[Form 4/A] CF Bankshares Inc. Amended Insider Trading Activity

Rhea-AI Filing Summary

Timothy T. O'Dell, CEO and Director of CF Bankshares Inc. (CFBK), reported amended Form 4 transactions showing two open-market sales under a 10b5-1 plan. On 08/13/2025 he sold 8,957 shares at $25.368, reducing his direct holdings to 301,164 shares. On 08/14/2025 he sold 210 shares at $25.0164, leaving 300,954 shares directly owned. The filing also discloses indirect holdings of 4,579 shares held by Colleen O'Dell as custodian for Sarah F. O'Dell and 5,454 shares held indirectly by Colleen O'Dell as spouse. The sales are noted as part of a 10b5-1(c) plan adopted 03/17/2025. The Form was amended and signed on 08/22/2025.

Insights

Financial Analyst

TL;DR: CEO sold ~9,167 shares via a pre-established 10b5-1 plan; changes to direct ownership are modest relative to total holdings.

The reported transactions show two small open-market sales executed under a pre-established 10b5-1(c) trading plan adopted on 03/17/2025. Aggregate shares sold across both dates total 9,167 at prices of $25.368 and $25.0164, leaving direct ownership near 301k shares. These disclosures are routine for executive liquidity and, standing alone, do not provide evidence of material corporate change or performance impact. Investors should note the sales method (10b5-1) indicates the trades were pre-planned and not necessarily reactive to nonpublic information.

Corporate Governance Expert

TL;DR: Insider sales occurred under a 10b5-1 plan, representing standard governance-compliant transactions.

The amendment clarifies timing and quantities of insider sales by the CEO who is also a director. Use of a 10b5-1(c) plan adopted 03/17/2025 demonstrates adherence to an affirmative defense framework for planned trades. The filing lists both direct and indirect beneficial ownership components, including custodial and spousal holdings, which aligns with disclosure expectations. No departures, grants, option exercises, or material changes to control are reported.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

O'Dell Timothy T

(Last) (First) (Middle)

4960 E. DUBLIN GRANVILLE RD

SUITE #400

(Street)

COLUMBUS OH 43081

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CF BANKSHARES INC. [ CFBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CEO

3. Date of Earliest Transaction (Month/Day/Year)
08/13/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)
08/15/2025

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock 12520L 109	08/13/2025		S		8,957	D	$25.368	301,164	D
Common Stock 12520L 109	08/14/2025		S		210	D	$25.0164	300,954	D
Common Stock 12520L 109								4,579	I	Colleen O'Dell - Custodian for Sarah F. O'Dell
Common Stock 12520L 109								5,454	I	Colleen O'Dell - Spouse

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Both sale transactions are part of a 10b5-1(c) plan adopted 3/17/2025.

	Timothy T. O'Dell	08/22/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions were reported for CFBK on this Form 4/A?

Two sales by Timothy T. O'Dell: 8,957 shares sold on 08/13/2025 at $25.368 and 210 shares sold on 08/14/2025 at $25.0164.

Were the sales part of a trading plan for CFBK insider Timothy O'Dell?

Yes. Both sale transactions are disclosed as part of a 10b5-1(c) plan adopted on 03/17/2025.

How many shares does Timothy O'Dell beneficially own after these transactions?

Direct ownership is reported as 301,164 shares after the 08/13 sale and 300,954 shares after the 08/14 sale.

Does the Form 4/A disclose any indirect holdings for the reporting person?

Yes. It reports 4,579 shares held by Colleen O'Dell as custodian for Sarah F. O'Dell and 5,454 shares held indirectly by Colleen O'Dell as spouse.

When was the Form 4/A signed by the reporting person?

Signed by Timothy T. O'Dell on 08/22/2025.