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CF Bankshares Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by Frauenberg James H II, was filed 17 Dec 2025.
CF Bankshares Inc.: what insiders have been doing
CF Bankshares Inc. belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). In the past year (22 October 2025 to 22 October 2026), 30 filings came from 10 insiders.
Open-market activity splits into 5 purchases totalling €54k and 1 sale totalling €12k; 5 insiders sit on the buying side and 1 insider on the selling side. Netting one side against the other leaves €41k of net buying. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. The largest single trade was a purchase of €20k by Ringwald Bradley J, published on 16 December 2025. The buyers include 3 senior executives, 1 finance chief and 1 chief executive.
The data flag 4 purchases as part of a group of insiders buying within 30 days of each other. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The clock since the last published purchase (17 December 2025) now reads 311 days. Filings reach the SEC (Form 4) feed a median of 4 days after the trade. Section 16 rules allow two business days to file each Form 4.
Compared with its exchange (3,171 companies, median 24 filings), a count of 30 filings is above the norm. The full history, which starts in 2016, counts 93 purchases against 8 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 17.5 m USD, with a dividend of 0.30 USD per share.
These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
255
Thresholds
n/a
Buy Volume
€979,891
93 ops. · all time
Sell Volume
€1M
8 ops. · all time
Who traded when
BuySaleTimothy T. O'Dell5 sales
Marianne McKinney2 sales
Robert E. Hoeweler2 buys
Thomas P. Ash2 buys
Bradley J. Ringwald1 buy
James H. Frauenberg II1 buy
+2 other insiders
Since the insiders bought
- +3.6%Entry US$26.39 · Close at T+90 US$27.33
- +10.0%Entry US$25.95 · Close at T+90 US$28.55
- +10.0%Entry US$25.95 · Close at T+90 US$28.55
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,610 of 26,248 companies
77.8
score / 100
Value78
Quality78
FCF yld8.4%
Earn yld7.8%
EV/EBITDA·
ROE10%
Gross mgn·
Net mgn28%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$33.55
Analyst consensus
1 analysts2.00/5
US$40.00Target US$40.00(+19%)US$40.00
Income statement
RevenueUS$60M
Net incomeUS$17M34.7% margin
Valuation
PER (trailing)11.5x
PER (forward)8.0x
P/Book1.1x
Beta0.42
Balance sheet & cash
Market capUS$217.8M
Total debtUS$121.9M
Free Cash FlowUS$18.2M
Profitability & ownership
ROE10.2%
ROA0.9%
% insiders17.1%
% institutions63.1%
Last declaration on 14 September 2026
Declarations255 total
400 shares@ US$35.35930.0063% mcap11.9% of flowCommon Stock 12520L 109SEC:0001193125-26-390619:0
1,000 shares0Common Stock 12520L 109SEC:0001193125-26-334542:0
1,932 sharesCommon Stock 12520L 109SEC:0001193125-26-270966:0
1,450 shares0Common Stock 12520L 109SEC:0001193125-26-236405:0
5,000 shares@ US$29.490.070% mcap12.9% of flowCommon Stock 12520L 109SEC:0001193125-26-176963:0
592 shares@ US$29.490.0083% mcap14.3% of flowCommon Stock 12520L 109SEC:0001193125-26-161133:0
267 shares@ US$29.490.0038% mcap19.3% of flowCommon Stock 12520L 109SEC:0001193125-26-161132:0
247 shares@ US$29.490.0035% mcap6.1% of flowCommon Stock 12520L 109SEC:0001193125-26-161131:0
594 shares@ US$28.220.0082% mcap41.3% of flowCommon Stock 12520L 109SEC:0001193125-26-144983:0
568 shares@ US$28.220.0078% mcap13.5% of flowCommon Stock 12520L 109SEC:0001193125-26-144988:0
987 shares@ US$28.220.014% mcap22.9% of flowCommon Stock 12520L 109SEC:0001193125-26-144991:0
12,750 shares0Common Stock 12520L 109SEC:0001193125-26-123841:0
3,500 shares0Common Stock 12520L 109SEC:0001193125-26-071370:0
5,000 shares0Common Stock 12520L 109SEC:0001193125-26-071393:0
4,500 shares0Common Stock 12520L 109SEC:0001193125-26-071386:0
5,500 shares0Common Stock 12520L 109SEC:0001193125-26-071384:0
10,500 shares0Common Stock 12520L 109SEC:0001193125-26-071380:0
8,500 shares0Common Stock 12520L 109SEC:0001193125-26-071379:0
4,500 shares0Common Stock 12520L 109SEC:0001193125-26-071376:0
5,500 shares0Common Stock 12520L 109SEC:0001193125-26-071375:0
3,500 shares0Common Stock 12520L 109SEC:0001193125-26-071372:0
18,000 shares0Common Stock 12520L 109SEC:0001193125-26-071368:0
349 shares@ US$28.668.3% of flowCommon Stock 12520L 109SEC:0001193125-26-024284:0
640 shares@ US$28.6614.9% of flowCommon Stock 12520L 109SEC:0001193125-26-024281:0
291 shares@ US$28.6620.3% of flowCommon Stock 12520L 109SEC:0001193125-26-024279:0
25 of 255 declarations
About CF Bankshares Inc.
CF Bankshares Inc. is a U.S. financial holding company listed on the NASDAQ under the ticker CFBK. Headquartered in Columbus, Ohio, United States, the company owns 100% of CFBank, National Association, a nationally chartered boutique commercial bank. For French-, Belgian-, and Swiss-based investors, the name fits the profile of a small-cap U.S. regional bank with a relationship-driven model, a focused geographic footprint, and a mix of commercial, retail, and mortgage banking activities.
The company’s modern strategic identity was shaped by a recapitalization in 2012, when the leadership team repositioned CFBank after the financial crisis and converted it into a full-service commercial banking franchise. Since then, the group has emphasized higher-quality lending relationships and a more balanced funding base. Its core lines of business include commercial loans, commercial real estate loans, residential real estate loans, equipment leases, treasury management depository services, residential mortgage lending, and full-service commercial and retail banking products. On the deposit side, the bank serves customers through checking accounts, savings accounts, money market accounts, and certificates of deposit.
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CF Bankshares competes by combining a boutique service model with direct access to decision-makers, which management presents as an alternative to larger banks’ bureaucratic processes. The company also describes itself as operating with a “branch lite” approach, supporting operating efficiency and customer responsiveness. Its business is concentrated in five primary metro markets: Columbus, Cleveland, Cincinnati, and Akron in Ohio, plus Indianapolis, Indiana. This regional focus gives the franchise a defined commercial banking niche while keeping its operating base manageable.
Recent results suggest the franchise entered 2026 with improving momentum. For full-year 2025, CF Bankshares reported net income up 31% year over year, alongside higher pre-provision, pre-tax net revenue, improved net interest margin, and a lower cost of funds. Management also highlighted stronger core deposits, healthy commercial loan fundings, and continued improvement in operating efficiency. In July 2025, the board increased the quarterly cash dividend by 14% and the shares were added to the Russell 3000 Index, increasing market visibility and institutional relevance. Early 2026 commentary pointed to deeper commercial and regional banking teams, strong loan pipelines, and better funding conditions.
Overall, CFBK is best viewed as a focused U.S. regional banking platform in the United States, listed on NASDAQ, with exposure to commercial credit demand, deposit competition, and interest-rate sensitivity, but also with an improving earnings profile and a clearer strategic emphasis on relationship banking and capital efficiency.
