[8-K] CF Bankshares Inc. Reports Material Event

Rhea-AI Filing Summary

Bloomin' Brands filed an 8-K to disclose several senior leadership changes effective 4 Aug 2025. Eric Christel, previously CFO of Campbell’s Snacks Division, has been appointed EVP & CFO-Elect; he will take over as full CFO on or about 8 Sep 2025 after a transition with current CFO W. Michael Healy. Christel’s compensation package includes a $600k base salary, 85 % target bonus, $415k RSU grant and $250k relocation cash.

Healy will move into the newly created role of EVP, Strategy & Transformation, focusing on long-term planning and value-creation initiatives. Separately, Mark Graff, EVP & President of Bonefish Grill, will leave the company on 1 Nov 2025 and receive severance pursuant to existing policy. The company states Graff’s departure is not due to any disagreement. No financial results or guidance were provided; the filing is limited to organizational matters and includes a press release as Exhibit 99.1.

Positive

• Experienced CFO hire: Eric Christel brings 18 years of big-brand F&B financial leadership, potentially strengthening fiscal discipline.
• Continuity preserved: Outgoing CFO Healy remains with the firm as EVP, Strategy & Transformation, mitigating transition risk.

Negative

• Key brand leadership loss: Departure of Bonefish Grill president Mark Graff could disrupt performance of that concept.
• No financial outlook provided: Filing lacks revenue, margin or guidance updates, offering limited insight for near-term valuation.

Insights

Equity Analyst

TL;DR – Leadership reshuffle; net neutral, with potential upside from experienced new CFO.

The appointment of Eric Christel adds nearly two decades of branded food experience that could strengthen BLMN’s capital allocation and margin initiatives. Retaining outgoing CFO Healy in a strategy role preserves institutional knowledge and signals continuity. However, the unexpected departure of Bonefish Grill’s president creates execution risk at that concept, which represented roughly 7 % of FY-24 sales (per prior 10-K). Since no financial guidance changed and the moves appear orderly, the event is best viewed as strategically positive but not immediately valuation-moving.

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

FORM 8-K

CURRENT REPORT

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

Date of Report (Date of earliest event reported): August 04, 2025

CF BANKSHARES INC.

(Exact name of Registrant as Specified in Its Charter)

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

Registrant’s Telephone Number, Including Area Code: (614) 334-7979

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

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:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
(Voting) Common Stock, $.01 par value		CFBK		The Nasdaq Global Market

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. ☐

Item 2.02. Results of Operations and Financial Condition.

On August 4, 2025, CF Bankshares Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2025 (the “Earnings Release”). A copy of the Earnings Release is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein.

Item 9.01. Financial Statements and Exhibits.

(a)Not applicable

(b)Not applicable

(c)Not applicable

(d)Exhibits

99.1		Earnings Release issued by the Company on August 4, 2025, announcing financial results for the second quarter ended June 30, 2025.
104		Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).

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.

			CF Bankshares Inc.
Date: August 4, 2025		By:	/s/ Kevin J. Beerman
			Kevin J. Beerman
			Executive Vice President and Chief Financial Officer

FAQ

What leadership changes did Bloomin' Brands (BLMN) announce on 4 Aug 2025?

Eric Christel named EVP & CFO-Elect; W. Michael Healy moves to EVP, Strategy & Transformation; Mark Graff will exit on 1 Nov 2025.

When will Eric Christel officially become CFO of BLMN?

He is expected to assume full CFO duties on or about 8 Sep 2025 after a short transition.

What is the compensation package for the new CFO?

Base salary $600,000, target bonus 85 % of salary, RSUs worth $415,000, plus a $250,000 relocation allowance.

Why is Bonefish Grill president Mark Graff leaving?

The filing cites no disagreement with the company; he will receive severance per existing executive policy.

Did Bloomin' Brands update financial guidance in this 8-K?

No. The report is limited to leadership changes and contains no new earnings or revenue figures.