STOCK TITAN

CF Bankshares (NASDAQ: CFBK) CEO reports 1,932-share tax withholding event

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

CF Bankshares Inc. CEO Timothy T. O'Dell reported a tax-related share disposition on common stock. On June 11, 1,932 shares of common stock were withheld at $30.25 per share to cover tax obligations, a non-market "F" code tax-withholding disposition. After this, he held 295,939 direct shares. Separately, indirect holdings reported in his spouse’s name totaled 5,454 shares, and 4,579 shares were held with O'Dell as custodian for a family member.

Positive

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Negative

  • None.
Insider O'Dell Timothy T
Role CEO
Type Security Shares Price Value
Tax Withholding Common Stock 12520L 109 1,932 $30.25 $58K
holding Common Stock 12520L 109 -- -- --
holding Common Stock 12520L 109 -- -- --
Holdings After Transaction: Common Stock 12520L 109 — 295,939 shares (Direct, null); Common Stock 12520L 109 — 4,579 shares (Indirect, Colleen O'Dell - Custodian for Sarah F. O'Dell)
Footnotes (1)
Tax-withheld shares 1,932 shares Common stock withheld for taxes at $30.25 on June 11
Withholding price $30.25 per share Price used for tax-withholding disposition of 1,932 shares
Direct holdings after transaction 295,939 shares Common stock directly held by Timothy O'Dell after tax withholding
Spouse indirect holdings 5,454 shares Common stock held in the name of Colleen O'Dell - Spouse
Custodian indirect holdings 4,579 shares Common stock held with O'Dell as custodian for Sarah F. O'Dell
tax-withholding disposition financial
"transaction_action": "tax-withholding disposition""
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
non-derivative financial
"transaction_type": "non-derivative""
indirect financial
"ownership_type": "indirect""
derivative financial
""derivativeSummary": []"
A derivative is a financial contract whose value depends on the price or performance of another asset or measure — for example a stock, index, interest rate, commodity, or currency. Investors use derivatives like insurance or leveraged bets to hedge risk, speculate, or gain exposure without owning the underlying asset; they can protect portfolios but also amplify losses and introduce counterparty and market risk.
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SEC Form 4
FORM 4UNITED 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 OHIO 43081

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
CF BANKSHARES INC. [ CFBK ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/11/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock 12520L 10906/11/2026F1,932D$30.25295,939D
Common Stock 12520L 1094,579IColleen O'Dell - Custodian for Sarah F. O'Dell
Common Stock 12520L 1095,454IColleen 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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
Timothy T. O'Dell06/15/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did CFBK CEO Timothy O'Dell report on this Form 4?

The filing reports a tax-withholding disposition of 1,932 shares of CF Bankshares common stock. These shares were withheld at $30.25 per share to satisfy tax obligations, rather than sold in the open market, and are coded as an "F" transaction.

How many CF Bankshares (CFBK) shares does Timothy O'Dell hold after this filing?

After the tax-withholding transaction, Timothy O'Dell directly holds 295,939 shares of CF Bankshares common stock. The Form 4 also shows indirect holdings through his spouse and as custodian for a family member, reported separately from his direct ownership position.

What does the F transaction code mean in the CFBK Form 4 filing?

The F code indicates shares used to pay an exercise price or tax liability by delivering securities. In this case, 1,932 CF Bankshares shares were withheld at $30.25 per share to cover taxes, and it is not treated as an open-market sale.

Are the indirect CF Bankshares (CFBK) holdings in Timothy O'Dell’s Form 4 market transactions?

The indirect entries showing 5,454 and 4,579 CF Bankshares shares are reported as holdings, not new trades. They reflect shares held through his spouse and as custodian for a family member, with no share amount listed as a new buy or sell.

How large was the tax-withholding event for CFBK CEO O'Dell?

The tax-withholding disposition involved 1,932 shares of CF Bankshares common stock at $30.25 per share. This single transaction reduced his direct share count to 295,939, and it was specifically recorded to satisfy tax obligations rather than discretionary trading.