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Side-by-side financial comparison of Aterian, Inc. (ATER) and CF BANKSHARES INC. (CFBK). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $15.1M, roughly 1.0× Aterian, Inc.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -52.5%, a 92.6% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -38.5%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-1.0M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -13.5%).
Aterian, Inc. is a technology-enabled consumer products company that leverages artificial intelligence and data analytics to identify market demand, develop, source and distribute a wide portfolio of affordable goods spanning home improvement, wellness, personal care, pet supplies and outdoor recreation. It primarily sells its products through leading global e-commerce platforms, with core markets covering North America and Europe.
CF Bankshares Inc. is a U.S.-based regional bank holding company operating through its community bank subsidiary. It offers a full suite of personal and commercial banking solutions including deposit products, various loan options, wealth management services and digital banking tools, primarily serving individual consumers and small-to-medium business clients across the U.S. Midwest region.
ATER vs CFBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.1M | $15.7M |
| Net Profit | $-7.9M | $5.7M |
| Gross Margin | 56.1% | — |
| Operating Margin | -51.1% | 43.4% |
| Net Margin | -52.5% | 40.0% |
| Revenue YoY | -38.5% | 12.6% |
| Net Profit YoY | -512.2% | 29.9% |
| EPS (diluted) | — | $0.88 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $15.1M | $15.7M | ||
| Q3 25 | $19.0M | $15.5M | ||
| Q2 25 | $19.5M | $15.6M | ||
| Q1 25 | $15.4M | $14.1M | ||
| Q4 24 | $24.6M | $14.0M | ||
| Q3 24 | $26.2M | $13.1M | ||
| Q2 24 | $28.0M | $12.6M | ||
| Q1 24 | $20.2M | $12.2M |
| Q4 25 | $-7.9M | $5.7M | ||
| Q3 25 | $-2.3M | $2.3M | ||
| Q2 25 | $-4.9M | $5.0M | ||
| Q1 25 | $-3.9M | $4.4M | ||
| Q4 24 | $-1.3M | $4.4M | ||
| Q3 24 | $-1.8M | $4.2M | ||
| Q2 24 | $-3.6M | $1.7M | ||
| Q1 24 | $-5.2M | $3.1M |
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.1% | — | ||
| Q2 25 | 54.3% | — | ||
| Q1 25 | 61.4% | — | ||
| Q4 24 | 63.4% | — | ||
| Q3 24 | 60.3% | — | ||
| Q2 24 | 60.4% | — | ||
| Q1 24 | 65.1% | — |
| Q4 25 | -51.1% | 43.4% | ||
| Q3 25 | -10.7% | 17.5% | ||
| Q2 25 | -23.1% | 41.1% | ||
| Q1 25 | -24.1% | 39.5% | ||
| Q4 24 | -6.5% | 36.9% | ||
| Q3 24 | -6.6% | 40.4% | ||
| Q2 24 | -11.5% | 15.4% | ||
| Q1 24 | -26.1% | 30.9% |
| Q4 25 | -52.5% | 40.0% | ||
| Q3 25 | -12.0% | 15.1% | ||
| Q2 25 | -25.0% | 32.3% | ||
| Q1 25 | -25.4% | 31.4% | ||
| Q4 24 | -5.3% | 35.2% | ||
| Q3 24 | -6.8% | 32.2% | ||
| Q2 24 | -13.0% | 13.5% | ||
| Q1 24 | -25.5% | 25.2% |
| Q4 25 | — | $0.88 | ||
| Q3 25 | — | $0.36 | ||
| Q2 25 | — | $0.77 | ||
| Q1 25 | — | $0.68 | ||
| Q4 24 | — | $0.68 | ||
| Q3 24 | — | $0.65 | ||
| Q2 24 | — | $0.26 | ||
| Q1 24 | — | $0.47 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.9M | $259.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $15.2M | $184.4M |
| Total Assets | $29.6M | $2.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $259.0M | ||
| Q3 25 | $7.6M | $272.4M | ||
| Q2 25 | $10.5M | $275.7M | ||
| Q1 25 | $14.3M | $241.0M | ||
| Q4 24 | $18.0M | $235.3M | ||
| Q3 24 | $16.1M | $233.5M | ||
| Q2 24 | $20.3M | $241.8M | ||
| Q1 24 | $17.5M | $236.9M |
| Q4 25 | $15.2M | $184.4M | ||
| Q3 25 | $22.6M | $179.3M | ||
| Q2 25 | $24.3M | $177.0M | ||
| Q1 25 | $27.0M | $172.7M | ||
| Q4 24 | $30.0M | $168.4M | ||
| Q3 24 | $30.6M | $164.0M | ||
| Q2 24 | $30.9M | $159.6M | ||
| Q1 24 | $33.0M | $158.0M |
| Q4 25 | $29.6M | $2.1B | ||
| Q3 25 | $40.1M | $2.1B | ||
| Q2 25 | $45.4M | $2.1B | ||
| Q1 25 | $49.8M | $2.1B | ||
| Q4 24 | $49.5M | $2.1B | ||
| Q3 24 | $52.1M | $2.1B | ||
| Q2 24 | $59.9M | $2.0B | ||
| Q1 24 | $55.7M | $2.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-1.0M | $18.7M |
| Free Cash FlowOCF − Capex | $-1.0M | $18.2M |
| FCF MarginFCF / Revenue | -6.9% | 115.6% |
| Capex IntensityCapex / Revenue | 0.0% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 3.26× |
| TTM Free Cash FlowTrailing 4 quarters | — | $33.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.0M | $18.7M | ||
| Q3 25 | $-1.6M | $5.5M | ||
| Q2 25 | $-4.4M | $8.0M | ||
| Q1 25 | $-3.9M | $2.2M | ||
| Q4 24 | $-9.0K | $14.2M | ||
| Q3 24 | $-722.0K | $-1.3M | ||
| Q2 24 | $2.9M | $4.0M | ||
| Q1 24 | $-6.0K | $-1.2M |
| Q4 25 | $-1.0M | $18.2M | ||
| Q3 25 | $-1.6M | $5.2M | ||
| Q2 25 | $-4.4M | $7.8M | ||
| Q1 25 | — | $2.2M | ||
| Q4 24 | — | $13.9M | ||
| Q3 24 | — | $-1.3M | ||
| Q2 24 | $2.9M | $4.0M | ||
| Q1 24 | $-42.0K | $-1.2M |
| Q4 25 | -6.9% | 115.6% | ||
| Q3 25 | -8.4% | 33.6% | ||
| Q2 25 | -22.7% | 50.3% | ||
| Q1 25 | — | 15.2% | ||
| Q4 24 | — | 99.6% | ||
| Q3 24 | — | -9.9% | ||
| Q2 24 | 10.3% | 31.6% | ||
| Q1 24 | -0.2% | -9.5% |
| Q4 25 | 0.0% | 3.1% | ||
| Q3 25 | 0.2% | 1.7% | ||
| Q2 25 | 0.0% | 0.7% | ||
| Q1 25 | 0.0% | 0.4% | ||
| Q4 24 | 0.0% | 1.9% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 0.2% | 0.0% |
| Q4 25 | — | 3.26× | ||
| Q3 25 | — | 2.34× | ||
| Q2 25 | — | 1.58× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 3.21× | ||
| Q3 24 | — | -0.30× | ||
| Q2 24 | — | 2.35× | ||
| Q1 24 | — | -0.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ATER
| Sales Channel Directly To Consumer | $13.1M | 87% |
| Heating Cooling And Air Quality | $2.1M | 14% |
CFBK
Segment breakdown not available.
