# EDGAR Filing Document

**Accession Number:** 0001070680
**File Stem:** 0001193125-25-323818
**Filing Date:** 2025-12
**Character Count:** 12369
**Document Hash:** 251573db6b82570b8bc94ed90f7acc89
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-323818.hdr.sgml**: 20251218

**ACCESSION NUMBER**: 0001193125-25-323818

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20251217

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251218

**DATE AS OF CHANGE**: 20251218

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CF BANKSHARES INC.
- **CENTRAL INDEX KEY:** 0001070680
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 341877137
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-25045
- **FILM NUMBER:** 251581457

**BUSINESS ADDRESS:**
- **STREET 1:** C/O CFBANK
- **STREET 2:** 4960 EAST DUBLIN GRANVILLE RD, SUITE 400
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43081
- **BUSINESS PHONE:** 6143347979

**MAIL ADDRESS:**
- **STREET 1:** C/O CFBANK
- **STREET 2:** 4960 EAST DUBLIN GRANVILLE RD, SUITE 400
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43081

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CENTRAL FEDERAL CORP
- **DATE OF NAME CHANGE:** 20030509

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GRAND CENTRAL FINANCIAL CORP
- **DATE OF NAME CHANGE:** 19980918

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** December 17, 2025<br>

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CF BANKSHARES INC.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 0-25045 | 34-1877137 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| C/O CFBANK<br>4960 EAST DUBLIN GRANVILLE RD<br>SUITE 400 |  |  |
| COLUMBUS**,** Ohio |  | 43081 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** (614) 334-7979<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | |
|:---|:---|
| **<br>Title of each class** | **<br>Name of each exchange on which registered** |
| (Voting) Common Stock, $.01 par value<br> CFBK | The Nasdaq Global Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 8.01 Other Events.
On December 17, 2025, the Board of Directors of CF Bankshares Inc. (the "Company"), approved the extension of its stock repurchase program to August 15, 2026. The Company's stock repurchase program was initially approved by the Company's Board of Directors on January 29, 2025, and authorizes the Company to repurchase up to 325,000 shares, or approximately 5% of the Company's outstanding common stock, on or before January 31, 2026, which has now been extended to August 15, 2026. An aggregate of 54,644 shares of the Company's common stock have been repurchased to date under the stock repurchase program.

Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions. Open market repurchases will be made in accordance with applicable securities laws and regulations, including Rule 10b-18 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and may be effected pursuant to Rule 10b5-1 under the Exchange Act. There is no guarantee as to the exact number or value of shares that will be repurchased by the Company. The manner, timing and amount of any stock repurchases will be determined by the Company's management in its discretion based on its evaluation of various factors, including the trading price of the Company's common stock, market and economic conditions, regulatory requirements and other corporate considerations. The repurchase program may be suspended or discontinued at any time.

## Item 9.01 Financial Statements and Exhibits.

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| | |
|:---|:---|
| (a) | Not applicable |
| (b) | Not applicable |
| (c) | Not applicable |
| (d) | <u>Exhibits</u> |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[<u>99.1</u>](cfbk-ex99_1.htm)[<u>Press Release issued by the Company on December 18, 2025, announcing the extension of its stock repurchase program.</u>](cfbk-ex99_1.htm) |
|  | 104 Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | CF Bankshares Inc. |
| Date: | December 18, 2025 | By:  | /s/ Kevin J. Beerman |
|  |  |  | Kevin J. Beerman<br>Executive Vice President and Chief Financial Officer |

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## Exhibit 99.1

**Exhibit 99.1**

![img237874681_0.jpg](img237874681_0.jpg)

**Parent of CFBank, NA**

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| | |
|:---|:---|
| &nbsp;&nbsp; <br>**PRESS RELEASE** |  |
| &nbsp;&nbsp;***FOR IMMEDIATE RELEASE:*** | &nbsp;&nbsp;December 18, 2025 |
| &nbsp;&nbsp;**For Further Information:** | &nbsp;&nbsp;Timothy T. O'Dell, President & CEO |
|  | &nbsp;&nbsp;Phone: 614.318.4660 |
|  | &nbsp;&nbsp;Email: timodell@cfbankmail.com |

