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CF Bankshares

CFBK on Nasdaq. Market value $136m.

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Should I look at this?

We have not checked this company yet

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Who owns it

1 long-term investor we follow owns it, unchanged from 1 last quarter. 102 funds in all.

Jun '25
Dec '25
Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

5 investors own more than 5%.

  • Edward W. Cochran
    5.5%−1.3 pts
    Since 13 February 2026
    What they said

    Private Investment

    Read the filing
  • BlackRock, Inc.
    Passive investor
    5.1%
    Since 30 June 2026
  • Castle Creek Capital Partners VII, LP
    Passive investor
    at least 4.8%−1.3 pts
    (filed with 1 related holder)
    Since 12 December 2025
  • at least 3.9%
    (filed with 1 related holder)
    Since 30 January 2026
  • Fourthstone LLC
    Passive investor
    at least 2.5%−7.0 pts
    (filed with 5 related holders)
    Since 30 June 2026
  • Timothy T. O'Dell
    Passive investor
    Sold down below 5%
    Since 31 December 2025
  • AllianceBernstein L.P.
    Passive investor
    Sold down below 5%
    Since 31 March 2026

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

In the last 12 months, 5 insiders bought $62,889 of shares on the open market. 1 sold $14,144.

  • McKinney Marianne
    EVP & Chief Operating Officer
    Sold
    Date
    11 September 2026
    Shares
    400
    Price
    $35.36
    Value
    $14,144
  • Ringwald Bradley J
    Bank President
    Bought
    Date
    16 December 2025
    Shares
    1,000
    Price
    $24.07
    Value
    $24,070
  • HOEWELER ROBERT E
    Director
    Bought
    Date
    15 December 2025
    Shares
    1,000
    Price
    $23.87
    Value
    $23,870
  • Beerman Kevin J
    EVP & Chief Financial Officer
    Bought
    Date
    12 December 2025
    Shares
    217
    Price
    $23.84
    Value
    $5,173
  • Frauenberg James H II
    Director
    Bought
    Date
    11 December 2025
    Shares
    210
    Price
    $23.78
    Value
    $4,994
  • ASH THOMAS P
    Director
    Bought
    Date
    4 December 2025
    Shares
    200
    Price
    $23.91
    Value
    $4,782

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the serious warning signs we check for were found. 1 thing worth knowing.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 12 Mar 2026, plus the 10-Q filed 7 Aug 2026 and 6 later 8-Ks.

  • Changed auditor

    Worth knowing

    The company changed its auditor (the firm that checks its books) in the last two years.

    “On March 27, 2025, the Company notified Forvis Mazars of the Company’s engagement of Plante Moran, and the resulting dismissal of Forvis Mazars, as the Company’s independent registered public accounting firm.”

    From an 8-K filed 31 March 2025: Change of auditor. Read it in the filing

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.