CFBK CF BANKSHARES INC. Insider Trading

Director Frauenberg buys 210 CFBK shares at $23.78; stock up 13.9% in 30d; 4 other insiders also bought in past 14 days

Director James H II Frauenberg purchased 210 shares of CF BANKSHARES INC. at $23.78 on 2025-12-11, increasing his holdings to 114,430 shares. The timing is noteworthy: CFBK has gained 13.9% over the past 30 days and is trading at $25.95, near its 52-week high of $27.26. Frauenberg's prior buy at this ticker on 2024-05-22 yielded a 90-day return of 13.3%, consistent with his cross-ticker track record of 100% win rate and avg 90d return of 13.3%. The transaction occurs as part of a broader cluster pattern: 4 other insiders also bought within the past 14 days, suggesting coordinated sentiment across the insider group. At a P/E of 8.51 and market cap of $138.0M, the company trades at a valuation multiple well below typical market averages.

Bank President Ringwald buys 1,000 shares at $24.07; 4 other insiders also bought within 14 days at CFBK

Ringwald Bradley J, Bank President at CF BANKSHARES INC., purchased 1,000 shares at $24.07, bringing his total holdings to 29,399 shares. This purchase is noteworthy because it occurs as part of a cluster pattern: 4 other insiders also bought shares within the past 14 days. The stock trades at $24.36 currently, down 12.5% from its 52-week high of $27.84, while the company trades at a P/E of 7.99 and has a market cap of $129.5M. The synchronized buying by multiple insiders suggests internal management views current valuations as attractive, particularly given the recent price weakness relative to the 52-week range.

Director Robert E. Hoeweler bought 1,000 shares of CFBK at $23.87 on 2025-12-15; cluster of 4 other insiders also bought within 14 days.

Director Robert E. Hoeweler purchased 1,000 shares at $23.87, bringing his holdings to 72.1K shares. This transaction occurs within a cluster pattern: 4 other insiders also bought CFBK within the past 14 days, suggesting coordinated interest in the stock near its current price of $24.36. The stock is trading -12.5% from its 52-week high of $27.84 and has risen +7.1% over the past 30 days. At a P/E of 7.99 and market cap of $129.5M, CFBK is a small-cap financial company. While Hoeweler's prior buy at this ticker in March 2025 showed a 90d return of +9.3%, the broader insider activity suggests the board sees value at current levels, though the small transaction size and company scale warrant deeper scrutiny of fundamentals and intent.

CFO Kevin J Beerman buys 217 CFBK shares at $23.84; cluster pattern with 2 other insiders buying within 14 days

CFO Kevin J Beerman purchased 217 shares of CF BANKSHARES INC. at $23.84 on 2025-12-12, increasing his holdings by 0.9% to 25,317 shares total. The transaction occurred in a context where the stock is down 17.0% from its 52-week high of $28.66 but up 5.5% over the past 30 days. Most notably, this buy is part of a cluster pattern with 2 other insiders also purchasing within the past 14 days, suggesting coordinated appetite among company leadership despite modest position sizing. The company trades at a P/E of 7.80 with a market cap of $126,534,437.40 and recently reported net income of $2,340,000.00, though the modest transaction size ($5,172.78) limits the signal strength of any individual insider's conviction.

Director Ash Thomas P buys 200 CFBK shares at $23.91; prior 3 trades at ticker all showed positive 90d returns.

Ash Thomas P purchased 200 shares at $23.91 on 2025-12-04, a discretionary open-market transaction that raises his holdings to 47,419 shares from 47,219 shares. His track record at CFBK shows a consistent pattern: all 3 prior purchases at this ticker delivered positive 90-day returns (ranging from +3.8% to +21.9%), indicating historically reliable timing on buys. The current price of $23.75 is down 18.8% from the 52-week high of $29.24 but up 4.0% over the past 30 days, suggesting recent stabilization. CFBK trades at a P/E of 7.79 with a market cap of $126,268,608.75, metrics that warrant independent valuation scrutiny. The accumulation of an additional 200 shares, combined with prior buy accuracy at this ticker, marks a repeat pattern worth monitoring through the 90-day window.

Director Ash Thomas P purchases 100 CFBK shares at $22.87; stock now at $22.10, -25.2% from 52-week high. Prior buys at CFBK both showed +13%+ 90-day gains.

Ash Thomas P, as director, purchased 100 shares of CF Bankshares on 2025-03-17 at $22.87, adding to existing holdings of 43,219 shares post-transaction. The current price of $22.10 reflects a 30-day decline of -11.6% and 90-day decline of -8.2%, with the stock trading -25.2% below its 52-week high of $29.55. Notably, his prior two purchases at CFBK (2024-05-15 and 2023-11-22) both demonstrated positive 90-day returns of +4.2% and +9.8% respectively, establishing a pattern of well-timed entry points at this ticker. The company's valuation remains modest with a P/E of 12.14 and market cap of $117,496,263.30, though the recent price pressure warrants observation of whether this purchase aligns with or diverges from his prior successful entry pattern at CFBK.

Director HOEWELER ROBERT E bought 1,000 shares of CFBK at $21.80 on 2025-03-11; stock now -26.7% from 52-week high.

Director HOEWELER ROBERT E purchased 1,000 shares at $21.80 on 2025-03-11, increasing his holdings from 65,062 to 66,062 shares. The purchase occurred as the stock trades at $21.67, approximately 26.7% below its 52-week high of $29.55 and down 20.2% over the past 90 days. While the company maintains a moderate P/E of 8.74 with $4.2M in recent net income, the timing and modest size of this transaction—adding just 1.5% to existing holdings—do not provide clear insight into management's conviction about near-term prospects. The continued decline since purchase suggests the director's entry point has not yet been validated by market recovery.

CEO O'Dell sells 22,800 CFBK shares (7.2% of holdings) for $606.8K across two transactions

On December 13 and 16, 2024, CEO Timothy T O'Dell executed two separate sales totaling 22,800 shares for $606,829.65, reducing his holdings from 315,421 to 292,621 shares. The blended average sale price of $26.62 sits slightly below the current price of $26.96, and both sale prices occurred within the 52-week range of $16.28–$29.55, a period during which the stock has climbed 23.5% over the prior 90 days. Examined against O'Dell's prior trades at CFBK, his three most recent buys (May and September 2024) demonstrated positive 90-day returns of +13.4%, +14.6%, and +12.8%, establishing a pattern of well-timed entry points; his one earlier buy (September 2023) returned -0.9% at the 90-day mark. The CEO's cross-ticker track record shows 4 prior buys with a 75% win rate at 90 days and a +10.0% average 90-day return. This sale, at a near-52-week-high price point, marks a material shift from the accumulation pattern evident in his May 2024 activity.