vs
Side-by-side financial comparison of Bluerock Homes Trust, Inc. (BHM) and CF BANKSHARES INC. (CFBK). Click either name above to swap in a different company.
Bluerock Homes Trust, Inc. is the larger business by last-quarter revenue ($18.9M vs $15.7M, roughly 1.2× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -50.1%, a 90.2% gap on every dollar of revenue. On growth, Bluerock Homes Trust, Inc. posted the faster year-over-year revenue change (35.9% vs 12.6%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $10.4M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 13.7%).
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
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.
BHM vs CFBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $15.7M |
| Net Profit | $-9.5M | $5.7M |
| Gross Margin | — | — |
| Operating Margin | -48.8% | 43.4% |
| Net Margin | -50.1% | 40.0% |
| Revenue YoY | 35.9% | 12.6% |
| Net Profit YoY | -29.9% | 29.9% |
| EPS (diluted) | $-0.75 | $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 | $18.9M | $15.7M | ||
| Q3 25 | $16.6M | $15.5M | ||
| Q2 25 | $16.8M | $15.6M | ||
| Q1 25 | $16.4M | $14.1M | ||
| Q4 24 | $13.9M | $14.0M | ||
| Q3 24 | $12.7M | $13.1M | ||
| Q2 24 | $12.5M | $12.6M | ||
| Q1 24 | $11.2M | $12.2M |
| Q4 25 | $-9.5M | $5.7M | ||
| Q3 25 | $-10.0M | $2.3M | ||
| Q2 25 | $-5.8M | $5.0M | ||
| Q1 25 | $-7.3M | $4.4M | ||
| Q4 24 | $-7.3M | $4.4M | ||
| Q3 24 | $3.5M | $4.2M | ||
| Q2 24 | $-5.2M | $1.7M | ||
| Q1 24 | $-3.2M | $3.1M |
| Q4 25 | -48.8% | 43.4% | ||
| Q3 25 | -57.6% | 17.5% | ||
| Q2 25 | -30.9% | 41.1% | ||
| Q1 25 | -42.6% | 39.5% | ||
| Q4 24 | -52.8% | 36.9% | ||
| Q3 24 | 27.9% | 40.4% | ||
| Q2 24 | -41.3% | 15.4% | ||
| Q1 24 | -28.4% | 30.9% |
| Q4 25 | -50.1% | 40.0% | ||
| Q3 25 | -60.0% | 15.1% | ||
| Q2 25 | -34.7% | 32.3% | ||
| Q1 25 | -44.7% | 31.4% | ||
| Q4 24 | -52.8% | 35.2% | ||
| Q3 24 | 27.9% | 32.2% | ||
| Q2 24 | -41.3% | 13.5% | ||
| Q1 24 | -28.4% | 25.2% |
| Q4 25 | $-0.75 | $0.88 | ||
| Q3 25 | $-0.94 | $0.36 | ||
| Q2 25 | $-0.66 | $0.77 | ||
| Q1 25 | $-0.67 | $0.68 | ||
| Q4 24 | $-0.65 | $0.68 | ||
| Q3 24 | $0.24 | $0.65 | ||
| Q2 24 | $-0.42 | $0.26 | ||
| Q1 24 | $-0.27 | $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 | $169.6M | $259.0M |
| Total DebtLower is stronger | $428.4M | — |
| Stockholders' EquityBook value | $128.7M | $184.4M |
| Total Assets | $1.2B | $2.1B |
| Debt / EquityLower = less leverage | 3.33× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $169.6M | $259.0M | ||
| Q3 25 | $2.1M | $272.4M | ||
| Q2 25 | $4.2M | $275.7M | ||
| Q1 25 | $3.0M | $241.0M | ||
