[Form 4] CF Bankshares Inc. Insider Trading Activity

Rhea-AI Filing Summary

CF Bankshares Inc. (CFBK) Form 4 shows Timothy T. O'Dell, CEO and director, reported open-market sales on 08/13/2025 and 08/14/2025. The filings disclose 8,957 shares sold at $25.368 on 08/13/2025 and 210 shares sold at $25.0164 on 08/14/2025. After these sales Mr. O'Dell beneficially owned 300,954 shares directly and reported additional indirect holdings of 4,579 and 5,454 shares.

Positive

• None.

Negative

• Insider sales: CEO sold 8,957 shares on 08/13/2025 at $25.368 and 210 shares on 08/14/2025 at $25.0164
• Reduced direct ownership: Direct beneficial ownership reported after transactions was 300,954 shares

Insights

Corporate Governance Expert

TL;DR: CEO sold a portion of direct holdings across two days; remaining direct and indirect ownership remains disclosed.

Timothy T. O'Dell executed two small open-market dispositions totaling 9,167 shares across 08/13/2025 and 08/14/2025 at prices near $25. These are reported as direct sales and do not include any disclosed derivative transactions. The filing documents continued indirect holdings through a custodian and spouse. No amendments or 10b5-1 plan checkbox is indicated in the content.

Securities Analyst

TL;DR: Insider sales were modest in size and fully reported; no additional financial metrics provided.

The reported sales reduce the CEO's direct stake from the pre-sale level to 300,954 shares. Prices reported are $25.368 and $25.0164. There is no information in this filing about proceeds use, trading plan, or impact on outstanding shares, so market impact cannot be assessed from this document alone.

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).

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)

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:

	Timothy T. O'Dell	08/15/2025
	** 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 transactions did Timothy T. O'Dell report on Form 4 for CFBK?

He reported two open-market sales: 8,957 shares sold on 08/13/2025 at $25.368 and 210 shares sold on 08/14/2025 at $25.0164.

What is Timothy T. O'Dell's direct beneficial ownership after the reported trades?

Direct ownership reported: 300,954 shares following the transactions.

Are there any derivative or option transactions reported in this Form 4?

No derivative transactions are reported: Table II lists no derivative securities acquired or disposed of.

Does the filing indicate a 10b5-1 trading plan or amendment?

No 10b5-1 plan or amendment is indicated in the provided content.

Does the filing disclose indirect holdings and their nature?

Yes: Indirect holdings include 4,579 shares held by Colleen O'Dell as custodian for Sarah F. O'Dell and 5,454 shares held by Colleen O'Dell as spouse.