CF Bankshares Inc.

NasdaqCM:CFBK Stock Report

Market Cap: US$190.5m

CF Bankshares Management

Management criteria checks 4/4

CF Bankshares' CEO is Tim O’Dell, appointed in Aug 2012, has a tenure of 13.83 years. total yearly compensation is $1.39M, comprised of 37.2% salary and 62.8% bonuses, including company stock and options. directly owns 4.74% of the company’s shares, worth $9.02M. The average tenure of the management team and the board of directors is 3.7 years and 13.8 years respectively.

Key information

Tim O’Dell

Chief executive officer

US$1.4m

Total compensation

CEO salary percentage37.17%
CEO tenure13.8yrs
CEO ownership4.7%
Management average tenure3.7yrs
Board average tenure13.8yrs

Recent management updates

Recent updates

Seeking Alpha Feb 20

Recent Run Removed Some Of The Opportunity For Investing In CF Bankshares

Summary CF Bankshares delivered strong FY 2025 earnings growth, but loan portfolio risks temper enthusiasm for a Buy rating. CFBK's branch-lite model drives efficiency, with a 49.17% efficiency ratio and improving profitability, yet net interest margin lags peers. Non-performing loans and assets rose at year-end, with a coverage ratio of 115.3%—well below peer averages, limiting margin for error. Dividend yield remains low at 1.12%, despite six increases since 2021; future upside depends on improved loan quality and sustained earnings growth. Read the full article on Seeking Alpha
Analysis Article Jan 08

CF Bankshares (NASDAQ:CFBK) Will Pay A Larger Dividend Than Last Year At $0.09

CF Bankshares Inc. ( NASDAQ:CFBK ) will increase its dividend from last year's comparable payment on the 26th of...
Analysis Article Jul 04

CF Bankshares' (NASDAQ:CFBK) Upcoming Dividend Will Be Larger Than Last Year's

CF Bankshares Inc. ( NASDAQ:CFBK ) will increase its dividend from last year's comparable payment on the 21st of July...
Analysis Article Oct 05

CF Bankshares' (NASDAQ:CFBK) Upcoming Dividend Will Be Larger Than Last Year's

The board of CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that the dividend on 19th of October will be increased to...
Analysis Article May 23

Increases to CF Bankshares Inc.'s (NASDAQ:CFBK) CEO Compensation Might Cool off for now

Key Insights CF Bankshares will host its Annual General Meeting on 29th of May CEO Tim O’Dell's total compensation...
Analysis Article Jul 13

CF Bankshares (NASDAQ:CFBK) Is Paying Out A Dividend Of $0.06

The board of CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that it will pay a dividend of $0.06 per share on the 1st...
Analysis Article Oct 07

CF Bankshares (NASDAQ:CFBK) Is Increasing Its Dividend To $0.05

CF Bankshares Inc. ( NASDAQ:CFBK ) has announced that it will be increasing its dividend from last year's comparable...
Seeking Alpha Oct 04

CF Bankshares  declares $0.05 dividend

CF Bankshares  (NASDAQ:CFBK) declares $0.05/share quarterly dividend, in line with previous. Forward yield 0.91% Payable Oct. 25; for shareholders of record Oct. 14; ex-div Oct. 13. See CFBK Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha Aug 03

CF Bankshares  GAAP EPS of $0.72 beats by $0.04, revenue of $12.35M beats by $0.35M

CF Bankshares  press release (NASDAQ:CFBK): Q2 GAAP EPS of $0.72 beats by $0.04. Revenue of $12.35M (+3.0% Y/Y) beats by $0.35M.
Seeking Alpha Jul 05

CF Bankshares raises dividend by 25% to $0.05

CF Bankshares  (NASDAQ:CFBK) declares $0.05/share quarterly dividend, 25% increase from prior dividend of $0.04. Forward yield 0.95% Payable July 26; for shareholders of record July 15; ex-div July 14. See CFBK Dividend Scorecard, Yield Chart, & Dividend Growth.
Analysis Article May 07

One CF Bankshares Inc. (NASDAQ:CFBK) Analyst Is Reducing Their Forecasts For This Year

Today is shaping up negative for CF Bankshares Inc. ( NASDAQ:CFBK ) shareholders, with the covering analyst delivering...

