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Side-by-side financial comparison of BGSF, INC. (BGSF) and CF BANKSHARES INC. (CFBK). Click either name above to swap in a different company.
BGSF, INC. is the larger business by last-quarter revenue ($22.0M vs $15.7M, roughly 1.4× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -5.3%, a 45.3% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -9.4%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $1.7M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -5.3%).
BGSF Inc. is a leading U.S.-headquartered workforce solutions firm that provides tailored staffing, talent recruitment, and end-to-end workforce management services. It serves core segments including information technology, healthcare, professional administration, light industrial, and creative industries, catering to small, mid-sized and large enterprise clients across North America.
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.
BGSF vs CFBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.0M | $15.7M |
| Net Profit | $-1.2M | $5.7M |
| Gross Margin | 35.0% | — |
| Operating Margin | -17.6% | 43.4% |
| Net Margin | -5.3% | 40.0% |
| Revenue YoY | -9.4% | 12.6% |
| Net Profit YoY | -18.2% | 29.9% |
| EPS (diluted) | $-0.12 | $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 | $22.0M | $15.7M | ||
| Q3 25 | $26.9M | $15.5M | ||
| Q2 25 | $23.5M | $15.6M | ||
| Q1 25 | $20.9M | $14.1M | ||
| Q4 24 | $24.3M | $14.0M | ||
| Q3 24 | $29.8M | $13.1M | ||
| Q2 24 | $25.7M | $12.6M | ||
| Q1 24 | $24.5M | $12.2M |
| Q4 25 | $-1.2M | $5.7M | ||
| Q3 25 | $-5.8M | $2.3M | ||
| Q2 25 | $-3.7M | $5.0M | ||
| Q1 25 | $-722.0K | $4.4M | ||
| Q4 24 | $-981.0K | $4.4M | ||
| Q3 24 | $-804.0K | $4.2M | ||
| Q2 24 | $-761.0K | $1.7M | ||
| Q1 24 | $-792.0K | $3.1M |
| Q4 25 | 35.0% | — | ||
| Q3 25 | 35.9% | — | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 36.2% | — | ||
| Q4 24 | 35.9% | — | ||
| Q3 24 | 35.9% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 38.1% | — |
| Q4 25 | -17.6% | 43.4% | ||
| Q3 25 | -3.5% | 17.5% | ||
| Q2 25 | -18.8% | 41.1% | ||
| Q1 25 | 1.6% | 39.5% | ||
| Q4 24 | -15.7% | 36.9% | ||
| Q3 24 | -3.4% | 40.4% | ||
| Q2 24 | -5.7% | 15.4% | ||
| Q1 24 | 1.7% | 30.9% |
| Q4 25 | -5.3% | 40.0% | ||
| Q3 25 | -21.6% | 15.1% | ||
| Q2 25 | -15.9% | 32.3% | ||
| Q1 25 | -3.5% | 31.4% | ||
| Q4 24 | -4.0% | 35.2% | ||
| Q3 24 | -2.7% | 32.2% | ||
| Q2 24 | -3.0% | 13.5% | ||
| Q1 24 | -3.2% | 25.2% |
| Q4 25 | $-0.12 | $0.88 | ||
| Q3 25 | $-0.52 | $0.36 | ||
| Q2 25 | $-0.34 | $0.77 | ||
| Q1 25 | $-0.06 | $0.68 | ||
| Q4 24 | — | $0.68 | ||
| Q3 24 | $-0.07 | $0.65 | ||
| Q2 24 | $-0.07 | $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 | — | $259.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $48.1M | $184.4M |
| Total Assets | $57.8M | $2.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $259.0M | ||
| Q3 25 | $41.2M | $272.4M | ||
| Q2 25 | $2.8M | $275.7M | ||
| Q1 25 | $2.0M | $241.0M | ||
| Q4 24 | $32.0K | $235.3M | ||
| Q3 24 | $262 | $233.5M | ||
| Q2 24 | $226 | $241.8M | ||
| Q1 24 | $50 | $236.9M |
| Q4 25 | $48.1M | $184.4M | ||
| Q3 25 | $50.7M | $179.3M | ||
| Q2 25 | $78.3M | $177.0M | ||
| Q1 25 | $81.8M | $172.7M | ||
| Q4 24 | $82.3M | $168.4M | ||
| Q3 24 | $82.9M | $164.0M | ||
| Q2 24 | $83.2M | $159.6M | ||
| Q1 24 | $83.6M | $158.0M |
| Q4 25 | $57.8M | $2.1B | ||
| Q3 25 | $83.6M | $2.1B | ||
| Q2 25 | $149.7M | $2.1B | ||
| Q1 25 | $152.3M | $2.1B | ||
| Q4 24 | $150.1M | $2.1B | ||
| Q3 24 | $157.3K | $2.1B | ||
| Q2 24 | $159.8K | $2.0B | ||
| Q1 24 | $170.6K | $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 | $1.7M | $18.7M |
| Free Cash FlowOCF − Capex | $1.7M | $18.2M |
| FCF MarginFCF / Revenue | 7.6% | 115.6% |
| Capex IntensityCapex / Revenue | 0.1% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 3.26× |
| TTM Free Cash FlowTrailing 4 quarters | $-16.0K | $33.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $18.7M | ||
| Q3 25 | $-4.8M | $5.5M | ||
| Q2 25 | $2.2M | $8.0M | ||
| Q1 25 | $1.1M | $2.2M | ||
| Q4 24 | $3.2M | $14.2M | ||
| Q3 24 | $6.5M | $-1.3M | ||
| Q2 24 | $7.3M | $4.0M | ||
| Q1 24 | $7.4M | $-1.2M |
| Q4 25 | $1.7M | $18.2M | ||
| Q3 25 | $-4.9M | $5.2M | ||
| Q2 25 | $2.1M | $7.8M | ||
| Q1 25 | $1.0M | $2.2M | ||
| Q4 24 | $2.5M | $13.9M | ||
| Q3 24 | $6.5M | $-1.3M | ||
| Q2 24 | $7.3M | $4.0M | ||
| Q1 24 | $6.9M | $-1.2M |
| Q4 25 | 7.6% | 115.6% | ||
| Q3 25 | -18.1% | 33.6% | ||
| Q2 25 | 9.1% | 50.3% | ||
| Q1 25 | 5.0% | 15.2% | ||
| Q4 24 | 10.2% | 99.6% | ||
| Q3 24 | 21.7% | -9.9% | ||
| Q2 24 | 28.5% | 31.6% | ||
| Q1 24 | 28.1% | -9.5% |
| Q4 25 | 0.1% | 3.1% | ||
| Q3 25 | 0.4% | 1.7% | ||
| Q2 25 | 0.0% | 0.7% | ||
| Q1 25 | 0.1% | 0.4% | ||
| Q4 24 | 3.0% | 1.9% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 2.0% | 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
BGSF
| Contract Field Talent | $21.4M | 97% |
| Other | $595.0K | 3% |
CFBK
Segment breakdown not available.
