CF Bankshares Inc. (CFBK) shareholders
CFBKNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 15/302% above fair value
$35.39+0.07 (+0.20%)
Close on Nov 13, 2026Market cap $229.76MP/E 10.2Yield 0.85%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
56.0%
4M of 6M shares
Institutional holders
102
19 new, 6 sold out
Net institutional buying
0M
In Q2 2026
Insider trades, 12 months
5 buys · 1 sales
Net bought $48.75K
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| Fourthstone LLC Joint filing with L. Phillip Stone, IV (8.07%), Fourthstone Master Opportunity Fund Ltd (6.35%) | 421,191 | 8.07% | 13G (passive) | Jun 30, 2025 |
| Castle Creek Capital VII LLC Joint filing with Castle Creek Capital Partners VII, LP (6.10%) | 388,065 | 6.10% | 13D (active) amendment | Dec 8, 2025 |
| Edward W. Cochran | 349,913 | 5.50% | 13D (active) amendment | Feb 13, 2026 |
| BlackRock, Inc. | 327,780 | 5.10% | 13G (passive) | Jun 30, 2026 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of CFBK | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 377,718 | 5.82% | $12.38M | +67,406 | 0.00% |
| Vanguard Capital Management LLC | 209,107 | 3.22% | $6.85M | +7,106 | 0.00% |
| First Manhattan Co. LLC. | 187,022 | 2.88% | $6.13M | – | 0.02% |
| Two Sigma Investments, LP | 171,288 | 2.64% | $5.61M | +122,387 | 0.00% |
| Fourthstone LLC | 159,824 | 2.46% | $5.26M | −479,554 | 3.75% |
| Daytona Street Capital LLC | 151,386 | 2.33% | $4.77M | – | 3.48% |
| Acadian Asset Management LLC | 141,556 | 2.18% | $4.63M | +17,162 | 0.01% |
| rhino investment partners, Inc | 135,517 | 2.09% | $4.44M | +10,140 | 1.34% |
| Dimensional Fund Advisors LP | 123,250 | 1.90% | $4.04M | +31,128 | 0.00% |
| Geode Capital Management, LLC | 118,800 | 1.83% | $3.89M | +11,793 | 0.00% |
| Marshall Wace, Llp | 118,575 | 1.83% | $3.89M | +86,054 | 0.00% |
| Fifth Third Bancorp | 114,914 | 1.77% | $3.77M | – | 0.01% |
| Citadel Advisors LLC | 104,173 | 1.60% | $3.41M | +62,572 | 0.00% |
| Renaissance Technologies LLC | 102,423 | 1.58% | $3.36M | +7,944 | 0.00% |
| American Century Companies Inc | 82,743 | 1.27% | $2.71M | +31,513 | 0.00% |
| Qube Research & Technologies Ltd | 81,985 | 1.26% | $2.69M | +40,095 | 0.00% |
| UBS Group AG | 79,583 | 1.23% | $2.61M | +75,627 | 0.00% |
| Alliancebernstein L.P. | 74,726 | 1.15% | $2.09M | −165,837 | 0.00% |
| State Street Corp | 73,002 | 1.12% | $2.39M | +17,419 | 0.00% |
| McDonald Partners LLC | 58,702 | 0.90% | $1.92M | −725 | 0.47% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 102 | 4M | 56.0% | 19 / 51 | 16 / 6 | 1M | 1M |
| Q1 2026 | 91 | 4M | 55.1% | 14 / 15 | 53 / 39 | 1M | 2M |
| Q4 2025 | 118 | 6M | 90.7% | 26 / 50 | 22 / 5 | 1M | 0M |
| Q3 2025 | 98 | 6M | 87.3% | 19 / 41 | 14 / 4 | 1M | 0M |
| Q2 2025 | 83 | 5M | 77.8% | 7 / 45 | 12 / 9 | 1M | 0M |
| Q1 2025 | 85 | 5M | 71.5% | 8 / 23 | 27 / 5 | 0M | 0M |
| Q4 2024 | 83 | 5M | 72.3% | 10 / 32 | 15 / 3 | 1M | 0M |
| Q3 2024 | 76 | 4M | 64.1% | 10 / 28 | 14 / 7 | 1M | 0M |
| Q2 2024 | 74 | 4M | 61.9% | 8 / 16 | 25 / 4 | 0M | 0M |
| Q1 2024 | 70 | 4M | 61.7% | 5 / 18 | 22 / 7 | 0M | 0M |
| Q4 2023 | 72 | 4M | 64.1% | 10 / 23 | 21 / 3 | 1M | 0M |
| Q3 2023 | 65 | 4M | 54.3% | 8 / 17 | 20 / 4 | 0M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
104 funds held CFBK in Q2 2026, 61% of their shares through ETFs. Each fund counts once per quarter, from its quarter-end report.
