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Zacks Company Profile for CF Bankshares Inc. (CFBK : NSDQ)

• Company Description    CF Bankshares Inc. operates as the bank holding company for CFBank, National Association which provides banking products and services principally in the United States. It offers saving accounts, account checking, consumer and business loans, credit and debit cards, online and mobile banking, mortgage and other financial services. CF Bankshares Inc., formerly known as Central Federal Corporation, is based in OH, United States. Number of Employees: 103

• Price / Volume Information    Yesterday's Closing Price: $24.95 Daily Weekly Monthly 20 Day Moving Average: 69,199 shares Shares Outstanding: 6.37 (millions) Market Capitalization: $158.86 (millions) Beta: 0.43 52 Week High: $27.46 52 Week Low: $19.22 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 5.05% 5.12% 12 Week 4.39% 2.99% Year To Date -2.31% -16.07%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 4960 EAST DUBLIN GRANVILLE RD SUITE 400 - COLUMBUS,OH 43081 USA ph: 614-334-7979 fax: 302-655-5049 investorrelations@cf.bank http://www.cf.bank

• General Corporate Information    Officers Timothy T. O'Dell - President and Chief Executive Officer Robert E. Hoeweler - Chairman Kevin J. Beerman - Executive Vice President and Chief Financial Offic Thomas P. Ash - Director Edward W. Cochran - Director Peer Information CF Bankshares Inc. (CNBKA) CF Bankshares Inc. (CNBI2) CF Bankshares Inc. (CNOB) CF Bankshares Inc. (FBNK.) CF Bankshares Inc. (FMBN) CF Bankshares Inc. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 12520L109 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 02/11/26 Share - Related Items Shares Outstanding: 6.37 Most Recent Split Date: 8.00 (0.18:1) Beta: 0.43 Market Capitalization: $158.86 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 1.28% Current Fiscal Quarter EPS Consensus Estimate: $0.76 Indicated Annual Dividend: $0.32 Current Fiscal Year EPS Consensus Estimate: $2.57 Payout Ratio: 0.13 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.05 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/10/2025 - $0.08 Next EPS Report Date: 02/11/26

• Fundamental Ratios P/E Current FY Estimate: 9.71 Trailing 12 Months: 10.02 PEG Ratio: - Price Ratios Price/Book: 0.89 Price/Cash Flow: 10.23 Price / Sales: 1.26 EPS Growth vs. Year Ago Period: -44.62% vs. Previous Quarter: -53.25% Sales Growth vs. Year Ago Period: 1.53% vs. Previous Quarter: 0.46% ROE 12/31/25 - - 09/30/25 - 9.23 06/30/25 - 10.44 ROA 12/31/25 - - 09/30/25 - 0.77 06/30/25 - 0.85 Current Ratio 12/31/25 - - 09/30/25 - 1.14 06/30/25 - 1.13 Quick Ratio 12/31/25 - - 09/30/25 - 1.14 06/30/25 - 1.13 Operating Margin 12/31/25 - - 09/30/25 - 12.78 06/30/25 - 14.20 Net Margin 12/31/25 - - 09/30/25 - 12.78 06/30/25 - 14.20 Pre-Tax Margin 12/31/25 - - 09/30/25 - 15.78 06/30/25 - 17.89 Book Value 12/31/25 - - 09/30/25 - 28.16 06/30/25 - 33.92 Inventory Turnover 12/31/25 - - 09/30/25 - 24.25 06/30/25 - 19.77 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.65 06/30/25 - 0.66 Debt-to-Capital 12/31/25 - - 09/30/25 - 39.28 06/30/25 - 39.58

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