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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and CSP INC (CSPI). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $12.0M, roughly 1.3× CSP INC). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 0.8%, a 39.3% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -23.2%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-3.0M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -6.3%).
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.
CSP Inc. is a U.S.-based technology firm offering cybersecurity solutions, managed IT services, high-performance computing systems, and IT consulting support. It serves enterprises across healthcare, finance, manufacturing, and public sectors in North America and select global markets.
CFBK vs CSPI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $12.0M |
| Net Profit | $5.7M | $91.0K |
| Gross Margin | — | 39.3% |
| Operating Margin | 43.4% | -0.9% |
| Net Margin | 40.0% | 0.8% |
| Revenue YoY | 12.6% | -23.2% |
| Net Profit YoY | 29.9% | -80.7% |
| EPS (diluted) | $0.88 | $0.01 |
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 | $15.7M | $12.0M | ||
| Q3 25 | $15.5M | $14.5M | ||
| Q2 25 | $15.6M | $15.4M | ||
| Q1 25 | $14.1M | $13.1M | ||
| Q4 24 | $14.0M | $15.7M | ||
| Q3 24 | $13.1M | $13.0M | ||
| Q2 24 | $12.6M | $13.1M | ||
| Q1 24 | $12.2M | $13.7M |
| Q4 25 | $5.7M | $91.0K | ||
| Q3 25 | $2.3M | $-191.0K | ||
| Q2 25 | $5.0M | $-264.0K | ||
| Q1 25 | $4.4M | $-108.0K | ||
| Q4 24 | $4.4M | $472.0K | ||
| Q3 24 | $4.2M | $-1.7M | ||
| Q2 24 | $1.7M | $-185.0K | ||
| Q1 24 | $3.1M | $1.6M |
| Q4 25 | — | 39.3% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | 32.0% | ||
| Q4 24 | — | 29.1% | ||
| Q3 24 | — | 28.4% | ||
| Q2 24 | — | 35.0% | ||
| Q1 24 | — | 47.3% |
| Q4 25 | 43.4% | -0.9% | ||
| Q3 25 | 17.5% | -3.7% | ||
| Q2 25 | 41.1% | -7.9% | ||
| Q1 25 | 39.5% | -7.6% | ||
| Q4 24 | 36.9% | -2.3% | ||
| Q3 24 | 40.4% | -15.7% | ||
| Q2 24 | 15.4% | -5.5% | ||
| Q1 24 | 30.9% | 9.0% |
| Q4 25 | 40.0% | 0.8% | ||
| Q3 25 | 15.1% | -1.3% | ||
| Q2 25 | 32.3% | -1.7% | ||
| Q1 25 | 31.4% | -0.8% | ||
| Q4 24 | 35.2% | 3.0% | ||
| Q3 24 | 32.2% | -12.7% | ||
| Q2 24 | 13.5% | -1.4% | ||
| Q1 24 | 25.2% | 11.6% |
| Q4 25 | $0.88 | $0.01 | ||
| Q3 25 | $0.36 | $-0.02 | ||
| Q2 25 | $0.77 | $-0.03 | ||
| Q1 25 | $0.68 | $-0.01 | ||
| Q4 24 | $0.68 | $0.05 | ||
| Q3 24 | $0.65 | $-0.17 | ||
| Q2 24 | $0.26 | $-0.02 | ||
| Q1 24 | $0.47 | $0.16 |
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 | $24.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $44.8M |
| Total Assets | $2.1B | $69.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $24.9M | ||
| Q3 25 | $272.4M | $27.4M | ||
| Q2 25 | $275.7M | $26.3M | ||
| Q1 25 | $241.0M | $29.5M | ||
| Q4 24 | $235.3M | $30.7M | ||
| Q3 24 | $233.5M | $30.6M | ||
| Q2 24 | $241.8M | $28.9M | ||
| Q1 24 | $236.9M | $27.1M |
| Q4 25 | $184.4M | $44.8M | ||
| Q3 25 | $179.3M | $44.6M | ||
| Q2 25 | $177.0M | $47.5M | ||
| Q1 25 | $172.7M | $47.5M | ||
| Q4 24 | $168.4M | $47.5M | ||
| Q3 24 | $164.0M | $47.3M | ||
| Q2 24 | $159.6M | $48.1M | ||
| Q1 24 | $158.0M | $48.2M |
| Q4 25 | $2.1B | $69.2M | ||
| Q3 25 | $2.1B | $71.2M | ||
| Q2 25 | $2.1B | $66.8M | ||
| Q1 25 | $2.1B | $67.1M | ||
| Q4 24 | $2.1B | $67.5M | ||
| Q3 24 | $2.1B | $69.4M | ||
| Q2 24 | $2.0B | $66.8M | ||
| Q1 24 | $2.0B | $64.2M |
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 | $18.7M | $-2.9M |
| Free Cash FlowOCF − Capex | $18.2M | $-3.0M |
| FCF MarginFCF / Revenue | 115.6% | -25.1% |
| Capex IntensityCapex / Revenue | 3.1% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.26× | -32.04× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-2.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-2.9M | ||
| Q3 25 | $5.5M | $1.9M | ||
| Q2 25 | $8.0M | $-3.3M | ||
| Q1 25 | $2.2M | $1.9M | ||
| Q4 24 | $14.2M | $1.7M | ||
| Q3 24 | $-1.3M | $-1.5M | ||
| Q2 24 | $4.0M | $2.4M | ||
| Q1 24 | $-1.2M | $1.7M |
| Q4 25 | $18.2M | $-3.0M | ||
| Q3 25 | $5.2M | $1.7M | ||
| Q2 25 | $7.8M | $-3.3M | ||
| Q1 25 | $2.2M | $1.9M | ||
| Q4 24 | $13.9M | $1.7M | ||
| Q3 24 | $-1.3M | $-1.5M | ||
| Q2 24 | $4.0M | $2.4M | ||
| Q1 24 | $-1.2M | $1.6M |
| Q4 25 | 115.6% | -25.1% | ||
| Q3 25 | 33.6% | 11.5% | ||
| Q2 25 | 50.3% | -21.7% | ||
| Q1 25 | 15.2% | 14.5% | ||
| Q4 24 | 99.6% | 10.8% | ||
| Q3 24 | -9.9% | -11.7% | ||
| Q2 24 | 31.6% | 17.9% | ||
| Q1 24 | -9.5% | 11.9% |
| Q4 25 | 3.1% | 0.9% | ||
| Q3 25 | 1.7% | 1.6% | ||
| Q2 25 | 0.7% | 0.4% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 1.9% | 0.3% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.1% | 0.3% | ||
| Q1 24 | 0.0% | 0.1% |
| Q4 25 | 3.26× | -32.04× | ||
| Q3 25 | 2.34× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | 3.69× | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | — | ||
| Q1 24 | -0.38× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
CSPI
| Products | $6.7M | 56% |
| Services | $5.3M | 44% |
