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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and FutureFuel Corp. (FF). Click either name above to swap in a different company.
FutureFuel Corp. is the larger business by last-quarter revenue ($19.8M vs $15.7M, roughly 1.3× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -60.5%, a 100.6% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -67.7%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-29.9M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -41.7%).
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.
FutureFuel Corporation is a developer and producer of chemicals and biofuels. It is listed on the New York Stock Exchange, with symbol FF.
CFBK vs FF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $19.8M |
| Net Profit | $5.7M | $-12.0M |
| Gross Margin | — | -46.7% |
| Operating Margin | 43.4% | -62.9% |
| Net Margin | 40.0% | -60.5% |
| Revenue YoY | 12.6% | -67.7% |
| Net Profit YoY | 29.9% | -529.4% |
| EPS (diluted) | $0.88 | $-0.28 |
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 | $19.8M | ||
| Q3 25 | $15.5M | $22.7M | ||
| Q2 25 | $15.6M | $35.7M | ||
| Q1 25 | $14.1M | $17.5M | ||
| Q4 24 | $14.0M | $61.5M | ||
| Q3 24 | $13.1M | $51.1M | ||
| Q2 24 | $12.6M | $72.4M | ||
| Q1 24 | $12.2M | $58.3M |
| Q4 25 | $5.7M | $-12.0M | ||
| Q3 25 | $2.3M | $-9.3M | ||
| Q2 25 | $5.0M | $-10.4M | ||
| Q1 25 | $4.4M | $-17.6M | ||
| Q4 24 | $4.4M | $2.8M | ||
| Q3 24 | $4.2M | $-1.2M | ||
| Q2 24 | $1.7M | $9.6M | ||
| Q1 24 | $3.1M | $4.3M |
| Q4 25 | — | -46.7% | ||
| Q3 25 | — | -30.1% | ||
| Q2 25 | — | -24.6% | ||
| Q1 25 | — | -83.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 12.0% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | 43.4% | -62.9% | ||
| Q3 25 | 17.5% | -42.9% | ||
| Q2 25 | 41.1% | -33.4% | ||
| Q1 25 | 39.5% | -107.4% | ||
| Q4 24 | 36.9% | 2.6% | ||
| Q3 24 | 40.4% | -5.6% | ||
| Q2 24 | 15.4% | 7.5% | ||
| Q1 24 | 30.9% | 3.8% |
| Q4 25 | 40.0% | -60.5% | ||
| Q3 25 | 15.1% | -41.1% | ||
| Q2 25 | 32.3% | -29.2% | ||
| Q1 25 | 31.4% | -100.6% | ||
| Q4 24 | 35.2% | 4.5% | ||
| Q3 24 | 32.2% | -2.3% | ||
| Q2 24 | 13.5% | 13.2% | ||
| Q1 24 | 25.2% | 7.4% |
| Q4 25 | $0.88 | $-0.28 | ||
| Q3 25 | $0.36 | $-0.21 | ||
| Q2 25 | $0.77 | $-0.24 | ||
| Q1 25 | $0.68 | $-0.40 | ||
| Q4 24 | $0.68 | $0.06 | ||
| Q3 24 | $0.65 | $-0.03 | ||
| Q2 24 | $0.26 | $0.22 | ||
| Q1 24 | $0.47 | $0.10 |
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 | $51.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $154.7M |
| Total Assets | $2.1B | $192.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $51.3M | ||
| Q3 25 | $272.4M | $85.6M | ||
| Q2 25 | $275.7M | $95.2M | ||
| Q1 25 | $241.0M | $97.1M | ||
| Q4 24 | $235.3M | $109.5M | ||
| Q3 24 | $233.5M | $133.4M | ||
| Q2 24 | $241.8M | $115.1M | ||
| Q1 24 | $236.9M | $201.1M |
| Q4 25 | $184.4M | $154.7M | ||
| Q3 25 | $179.3M | $169.1M | ||
| Q2 25 | $177.0M | $178.2M | ||
| Q1 25 | $172.7M | $188.4M | ||
| Q4 24 | $168.4M | $205.8M | ||
| Q3 24 | $164.0M | $213.3M | ||
| Q2 24 | $159.6M | $214.4M | ||
| Q1 24 | $158.0M | $204.8M |
| Q4 25 | $2.1B | $192.2M | ||
| Q3 25 | $2.1B | $203.5M | ||
| Q2 25 | $2.1B | $218.2M | ||
| Q1 25 | $2.1B | $227.7M | ||
| Q4 24 | $2.1B | $247.7M | ||
| Q3 24 | $2.1B | $256.5M | ||
| Q2 24 | $2.0B | $261.2M | ||
| Q1 24 | $2.0B | $365.4M |
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 | $-27.4M |
| Free Cash FlowOCF − Capex | $18.2M | $-29.9M |
| FCF MarginFCF / Revenue | 115.6% | -150.5% |
| Capex IntensityCapex / Revenue | 3.1% | 12.2% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-27.4M | ||
| Q3 25 | $5.5M | $-1.1M | ||
| Q2 25 | $8.0M | $5.2M | ||
| Q1 25 | $2.2M | $-5.4M | ||
| Q4 24 | $14.2M | $-16.6M | ||
| Q3 24 | $-1.3M | $25.8M | ||
| Q2 24 | $4.0M | $27.8M | ||
| Q1 24 | $-1.2M | $-12.2M |
| Q4 25 | $18.2M | $-29.9M | ||
| Q3 25 | $5.2M | $-6.5M | ||
| Q2 25 | $7.8M | $-263.0K | ||
| Q1 25 | $2.2M | $-9.4M | ||
| Q4 24 | $13.9M | $-20.7M | ||
| Q3 24 | $-1.3M | $20.5M | ||
| Q2 24 | $4.0M | $24.8M | ||
| Q1 24 | $-1.2M | $-14.5M |
| Q4 25 | 115.6% | -150.5% | ||
| Q3 25 | 33.6% | -28.5% | ||
| Q2 25 | 50.3% | -0.7% | ||
| Q1 25 | 15.2% | -53.6% | ||
| Q4 24 | 99.6% | -33.6% | ||
| Q3 24 | -9.9% | 40.1% | ||
| Q2 24 | 31.6% | 34.3% | ||
| Q1 24 | -9.5% | -24.9% |
| Q4 25 | 3.1% | 12.2% | ||
| Q3 25 | 1.7% | 23.5% | ||
| Q2 25 | 0.7% | 15.3% | ||
| Q1 25 | 0.4% | 22.8% | ||
| Q4 24 | 1.9% | 6.6% | ||
| Q3 24 | 0.2% | 10.4% | ||
| Q2 24 | 0.1% | 4.1% | ||
| Q1 24 | 0.0% | 3.9% |
| Q4 25 | 3.26× | — | ||
| Q3 25 | 2.34× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | -5.94× | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | 2.90× | ||
| Q1 24 | -0.38× | -2.82× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
FF
| Chemicals | $18.0M | 91% |
| Biofuels | $1.8M | 9% |