| Q4 24 | $115.2M | $235.3M | ||
| Q3 24 | $155.1M | $233.5M | ||
| Q2 24 | $116.0M | $241.8M | ||
| Q1 24 | $92.3M | $236.9M |
| Q4 25 | $428.4M | — | ||
| Q3 25 | $415.9M | — | ||
| Q2 25 | $338.6M | — | ||
| Q1 25 | $336.5M | — | ||
| Q4 24 | $373.8M | — | ||
| Q3 24 | $122.5M | — | ||
| Q2 24 | $119.7M | — | ||
| Q1 24 | $120.2M | — |
| Q4 25 | $128.7M | $184.4M | ||
| Q3 25 | $131.7M | $179.3M | ||
| Q2 25 | $135.3M | $177.0M | ||
| Q1 25 | $137.1M | $172.7M | ||
| Q4 24 | $139.1M | $168.4M | ||
| Q3 24 | $142.9M | $164.0M | ||
| Q2 24 | $142.5M | $159.6M | ||
| Q1 24 | $144.5M | $158.0M |
| Q4 25 | $1.2B | $2.1B | ||
| Q3 25 | $222.1M | $2.1B | ||
| Q2 25 | $220.3M | $2.1B | ||
| Q1 25 | $186.2M | $2.1B | ||
| Q4 24 | $967.0M | $2.1B | ||
| Q3 24 | $800.8M | $2.1B | ||
| Q2 24 | $756.2M | $2.0B | ||
| Q1 24 | $727.4M | $2.0B |
| Q4 25 | 3.33× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 2.45× | — | ||
| Q4 24 | 2.69× | — | ||
| Q3 24 | 0.86× | — | ||
| Q2 24 | 0.84× | — | ||
| Q1 24 | 0.83× | — |
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 | $27.8M | $18.7M |
| Free Cash FlowOCF − Capex | $10.4M | $18.2M |
| FCF MarginFCF / Revenue | 55.0% | 115.6% |
| Capex IntensityCapex / Revenue | 91.8% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 3.26× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $33.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.8M | $18.7M | ||
| Q3 25 | $13.4M | $5.5M | ||
| Q2 25 | $13.9M | $8.0M | ||
| Q1 25 | $951.0K | $2.2M | ||
| Q4 24 | $9.1M | $14.2M | ||
| Q3 24 | $1.7M | $-1.3M | ||
| Q2 24 | $1.3M | $4.0M | ||
| Q1 24 | $1.1M | $-1.2M |
| Q4 25 | $10.4M | $18.2M | ||
| Q3 25 | $8.7M | $5.2M | ||
| Q2 25 | $8.8M | $7.8M | ||
| Q1 25 | $-2.9M | $2.2M | ||
| Q4 24 | $-253.0K | $13.9M | ||
| Q3 24 | $-601.0K | $-1.3M | ||
| Q2 24 | $-654.0K | $4.0M | ||
| Q1 24 | $-630.0K | $-1.2M |
| Q4 25 | 55.0% | 115.6% | ||
| Q3 25 | 52.4% | 33.6% | ||
| Q2 25 | 52.2% | 50.3% | ||
| Q1 25 | -17.6% | 15.2% | ||
| Q4 24 | -1.8% | 99.6% | ||
| Q3 24 | -4.7% | -9.9% | ||
| Q2 24 | -5.2% | 31.6% | ||
| Q1 24 | -5.6% | -9.5% |
| Q4 25 | 91.8% | 3.1% | ||
| Q3 25 | 28.5% | 1.7% | ||
| Q2 25 | 30.3% | 0.7% | ||
| Q1 25 | 23.4% | 0.4% | ||
| Q4 24 | 66.9% | 1.9% | ||
| Q3 24 | 18.0% | 0.2% | ||
| Q2 24 | 15.3% | 0.1% | ||
| Q1 24 | 15.5% | 0.0% |
| Q4 25 | — | 3.26× | ||
| Q3 25 | — | 2.34× | ||
| Q2 25 | — | 1.58× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 3.21× | ||
| Q3 24 | 0.47× | -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
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
CFBK
Segment breakdown not available.
