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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and FIRST UNITED CORP (FUNC). Click either name above to swap in a different company.
FIRST UNITED CORP is the larger business by last-quarter revenue ($23.2M vs $15.7M, roughly 1.5× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 24.9%, a 15.2% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 11.9%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $15.4M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs 11.5%).
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.
United Breweries Holdings Limited (UBHL), also called UB Group, is the Indian subsidiary of Heineken N.V.. It is headquartered in UB City, Bangalore, Karnataka. Its core business includes beverages and investments in various sectors. The company markets beer under the Kingfisher brand, and owns various other brands of alcoholic beverages. United Breweries is India's largest producer of beer.
CFBK vs FUNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $23.2M |
| Net Profit | $5.7M | $5.8M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 32.9% |
| Net Margin | 40.0% | 24.9% |
| Revenue YoY | 12.6% | 11.9% |
| Net Profit YoY | 29.9% | -6.6% |
| EPS (diluted) | $0.88 | $0.89 |
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 | $23.2M | ||
| Q3 25 | $15.5M | $22.7M | ||
| Q2 25 | $15.6M | $21.8M | ||
| Q1 25 | $14.1M | $20.9M | ||
| Q4 24 | $14.0M | $20.8M | ||
| Q3 24 | $13.1M | $20.3M | ||
| Q2 24 | $12.6M | $20.1M | ||
| Q1 24 | $12.2M | $18.7M |
| Q4 25 | $5.7M | $5.8M | ||
| Q3 25 | $2.3M | $6.9M | ||
| Q2 25 | $5.0M | $6.0M | ||
| Q1 25 | $4.4M | $5.8M | ||
| Q4 24 | $4.4M | $6.2M | ||
| Q3 24 | $4.2M | $5.8M | ||
| Q2 24 | $1.7M | $4.9M | ||
| Q1 24 | $3.1M | $3.7M |
| Q4 25 | 43.4% | 32.9% | ||
| Q3 25 | 17.5% | 40.6% | ||
| Q2 25 | 41.1% | 36.5% | ||
| Q1 25 | 39.5% | 36.8% | ||
| Q4 24 | 36.9% | 39.2% | ||
| Q3 24 | 40.4% | 38.0% | ||
| Q2 24 | 15.4% | 32.5% | ||
| Q1 24 | 30.9% | 26.0% |
| Q4 25 | 40.0% | 24.9% | ||
| Q3 25 | 15.1% | 30.6% | ||
| Q2 25 | 32.3% | 27.5% | ||
| Q1 25 | 31.4% | 27.7% | ||
| Q4 24 | 35.2% | 29.8% | ||
| Q3 24 | 32.2% | 28.5% | ||
| Q2 24 | 13.5% | 24.5% | ||
| Q1 24 | 25.2% | 19.8% |
| Q4 25 | $0.88 | $0.89 | ||
| Q3 25 | $0.36 | $1.07 | ||
| Q2 25 | $0.77 | $0.92 | ||
| Q1 25 | $0.68 | $0.89 | ||
| Q4 24 | $0.68 | $0.95 | ||
| Q3 24 | $0.65 | $0.89 | ||
| Q2 24 | $0.26 | $0.75 | ||
| Q1 24 | $0.47 | $0.56 |
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 | $131.6M |
| Total DebtLower is stronger | — | $95.9M |
| Stockholders' EquityBook value | $184.4M | $203.6M |
| Total Assets | $2.1B | $2.1B |
| Debt / EquityLower = less leverage | — | 0.47× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $131.6M | ||