CEO Compensation Analysis

How has Tim O’Dell's remuneration changed compared to CF Bankshares's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$18m

Dec 31 2025US$1mUS$518k

US$17m

Sep 30 2025n/an/a

US$16m

Jun 30 2025n/an/a

US$18m

Mar 31 2025n/an/a

US$14m

Dec 31 2024US$2mUS$509k

US$13m

Sep 30 2024n/an/a

US$13m

Jun 30 2024n/an/a

US$13m

Mar 31 2024n/an/a

US$16m

Dec 31 2023US$1mUS$500k

US$17m

Sep 30 2023n/an/a

US$17m

Jun 30 2023n/an/a

US$18m

Mar 31 2023n/an/a

US$18m

Dec 31 2022US$1mUS$475k

US$18m

Sep 30 2022n/an/a

US$18m

Jun 30 2022n/an/a

US$18m

Mar 31 2022n/an/a

US$17m

Dec 31 2021US$1mUS$425k

US$18m

Sep 30 2021n/an/a

US$21m

Jun 30 2021n/an/a

US$27m

Mar 31 2021n/an/a

US$32m

Dec 31 2020US$960kUS$375k

US$27m

Sep 30 2020n/an/a

US$23m

Jun 30 2020n/an/a

US$15m

Mar 31 2020n/an/a

US$9m

Dec 31 2019US$834kUS$315k

US$9m

Compensation vs Market: Tim's total compensation ($USD1.39M) is about average for companies of similar size in the US market ($USD1.66M).

Compensation vs Earnings: Tim's compensation has been consistent with company performance over the past year.


CEO

Tim O’Dell (73 yo)

13.8yrs
Tenure
US$1,392,313
Compensation

Mr. Timothy T. O’Dell, also known as Tim, has been the Chief Executive Officer of CF Bankshares Inc and CFBank National Association since August 23, 2012 respectively. He was President of CFBank National A...


Leadership Team

NamePositionTenureCompensationOwnership
Timothy O’Dell
President13.8yrsUS$1.39m4.74%
$ 9.0m
Kevin Beerman
Executive VP & CFO5.9yrsUS$596.53k0.52%
$ 991.2k
Marianne McKinney
Executive VP & Chief Operating Officer of CFBank3.7yrsno data0.22%
$ 428.5k
Timothy Meder
Executive VP & Chief Credit Officer of CFBank3.7yrsno data0.25%
$ 476.5k
Matt Tuohey
Market President of Northeast Ohio Region-Greater Cleveland1.1yrsno datano data
John Wilgus
Senior Vice Presidentless than a yearno datano data
Gregory Perelka
President of Residential Mortgage Lendingless than a yearno datano data
Barbara Pyke
Corporate Secretaryno datano datano data
3.7yrs
Average Tenure
57yo
Average Age

Experienced Management: CFBK's management team is considered experienced (3.7 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Timothy O’Dell
President13.8yrsUS$1.39m4.74%
$ 9.0m
Robert Hoeweler
Independent Chairman13.8yrsUS$201.00k1.17%
$ 2.2m
Thomas Ash
Independent Director41.4yrsUS$144.69k0.81%
$ 1.5m
James Frauenberg
Independent Director13.8yrsUS$112.62k1.81%
$ 3.5m
Edward Cochran
Independent Director13.5yrsUS$121.02k5.44%
$ 10.4m
Bradley Ringwald
Directorless than a yearUS$859.99k0.58%
$ 1.1m
David Royer
Independent Director7.9yrsUS$147.36k0.63%
$ 1.2m
13.8yrs
Average Tenure
73yo
Average Age

Experienced Board: CFBK's board of directors are seasoned and experienced ( 13.8 years average tenure).


Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/08 07:49
End of Day Share Price 2026/06/05 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

CF Bankshares Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Justin CrowleyPiper Sandler Companies