| Fund | Shares | % of CFBK | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 153,341 | 2.36% | $5.02M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 145,675 | 2.24% | $4.77M | 0.01% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 59,668 | 0.92% | $1.70M | 0.01% | May 31, 2026 |
| Fidelity Small Cap Index Fund | 54,367 | 0.84% | $1.93M | 0.01% | Jul 31, 2026 |
| iShares Russell 2000 Value ETF | 54,258 | 0.84% | $1.78M | 0.01% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 52,663 | 0.81% | $1.73M | 0.00% | Jun 30, 2026 |
| Vanguard Russell 2000 Index Fund | 26,084 | 0.40% | $743.92K | 0.00% | May 31, 2026 |
| Dimensional U.S. Small Cap ETF | 21,163 | 0.33% | $752.56K | 0.00% | Jul 31, 2026 |
| Fidelity Extended Market Index Fund | 20,862 | 0.32% | $594.98K | 0.00% | May 31, 2026 |
| Omni Small-Cap Value Fund | 19,000 | 0.29% | $622.63K | 0.05% | Jun 30, 2026 |
| Dimensional US Small Cap Value ETF | 17,211 | 0.27% | $612.02K | 0.01% | Jul 31, 2026 |
| EA Bridgeway Omni Small-Cap Value ETF | 17,174 | 0.26% | $562.79K | 0.02% | Jun 30, 2026 |
| iShares Micro-Cap ETF | 17,160 | 0.26% | $562.33K | 0.04% | Jun 30, 2026 |
| U.S. Small Cap Value Portfolio | 15,914 | 0.25% | $565.90K | 0.00% | Jul 31, 2026 |
| Schwab Small-Cap Index Fund | 12,304 | 0.19% | $437.53K | 0.01% | Jul 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Timothy T. O'Dell | CEO, Director | 305,972 | 4.71% | Jun 15, 2026 |
| Bradley J. Ringwald | Bank President, Director | 37,680 | 0.58% | Apr 17, 2026 |
| Marianne McKinney | EVP & Chief Operating Officer | 14,219 | 0.22% | Sep 14, 2026 |
| Timothy Meder | EVP & Chief Credit Officer | 16,256 | 0.25% | Apr 17, 2026 |
| Kevin J. Beerman | EVP & Chief Financial Officer | 33,817 | 0.52% | Feb 25, 2026 |
| Robert E. Hoeweler | Director | 136,495 | 2.10% | Nov 12, 2026 |
| Thomas P. Ash | Director | 52,419 | 0.81% | Feb 25, 2026 |
| James H. Frauenberg II | Director | 195,357 | 3.01% | Feb 25, 2026 |
| David L. Royer | Director | 41,187 | 0.63% | Feb 25, 2026 |
| Edward W. Cochran | Director | 353,413 | 5.44% | Feb 25, 2026 |
| Sundeep Rana | Director | 9,357 | 0.14% | Mar 26, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Robert E. Hoeweler Director | Nov 10, 2026 | Gift | −1,950 | – | – | 73,162 |
| Marianne McKinney EVP & Chief Operating Officer | Sep 11, 2026 | Sale | −400 | $35.36 | $14.14K | 14,219 |
| Robert E. Hoeweler Director | Aug 4, 2026 | Gift | −1,000 | – | – | 75,112 |
| Timothy T. O'Dell CEO, Director | Jun 11, 2026 | Tax withholding | −1,932 | $30.25 | $58.44K | 295,939 |
| Robert E. Hoeweler Director | May 21, 2026 | Gift | −1,450 | – | – | 76,112 |
| Timothy T. O'Dell CEO, Director | Apr 11, 2026 | Tax withholding | −5,000 | $29.49 | $147.45K | 297,871 |
| Bradley J. Ringwald Bank President, Director | Apr 11, 2026 | Tax withholding | −592 | $29.49 | $17.46K | 37,680 |
| Timothy Meder EVP & Chief Credit Officer | Apr 11, 2026 | Tax withholding | −267 | $29.49 | $7.87K | 16,256 |
