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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and GENCOR INDUSTRIES INC (GENC). Click either name above to swap in a different company.
GENCOR INDUSTRIES INC is the larger business by last-quarter revenue ($23.6M vs $15.7M, roughly 1.5× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 14.6%, a 25.4% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -25.0%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $10.1M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -23.9%).
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.
Gencor Industries Inc is a leading manufacturer of heavy construction and infrastructure equipment, specializing in asphalt production plants, thermal combustion systems, and supporting road-building machinery. It primarily serves North American and global construction markets, supplying products to both public sector infrastructure projects and private commercial construction operators.
CFBK vs GENC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $23.6M |
| Net Profit | $5.7M | $3.4M |
| Gross Margin | — | 28.7% |
| Operating Margin | 43.4% | 13.2% |
| Net Margin | 40.0% | 14.6% |
| Revenue YoY | 12.6% | -25.0% |
| Net Profit YoY | 29.9% | -9.8% |
| EPS (diluted) | $0.88 | $0.23 |
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 | $23.6M | ||
| Q3 25 | $15.5M | $18.8M | ||
| Q2 25 | $15.6M | $27.0M | ||
| Q1 25 | $14.1M | $38.2M | ||
| Q4 24 | $14.0M | $31.4M | ||
| Q3 24 | $13.1M | $20.9M | ||
| Q2 24 | $12.6M | $25.6M | ||
| Q1 24 | $12.2M | $40.7M |
| Q4 25 | $5.7M | $3.4M | ||
| Q3 25 | $2.3M | $1.9M | ||
| Q2 25 | $5.0M | $3.8M | ||
| Q1 25 | $4.4M | $6.1M | ||
| Q4 24 | $4.4M | $3.8M | ||
| Q3 24 | $4.2M | $1.5M | ||
| Q2 24 | $1.7M | $2.6M | ||
| Q1 24 | $3.1M | $6.2M |
| Q4 25 | — | 28.7% | ||
| Q3 25 | — | 24.2% | ||
| Q2 25 | — | 26.5% | ||
| Q1 25 | — | 29.7% | ||
| Q4 24 | — | 27.6% | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 30.3% |
| Q4 25 | 43.4% | 13.2% | ||
| Q3 25 | 17.5% | -1.2% | ||
| Q2 25 | 41.1% | 11.6% | ||
| Q1 25 | 39.5% | 17.0% | ||
| Q4 24 | 36.9% | 14.7% | ||
| Q3 24 | 40.4% | 5.9% | ||
| Q2 24 | 15.4% | 7.8% | ||
| Q1 24 | 30.9% | 17.4% |
| Q4 25 | 40.0% | 14.6% | ||
| Q3 25 | 15.1% | 10.2% | ||
| Q2 25 | 32.3% | 14.2% | ||
| Q1 25 | 31.4% | 16.0% | ||
| Q4 24 | 35.2% | 12.1% | ||
| Q3 24 | 32.2% | 6.9% | ||
| Q2 24 | 13.5% | 10.0% | ||
| Q1 24 | 25.2% | 15.3% |
| Q4 25 | $0.88 | $0.23 | ||
| Q3 25 | $0.36 | $0.13 | ||
| Q2 25 | $0.77 | $0.26 | ||
| Q1 25 | $0.68 | $0.42 | ||
| Q4 24 | $0.68 | $0.26 | ||
| Q3 24 | $0.65 | $0.10 | ||
| Q2 24 | $0.26 | $0.17 | ||
| Q1 24 | $0.47 | $0.42 |
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 | $147.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $215.2M |
| Total Assets | $2.1B | $228.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $147.7M | ||
| Q3 25 | $272.4M | $136.3M | ||
| Q2 25 | $275.7M | $136.0M | ||
| Q1 25 | $241.0M | $143.7M | ||
| Q4 24 | $235.3M | $130.1M | ||
| Q3 24 | $233.5M | $115.4M | ||
| Q2 24 | $241.8M | $116.6M | ||
| Q1 24 | $236.9M | $117.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $184.4M | $215.2M | ||
| Q3 25 | $179.3M | $211.8M | ||
| Q2 25 | $177.0M | $209.9M | ||
| Q1 25 | $172.7M | $206.1M | ||
| Q4 24 | $168.4M | $200.0M | ||
| Q3 24 | $164.0M | $196.1M | ||
| Q2 24 | $159.6M | $194.7M | ||
| Q1 24 | $158.0M | $192.1M |
| Q4 25 | $2.1B | $228.9M | ||
| Q3 25 | $2.1B | $222.6M | ||
| Q2 25 | $2.1B | $220.2M | ||
| Q1 25 | $2.1B | $223.9M | ||
| Q4 24 | $2.1B | $218.2M | ||
| Q3 24 | $2.1B | $208.1M | ||
| Q2 24 | $2.0B | $201.8M | ||
| Q1 24 | $2.0B | $206.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $11.1M |
| Free Cash FlowOCF − Capex | $18.2M | $10.1M |
| FCF MarginFCF / Revenue | 115.6% | 43.0% |
| Capex IntensityCapex / Revenue | 3.1% | 4.1% |
| Cash ConversionOCF / Net Profit | 3.26× | 3.23× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-3.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $11.1M | ||
| Q3 25 | $5.5M | $-275.0K | ||
| Q2 25 | $8.0M | $-23.9M | ||
| Q1 25 | $2.2M | $12.4M | ||
| Q4 24 | $14.2M | $14.8M | ||
| Q3 24 | $-1.3M | $-3.2M | ||
| Q2 24 | $4.0M | $-1.0M | ||
| Q1 24 | $-1.2M | $11.7M |
| Q4 25 | $18.2M | $10.1M | ||
| Q3 25 | $5.2M | $-1.3M | ||
| Q2 25 | $7.8M | $-24.4M | ||
| Q1 25 | $2.2M | $12.3M | ||
| Q4 24 | $13.9M | $14.5M | ||
| Q3 24 | $-1.3M | $-3.3M | ||
| Q2 24 | $4.0M | $-1.4M | ||
| Q1 24 | $-1.2M | $11.7M |
| Q4 25 | 115.6% | 43.0% | ||
| Q3 25 | 33.6% | -6.8% | ||
| Q2 25 | 50.3% | -90.4% | ||
| Q1 25 | 15.2% | 32.2% | ||
| Q4 24 | 99.6% | 46.1% | ||
| Q3 24 | -9.9% | -15.8% | ||
| Q2 24 | 31.6% | -5.6% | ||
| Q1 24 | -9.5% | 28.7% |
| Q4 25 | 3.1% | 4.1% | ||
| Q3 25 | 1.7% | 5.4% | ||
| Q2 25 | 0.7% | 1.8% | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 1.9% | 1.0% | ||
| Q3 24 | 0.2% | 0.4% | ||
| Q2 24 | 0.1% | 1.5% | ||
| Q1 24 | 0.0% | 0.0% |
| Q4 25 | 3.26× | 3.23× | ||
| Q3 25 | 2.34× | -0.14× | ||
| Q2 25 | 1.58× | -6.24× | ||
| Q1 25 | 0.50× | 2.04× | ||
| Q4 24 | 3.21× | 3.88× | ||
| Q3 24 | -0.30× | -2.22× | ||
| Q2 24 | 2.35× | -0.41× | ||
| Q1 24 | -0.38× | 1.87× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