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**CF BANKSHARES INC. ANNOUNCES EXTENSION OF STOCK REPURCHASE PROGRAM** 

**Columbus, Ohio – December 18, 2025** – CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, announced today that the Board of Directors of the Company has approved the extension of its stock repurchase program to August 15, 2026. The Company's stock repurchase program was initially approved by the Company's Board of Directors on January 29, 2025, and authorizes the Company to repurchase up to 325,000 shares, or approximately 5% of the Company's outstanding common stock, on or before January 31, 2026, which has now been extended to August 15, 2026. An aggregate of 54,644 shares of the Company's common stock have been repurchased to date under the stock repurchase program.

Under the stock repurchase program, the Company may purchase shares of its common stock from time to time through various means, including open market transactions and privately negotiated transactions. Open market repurchases will be made in accordance with applicable securities laws and regulations, including Rule 10b-18 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and may be effected pursuant to Rule 10b5-1 under the Exchange Act. There is no guarantee as to the exact number or value of shares that will be repurchased by the Company. The manner, timing and amount of any stock repurchases will be determined by the Company's management in its discretion based on its evaluation of various factors, including the trading price of the Company's common stock, market and economic conditions, regulatory requirements and other corporate considerations. The repurchase program may be suspended or discontinued at any time.

Timothy T. O'Dell, President and CEO, commented "We continue to believe our stock is a good value, and the Board's approval of the extension of this stock repurchase program reflects confidence in our Company's business model and intrinsic value and demonstrates our commitment to enhancing shareholder value."

**About CF Bankshares Inc. and CFBank**

CF Bankshares Inc. (the "Company") is a holding company that owns 100% of the stock of CFBank, National Association ("CFBank"). CFBank is a nationally chartered boutique Commercial bank operating primarily in Five (5) Major Metro Markets: Columbus, Cleveland, Cincinnati, and Akron Ohio, and Indianapolis, Indiana. The current Leadership Team and Board recapitalized the Company and CFBank in 2012 during the financial crisis, repositioning CFBank as a full-service Commercial Bank model. Since the 2012 recapitalization, CFBank has achieved a CAGR in excess of 20%.

CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs, by providing a comprehensive Commercial, Retail, and Mortgage Lending services presence. In all regional markets, CFBank provides commercial loans and equipment leases, commercial and residential real estate loans and treasury management depository services, residential mortgage lending, and full-service commercial and retail banking services and products. CFBank is differentiated by our penchant for individualized service coupled with direct customer access to decision-makers, and ease of doing business. CFBank matches the sophistication of much larger banks, without the bureaucracy.

Additional information about the Company and CFBank is available at www.CF.Bank

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**FORWARD LOOKING STATEMENTS**

This press release and other materials we have filed or may file with the Securities and Exchange Commission ("SEC") contain or may contain forward-looking statements within the meaning of the safe harbor provisions of the U.S. Private Securities Reform Act of 1995, which are made in good faith by us. Forward-looking statements include, but are not limited to: (1) projections of revenues, income or loss, earnings or loss per common share, capital structure and other financial items; (2) plans and objectives of the management or Boards of Directors of the Company or CFBank; (3) statements regarding future events, actions or economic performance; and (4) statements of assumptions underlying such statements. Words such as "estimate," "strategy," "may," "believe," "anticipate," "expect," "predict," "will," "intend," "plan," "targeted," and the negative of these terms, or similar expressions, are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements. Various risks and uncertainties may cause actual results to differ materially from those indicated by our forward-looking statements, including, without limitation those risks detailed from time to time in our reports filed with the SEC, including those risk factors identified in "Item 1A. Risk Factors" of Part I of our Annual Report on Form 10-K filed with SEC for the year ended December 31, 2024.

Forward-looking statements are not guarantees of performance or results. A forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement. We believe that we have chosen these assumptions or bases in good faith and that they are reasonable. We caution you, however, that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material. The forward-looking statements included in this press release speak only as of the date hereof. We undertake no obligation to publicly release revisions to any forward-looking statements to reflect events or circumstances after the date of such statements, except to the extent required by law.

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