vs
Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and FITLIFE BRANDS, INC. (FTLF). Click either name above to swap in a different company.
FITLIFE BRANDS, INC. is the larger business by last-quarter revenue ($25.9M vs $15.7M, roughly 1.6× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 6.3%, a 33.7% gap on every dollar of revenue. On growth, FITLIFE BRANDS, INC. posted the faster year-over-year revenue change (72.6% vs 12.6%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $239.0K). Over the past eight quarters, FITLIFE BRANDS, INC.'s revenue compounded faster (25.1% CAGR vs 13.7%).
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.
FitLife Brands, Inc. is a health and wellness firm developing, marketing and distributing premium nutritional supplements, sports nutrition products and weight management solutions. It serves North American fitness enthusiasts, athletes and health-focused consumers via retail and e-commerce channels.
CFBK vs FTLF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $25.9M |
| Net Profit | $5.7M | $1.6M |
| Gross Margin | — | 34.5% |
| Operating Margin | 43.4% | 8.8% |
| Net Margin | 40.0% | 6.3% |
| Revenue YoY | 12.6% | 72.6% |
| Net Profit YoY | 29.9% | -20.8% |
| EPS (diluted) | $0.88 | $0.16 |
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 | $25.9M | ||
| Q3 25 | $15.5M | $23.5M | ||
| Q2 25 | $15.6M | $16.1M | ||
| Q1 25 | $14.1M | $15.9M | ||
| Q4 24 | $14.0M | $15.0M | ||
| Q3 24 | $13.1M | $16.0M | ||
| Q2 24 | $12.6M | $16.9M | ||
| Q1 24 | $12.2M | $16.5M |
| Q4 25 | $5.7M | $1.6M | ||
| Q3 25 | $2.3M | $921.0K | ||
| Q2 25 | $5.0M | $1.7M | ||
| Q1 25 | $4.4M | $2.0M | ||
| Q4 24 | $4.4M | $2.1M | ||
| Q3 24 | $4.2M | $2.1M | ||
| Q2 24 | $1.7M | $2.6M | ||
| Q1 24 | $3.1M | $2.2M |
| Q4 25 | — | 34.5% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 42.8% | ||
| Q1 25 | — | 43.1% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 43.8% | ||
| Q2 24 | — | 44.8% | ||
| Q1 24 | — | 44.0% |
| Q4 25 | 43.4% | 8.8% | ||
| Q3 25 | 17.5% | 9.9% | ||
| Q2 25 | 41.1% | 15.6% | ||
| Q1 25 | 39.5% | 18.6% | ||
| Q4 24 | 36.9% | 19.2% | ||
| Q3 24 | 40.4% | 19.9% | ||
| Q2 24 | 15.4% | 21.7% | ||
| Q1 24 | 30.9% | 20.4% |
| Q4 25 | 40.0% | 6.3% | ||
| Q3 25 | 15.1% | 3.9% | ||
| Q2 25 | 32.3% | 10.8% | ||
| Q1 25 | 31.4% | 12.7% | ||
| Q4 24 | 35.2% | 13.8% | ||
| Q3 24 | 32.2% | 13.3% | ||
| Q2 24 | 13.5% | 15.5% | ||
| Q1 24 | 25.2% | 13.1% |
| Q4 25 | $0.88 | $0.16 | ||
| Q3 25 | $0.36 | $0.09 | ||
| Q2 25 | $0.77 | $0.18 | ||
| Q1 25 | $0.68 | $0.20 | ||
| Q4 24 | $0.68 | $0.22 | ||
| Q3 24 | $0.65 | $0.21 | ||
| Q2 24 | $0.26 | $0.27 | ||
| Q1 24 | $0.47 | $0.21 |
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 | $184.4M | $43.6M |
| Total Assets | $2.1B | $106.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | — | ||
| Q3 25 | $272.4M | — | ||
| Q2 25 | $275.7M | — | ||
| Q1 25 | $241.0M | — | ||
| Q4 24 | $235.3M | — | ||
| Q3 24 | $233.5M | — | ||
| Q2 24 | $241.8M | — | ||
| Q1 24 | $236.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | $46.5M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $13.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $16.5M |
| Q4 25 | $184.4M | $43.6M | ||
| Q3 25 | $179.3M | $41.9M | ||
| Q2 25 | $177.0M | $40.9M | ||
| Q1 25 | $172.7M | $38.9M | ||
| Q4 24 | $168.4M | $36.1M | ||
| Q3 24 | $164.0M | $34.2M | ||
| Q2 24 | $159.6M | $31.9M | ||
| Q1 24 | $158.0M | $29.4M |
| Q4 25 | $2.1B | $106.3M | ||
| Q3 25 | $2.1B | $110.0M | ||
| Q2 25 | $2.1B | $62.8M | ||
| Q1 25 | $2.1B | $62.2M | ||
| Q4 24 | $2.1B | $58.5M | ||
| Q3 24 | $2.1B | $58.6M | ||
| Q2 24 | $2.0B | $57.3M | ||
| Q1 24 | $2.0B | $55.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.11× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.36× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.56× |
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 | $244.0K |
| Free Cash FlowOCF − Capex | $18.2M | $239.0K |
| FCF MarginFCF / Revenue | 115.6% | 0.9% |
| Capex IntensityCapex / Revenue | 3.1% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.26× | 0.15× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $7.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $244.0K | ||
| Q3 25 | $5.5M | $3.7M | ||
| Q2 25 | $8.0M | $1.2M | ||
| Q1 25 | $2.2M | $2.3M | ||
| Q4 24 | $14.2M | $957.0K | ||
| Q3 24 | $-1.3M | $2.0M | ||
| Q2 24 | $4.0M | $1.6M | ||
| Q1 24 | $-1.2M | $5.0M |
| Q4 25 | $18.2M | $239.0K | ||
| Q3 25 | $5.2M | $3.7M | ||
| Q2 25 | $7.8M | $1.2M | ||
| Q1 25 | $2.2M | $2.3M | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | — | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | $5.0M |
| Q4 25 | 115.6% | 0.9% | ||
| Q3 25 | 33.6% | 15.6% | ||
| Q2 25 | 50.3% | 7.4% | ||
| Q1 25 | 15.2% | 14.5% | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | — | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | -9.5% | 30.4% |
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 1.7% | 0.0% | ||
| Q2 25 | 0.7% | 0.0% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 1.9% | 0.0% | ||
| Q3 24 | 0.2% | 0.0% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 0.0% | 0.1% |
| Q4 25 | 3.26× | 0.15× | ||
| Q3 25 | 2.34× | 3.99× | ||
| Q2 25 | 1.58× | 0.68× | ||
| Q1 25 | 0.50× | 1.15× | ||
| Q4 24 | 3.21× | 0.46× | ||
| Q3 24 | -0.30× | 0.96× | ||
| Q2 24 | 2.35× | 0.60× | ||
| Q1 24 | -0.38× | 2.33× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
FTLF
| US | $24.3M | 94% |
| Other | $1.7M | 6% |
