Company: CFBK
Filing Date: 2025-01-21
Form Type: S-3/A
Source: 0001193125-25-009427
Chunk: 4

Company: CF BANKSHARES INC.
Filing Date: 2025-01-21
Form: S-3/A
Chunk 4
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| CF BANKSHARES INC.                  |     |      |  4 |
| USE OF PROCEEDS                     |     |      |  4 |
| SELLING SECURITYHOLDERS             |     |      |  5 |
| DESCRIPTION OF CAPITAL STOCK        |     |      |  8 |
| PLAN OF DISTRIBUTION                |     |      | 14 |
| LEGAL MATTERS                       |     |      | 16 |
| EXPERTS                             |     |      | 16 |
| WHERE YOU CAN FIND MORE INFORMATION |     |      | 16 |
| INCORPORATION BY REFERENCE          |     |      | 17 |

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RISK FACTORS

An investment in our securities involves a high degree of risk. You should carefully consider any risk factors contained in any applicable
prospectus supplement, as well as the risk factors set forth in our most recent Annual Report on Form 10-K filed with the United States Securities and Exchange Commission (the “SEC”) and any material
changes to those risk factors set forth in a Quarterly Report on Form 10-Q. You should also refer to the other information in this prospectus and any applicable prospectus supplement, including our financial
statements and the related notes incorporated by reference into this prospectus. Additional risks and uncertainties that are not yet identified may also materially harm our business, operating results and financial condition. If any of these risks
actually occur, our business, results of operations and financial condition could suffer. In that case, the trading price of our securities could decline, and you could lose all or part of your investment. This prospectus and documents incorporated
by reference in this prospectus also contain forward-looking statements that involve risks and uncertainties. Our actual results could differ materially and adversely from those anticipated in these forward-looking statements as a result of certain
factors, including the risks faced by us.

ABOUT THIS PROSPECTUS

This prospectus is part of a registration statement on Form S-3 that we have filed with the SEC, using
a “shelf” registration process. Under this registration process, the Selling Securityholders may from time to time offer and sell or otherwise dispose of the Securities covered by this prospectus. As permitted by the rules and regulations
of the SEC, the registration statement filed by us includes additional information not contained in this prospectus.

Each time a Selling
Securityholder sells Securities, the Selling Securityholder is required to provide you with a prospectus containing specific information about the