| Q3 25 | $272.4M | $95.2M | ||
| Q2 25 | $275.7M | $79.1M | ||
| Q1 25 | $241.0M | $84.4M | ||
| Q4 24 | $235.3M | $78.3M | ||
| Q3 24 | $233.5M | $62.4M | ||
| Q2 24 | $241.8M | $45.1M | ||
| Q1 24 | $236.9M | $86.9M |
| Q4 25 | — | $95.9M | ||
| Q3 25 | — | $95.9M | ||
| Q2 25 | — | $120.9M | ||
| Q1 25 | — | $120.9M | ||
| Q4 24 | — | $120.9M | ||
| Q3 24 | — | $120.9M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $70.9M |
| Q4 25 | $184.4M | $203.6M | ||
| Q3 25 | $179.3M | $199.1M | ||
| Q2 25 | $177.0M | $191.1M | ||
| Q1 25 | $172.7M | $183.7M | ||
| Q4 24 | $168.4M | $179.3M | ||
| Q3 24 | $164.0M | $174.0M | ||
| Q2 24 | $159.6M | $164.2M | ||
| Q1 24 | $158.0M | $165.5M |
| Q4 25 | $2.1B | $2.1B | ||
| Q3 25 | $2.1B | $2.0B | ||
| Q2 25 | $2.1B | $2.0B | ||
| Q1 25 | $2.1B | $2.0B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.1B | $1.9B | ||
| Q2 24 | $2.0B | $1.9B | ||
| Q1 24 | $2.0B | $1.9B |
| Q4 25 | — | 0.47× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.70× | ||
| Q2 24 | — | 0.43× | ||
| Q1 24 | — | 0.43× |
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 | $19.4M |
| Free Cash FlowOCF − Capex | $18.2M | $15.4M |
| FCF MarginFCF / Revenue | 115.6% | 66.3% |
| Capex IntensityCapex / Revenue | 3.1% | 17.1% |
| Cash ConversionOCF / Net Profit | 3.26× | 3.35× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $22.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $19.4M | ||
| Q3 25 | $5.5M | $1.5M | ||
| Q2 25 | $8.0M | $995.0K | ||
| Q1 25 | $2.2M | $7.0M | ||
| Q4 24 | $14.2M | $22.3M | ||
| Q3 24 | $-1.3M | $2.3M | ||
| Q2 24 | $4.0M | $7.2M | ||
| Q1 24 | $-1.2M | $3.6M |
| Q4 25 | $18.2M | $15.4M | ||
| Q3 25 | $5.2M | $168.0K | ||
| Q2 25 | $7.8M | $706.0K | ||
| Q1 25 | $2.2M | $6.4M | ||
| Q4 24 | $13.9M | $20.4M | ||
| Q3 24 | $-1.3M | $588.0K | ||
| Q2 24 | $4.0M | $7.0M | ||
| Q1 24 | $-1.2M | $3.5M |
| Q4 25 | 115.6% | 66.3% | ||
| Q3 25 | 33.6% | 0.7% | ||
| Q2 25 | 50.3% | 3.2% | ||
| Q1 25 | 15.2% | 30.5% | ||
| Q4 24 | 99.6% | 98.1% | ||
| Q3 24 | -9.9% | 2.9% | ||
| Q2 24 | 31.6% | 35.1% | ||
| Q1 24 | -9.5% | 18.9% |
| Q4 25 | 3.1% | 17.1% | ||
| Q3 25 | 1.7% | 5.9% | ||
| Q2 25 | 0.7% | 1.3% | ||
| Q1 25 | 0.4% | 2.8% | ||
| Q4 24 | 1.9% | 9.3% | ||
| Q3 24 | 0.2% | 8.4% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 0.0% | 0.3% |
| Q4 25 | 3.26× | 3.35× | ||
| Q3 25 | 2.34× | 0.22× | ||
| Q2 25 | 1.58× | 0.17× | ||
| Q1 25 | 0.50× | 1.20× | ||
| Q4 24 | 3.21× | 3.60× | ||
| Q3 24 | -0.30× | 0.40× | ||
| Q2 24 | 2.35× | 1.46× | ||
| Q1 24 | -0.38× | 0.97× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
FUNC
| Trust Department | $9.8M | 42% |
| Other | $5.6M | 24% |
| Debit Card Income | $4.1M | 17% |
| Service Charges | $2.3M | 10% |
| Brokerage Commissions | $1.4M | 6% |