| Marianne McKinney EVP & Chief Operating Officer | Apr 11, 2026 | Tax withholding | −247 | $29.49 | $7.28K | 14,619 |
| Timothy Meder EVP & Chief Credit Officer | Mar 24, 2026 | Tax withholding | −594 | $28.22 | $16.76K | 16,523 |
| Marianne McKinney EVP & Chief Operating Officer | Mar 24, 2026 | Tax withholding | −568 | $28.22 | $16.03K | 14,866 |
| Bradley J. Ringwald Bank President, Director | Mar 24, 2026 | Tax withholding | −987 | $28.22 | $27.85K | 38,272 |
| Timothy T. O'Dell CEO, Director | Feb 23, 2026 | Award | +12,750 | – | – | 302,871 |
| Thomas P. Ash Director | Feb 23, 2026 | Award | +5,000 | – | – | 52,419 |
| Kevin J. Beerman EVP & Chief Financial Officer | Feb 23, 2026 | Award | +8,500 | – | – | 33,817 |
| Edward W. Cochran Director | Feb 23, 2026 | Award | +3,500 | – | – | 353,413 |
| Timothy Meder EVP & Chief Credit Officer | Feb 23, 2026 | Award | +4,500 | – | – | 17,117 |
| James H. Frauenberg II Director | Feb 23, 2026 | Award | +3,500 | – | – | 117,930 |
| Robert E. Hoeweler Director | Feb 23, 2026 | Award | +5,500 | – | – | 77,562 |
| David L. Royer Director | Feb 23, 2026 | Award | +4,500 | – | – | 41,187 |
| Marianne McKinney EVP & Chief Operating Officer | Feb 23, 2026 | Award | +5,500 | – | – | 15,434 |
| Bradley J. Ringwald Bank President | Feb 23, 2026 | Award | +10,500 | – | – | 39,259 |
| Timothy T. O'Dell CEO, Director | Feb 23, 2026 | Award | +18,000 | – | – | 308,121 |
| Timothy Meder EVP & Chief Credit Officer | Jan 23, 2026 | Tax withholding | −291 | $28.66 | $8.34K | 12,617 |
| Marianne McKinney EVP & Chief Operating Officer | Jan 23, 2026 | Tax withholding | −349 | $28.66 | $10.00K | 9,934 |
| Bradley J. Ringwald Bank President | Jan 23, 2026 | Tax withholding | −640 | $28.66 | $18.34K | 28,759 |
| Bradley J. Ringwald Bank President | Dec 16, 2025 | Buy | +1,000 | $24.07 | $24.07K | 29,399 |
| Robert E. Hoeweler Director | Dec 15, 2025 | Buy | +1,000 | $23.87 | $23.87K | 72,062 |
| Kevin J. Beerman EVP & Chief Financial Officer | Dec 12, 2025 | Buy | +217 | $23.84 | $5.17K | 25,317 |
| James H. Frauenberg II Director | Dec 11, 2025 | Buy | +210 | $23.78 | $4.99K | 114,430 |
| Thomas P. Ash Director | Dec 4, 2025 | Buy | +200 | $23.91 | $4.78K | 47,419 |
| Timothy T. O'Dell CEO, Director | Aug 20, 2025 | Sale(10b5-1 plan) | −10,833 | $25.50 | $276.24K | 290,121 |
| Marianne McKinney EVP & Chief Operating Officer | Aug 18, 2025 | Sale | −1,700 | $24.54 | $41.72K | 10,283 |
| Timothy T. O'Dell CEO, Director | Aug 14, 2025 | Sale(10b5-1 plan) | −210 | $25.02 | $5.25K | 300,954 |
| Timothy T. O'Dell CEO, Director | Aug 14, 2025 | Sale | −210 | $25.02 | $5.25K | 300,954 |
| Timothy T. O'Dell CEO, Director | Aug 13, 2025 | Sale(10b5-1 plan) | −8,957 | $25.37 | $227.24K | 301,164 |
| Timothy T. O'Dell CEO, Director | Aug 13, 2025 | Sale | −8,957 | $25.37 | $227.24K | 301,164 |
| James H. Frauenberg II Director | Mar 24, 2025 | Award | +3,000 | – | – | 114,220 |
| Timothy Meder EVP & Chief Credit Officer | Mar 24, 2025 | Award | +5,000 | – | – | 12,908 |
