $7.8 mln
Net interest margin increases 35bps compared to Q3 2024

Outlook

Company anticipates net commercial loan growth to accelerate by early 2026
Company expects expanding saleable residential mortgage loan volumes to add to fee income
Company's commercial loan production and pipelines remain strong

Result Drivers

CREDIT LOSSES - Q3 earnings impacted by $7 mln charge-off of a non-customer loan, increasing provision expense by $3.7 mln
COMMERCIAL LOAN GROWTH - New Commercial Loan production totaled $155 mln YTD, offsetting considerable loan payoffs
EFFICIENCY IMPROVEMENT - Efficiency ratio improved to 49.8% from 55.3% in Q3 2024

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q3 Net Income		$2.30 mln
Q3 Net Interest Income		$13.80 mln
Q3 Net Interest Margin		2.76%

Analyst Coverage

The one available analyst rating on the shares is "buy"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for CF Bankshares Inc is $29.00, about 20% above its October 31 closing price of $23.20
The stock recently traded at 6 times the next 12-month earnings vs. a P/E of 7 three months ago

Press Release: ID:nPnkkJ9Ra

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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One of the best stock trading platforms in Singapore.","ogImage":"https://c1.itigergrowtha.com/portal5/static/media/og-logo.be62fbe1.png","ogUrl":"https://www.itiger.com/news/2580196032"},"companyName":"Tiger Brokers"},"pageData":{"isMobile":false,"isTiger":false,"isTTM":true,"region":"SGP","license":"TBSG","edition":"fundamental"},"isCrawlerRequest":true,"__swrFallback__":{"@#url:\"https://stock-news.skytigris.cn/v3/news\",params:#id:\"2580196032\",edition:\"fundamental\",auth_exemption:1,,,undefined,":{"share":"https://ttm.financial/m/news/2580196032?lang=en_US&edition=fundamental","thumbnail":"","is_english":true,"pubTime":"2025-11-03 22:07","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2580196032","market":"fut","top_or_hot":-1,"title":"CF Bankshares Q3 profit drops on credit loss provision","media":"Reuters","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title>CF Bankshares Q3 profit drops on credit loss provision</title></head><body><p><span>Overview</span></p><ul><li><p>CF Bankshares Q3 net income falls due to $5.1 mln provision for credit losses</p></li><li><p>Pre-provision, pre-tax net revenue rises 33% yr/yr to $7.8 mln</p></li><li><p>Net interest margin increases 35bps compared to Q3 2024</p></li></ul><p><span>Outlook</span></p><ul><li><p>Company anticipates net commercial loan growth to accelerate by early 2026</p></li><li><p>Company expects expanding saleable residential mortgage loan volumes to add to fee income</p></li><li><p>Company's commercial loan production and pipelines remain strong</p></li></ul><p><span>Result Drivers</span></p><ul><li><p>CREDIT LOSSES - Q3 earnings impacted by $7 mln charge-off of a non-customer loan, increasing provision expense by $3.7 mln</p></li><li><p>COMMERCIAL LOAN GROWTH - New Commercial Loan production totaled $155 mln YTD, offsetting considerable loan payoffs</p></li><li><p>EFFICIENCY IMPROVEMENT - Efficiency ratio improved to 49.8% from 55.3% in Q3 2024</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q3 Net Income</p></td><td></td><td><p>$2.30 mln</p></td><td></td></tr><tr><td><p>Q3 Net Interest Income</p></td><td></td><td><p>$13.80 mln</p></td><td></td></tr><tr><td><p>Q3 Net Interest Margin</p></td><td></td><td><p>2.76%</p></td><td></td></tr></tbody></table><p><span>Analyst Coverage</span></p><ul><li><p>The one available analyst rating on the shares is \"buy\"</p></li><li><p>The average consensus recommendation for the banks peer group is \"buy\"</p></li><li><p>Wall Street's median 12-month price target for CF Bankshares Inc is $29.00, about 20% above its October 31 closing price of $23.20</p></li><li><p>The stock recently traded at 6 times the next 12-month earnings vs. a P/E of 7 three months ago</p></li></ul><p>Press Release: <span>ID:nPnkkJ9Ra</span></p><p>For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>CF Bankshares Q3 profit drops on credit loss provision</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4195","symbol_name":"互助储蓄与抵押信贷金融服务","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251103:nL1N3WF0IJ:1","article_id":"2580196032","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2580196032","pubTimestamp":1762178879,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"CF Bankshares Q3 profit drops on credit loss provisionOverviewCF Bankshares Q3 net income falls due to $5.1 mln provision for credit lossesPre-provision, pre-tax net revenue rises 33% yr/yr to $7.8 ml","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4195":"互助储蓄与抵押信贷金融服务","CFBK":"Central Federal Corporation","BK4211":"区域性银行"},"translate_title":"CF Bankshares第三季度利润因信贷损失拨备而下降","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CFBK":0.9},"content_text":"CF Bankshares Q3 profit drops on credit loss provisionOverviewCF Bankshares Q3 net income falls due to $5.1 mln provision for credit lossesPre-provision, pre-tax net revenue rises 33% yr/yr to $7.8 mlnNet interest margin increases 35bps compared to Q3 2024OutlookCompany anticipates net commercial loan growth to accelerate by early 2026Company expects expanding saleable residential mortgage loan volumes to add to fee incomeCompany's commercial loan production and pipelines remain strongResult DriversCREDIT LOSSES - Q3 earnings impacted by $7 mln charge-off of a non-customer loan, increasing provision expense by $3.7 mlnCOMMERCIAL LOAN GROWTH - New Commercial Loan production totaled $155 mln YTD, offsetting considerable loan payoffsEFFICIENCY IMPROVEMENT - Efficiency ratio improved to 49.8% from 55.3% in Q3 2024Key DetailsMetricBeat/MissActualConsensus EstimateQ3 Net Income$2.30 mlnQ3 Net Interest Income$13.80 mlnQ3 Net Interest Margin2.76%Analyst CoverageThe one available analyst rating on the shares is \"buy\"The average consensus recommendation for the banks peer group is \"buy\"Wall Street's median 12-month price target for CF Bankshares Inc is $29.00, about 20% above its October 31 closing price of $23.20The stock recently traded at 6 times the next 12-month earnings vs. a P/E of 7 three months agoPress Release: ID:nPnkkJ9RaFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}