| Kevin J. Beerman EVP & Chief Financial Officer | Mar 24, 2025 | Award | +8,000 | – | – | 25,100 |
| David L. Royer Director | Mar 24, 2025 | Award | +4,000 | – | – | 36,687 |
| Marianne McKinney EVP & Chief Operating Officer | Mar 24, 2025 | Award | +5,000 | – | – | 11,983 |
| Sundeep Rana Director | Mar 24, 2025 | Award | +2,675 | – | – | 8,898 |
| Timothy T. O'Dell CEO, Director | Mar 24, 2025 | Award | +17,500 | – | – | 310,121 |
| Robert E. Hoeweler Director | Mar 24, 2025 | Award | +5,000 | – | – | 71,062 |
| Bradley J. Ringwald Bank President | Mar 24, 2025 | Award | +10,000 | – | – | 28,399 |
| Thomas P. Ash Director | Mar 24, 2025 | Award | +4,000 | – | – | 47,219 |
| Edward W. Cochran Director | Mar 24, 2025 | Award | +3,000 | – | – | 349,913 |
| Thomas P. Ash Director | Mar 17, 2025 | Buy | +100 | $22.87 | $2.29K | 43,219 |
| Robert E. Hoeweler Director | Mar 11, 2025 | Buy | +1,000 | $21.80 | $21.80K | 66,062 |
| Robert E. Hoeweler Director | Mar 5, 2025 | Gift | −200 | – | – | 65,062 |
| Timothy Meder EVP & Chief Credit Officer | Feb 15, 2025 | Tax withholding | −96 | $24.99 | $2.40K | 7,908 |
| Marianne McKinney EVP & Chief Operating Officer | Feb 15, 2025 | Tax withholding | −261 | $24.99 | $6.52K | 6,983 |
| Bradley J. Ringwald Bank President | Feb 15, 2025 | Tax withholding | −732 | $24.99 | $18.29K | 18,399 |
| Timothy Meder EVP & Chief Credit Officer | Jan 25, 2025 | Tax withholding | −291 | $23.98 | $6.98K | 8,004 |
| Marianne McKinney EVP & Chief Operating Officer | Jan 25, 2025 | Tax withholding | −422 | $23.98 | $10.12K | 7,244 |
| Bradley J. Ringwald Bank President | Jan 25, 2025 | Tax withholding | −812 | $23.98 | $19.47K | 19,131 |
| Timothy T. O'Dell CEO, Director | Dec 16, 2024 | Sale | −20,522 | $26.54 | $544.65K | 292,621 |
| Timothy T. O'Dell CEO, Director | Dec 13, 2024 | Sale | −2,278 | $27.28 | $62.14K | 313,143 |
| Sundeep Rana Director | Nov 11, 2024 | Sale | −497 | $29.00 | $14.41K | 459 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Short interest
Shares sold short and not yet bought back, as of Oct 30, 2026 (FINRA, reported twice a month)
Short % of float
2.33%
0M shares short
Days to cover
2.8
At 0M shares a day
Change since last report
+18.0%
From 0M shares
Short volume, 20 days
29.9%
Of volume reported to FINRA
Shares sold short, last 12 months
Short sale volume counts trades marked short on any given day, including market-maker hedging, so it runs far higher than the share of CF Bankshares's stock actually held short. Settlement fails (shares not delivered on time) peaked at 167 shares on Aug 24, 2026 over the last 90 days.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Timothy T. O'Dell Officer, Director | Jun 13, 2025 | 20,000 | $477.20K | Jun 16, 2025 | Restricted Stock Vesting |
| Timothy T. O'Dell Officer, Director | Nov 14, 2024 | 22,800 | $637.94K | Nov 15, 2024 | Open Market Purchase |
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