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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and INTERGROUP CORP (INTG). Click either name above to swap in a different company.
INTERGROUP CORP is the larger business by last-quarter revenue ($17.3M vs $15.7M, roughly 1.1× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 8.8%, a 31.3% gap on every dollar of revenue. On growth, INTERGROUP CORP posted the faster year-over-year revenue change (19.8% vs 12.6%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-481.0K). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs 7.8%).
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.
Intergroup Corp is a diversified holding firm operating two core segments: real estate and hotel operations. It owns, manages and leases commercial and residential properties across the U.S., and runs limited-service hotels for leisure and business travelers.
CFBK vs INTG — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $17.3M |
| Net Profit | $5.7M | $1.5M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 11.6% |
| Net Margin | 40.0% | 8.8% |
| Revenue YoY | 12.6% | 19.8% |
| Net Profit YoY | 29.9% | 155.6% |
| EPS (diluted) | $0.88 | $0.71 |
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 | $17.3M | ||
| Q3 25 | $15.5M | $17.9M | ||
| Q2 25 | $15.6M | $16.2M | ||
| Q1 25 | $14.1M | $16.8M | ||
| Q4 24 | $14.0M | $14.4M | ||
| Q3 24 | $13.1M | $16.9M | ||
| Q2 24 | $12.6M | $13.4M | ||
| Q1 24 | $12.2M | $14.9M |
| Q4 25 | $5.7M | $1.5M | ||
| Q3 25 | $2.3M | $-535.0K | ||
| Q2 25 | $5.0M | $-2.2M | ||
| Q1 25 | $4.4M | $-578.0K | ||
| Q4 24 | $4.4M | $-2.7M | ||
| Q3 24 | $4.2M | $-398.0K | ||
| Q2 24 | $1.7M | $-4.9M | ||
| Q1 24 | $3.1M | $-3.2M |
| Q4 25 | 43.4% | 11.6% | ||
| Q3 25 | 17.5% | 15.3% | ||
| Q2 25 | 41.1% | 8.1% | ||
| Q1 25 | 39.5% | 14.0% | ||
| Q4 24 | 36.9% | 5.9% | ||
| Q3 24 | 40.4% | 18.5% | ||
| Q2 24 | 15.4% | 3.7% | ||
| Q1 24 | 30.9% | 4.8% |
| Q4 25 | 40.0% | 8.8% | ||
| Q3 25 | 15.1% | -3.0% | ||
| Q2 25 | 32.3% | -13.9% | ||
| Q1 25 | 31.4% | -3.4% | ||
| Q4 24 | 35.2% | -18.9% | ||
| Q3 24 | 32.2% | -2.4% | ||
| Q2 24 | 13.5% | -36.7% | ||
| Q1 24 | 25.2% | -21.3% |
| Q4 25 | $0.88 | $0.71 | ||
| Q3 25 | $0.36 | $-0.25 | ||
| Q2 25 | $0.77 | — | ||
| Q1 25 | $0.68 | $-0.27 | ||
| Q4 24 | $0.68 | $-1.26 | ||
| Q3 24 | $0.65 | $-0.18 | ||
| Q2 24 | $0.26 | — | ||
| Q1 24 | $0.47 | $-1.44 |
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 | $7.5M |
| Total DebtLower is stronger | — | $233.2M |
| Stockholders' EquityBook value | $184.4M | $-85.2M |
| Total Assets | $2.1B | $101.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $7.5M | ||
| Q3 25 | $272.4M | $6.0M | ||
| Q2 25 | $275.7M | $6.1M | ||
| Q1 25 | $241.0M | $4.8M | ||
| Q4 24 | $235.3M | $15.4M | ||
| Q3 24 | $233.5M | $12.2M | ||
| Q2 24 | $241.8M | $11.6M | ||
| Q1 24 | $236.9M | $19.5M |
| Q4 25 | — | $233.2M | ||
| Q3 25 | — | $237.8M | ||
| Q2 25 | — | $240.5M | ||
| Q1 25 | — | $241.5M | ||
| Q4 24 | — | $227.2M | ||
| Q3 24 | — | $218.1M | ||
| Q2 24 | — | $225.7M | ||
| Q1 24 | — | $225.0M |
| Q4 25 | $184.4M | $-85.2M | ||
| Q3 25 | $179.3M | $-86.7M | ||
| Q2 25 | $177.0M | $-86.1M | ||
| Q1 25 | $172.7M | $-84.5M | ||
| Q4 24 | $168.4M | $-83.9M | ||
| Q3 24 | $164.0M | $-80.9M | ||
| Q2 24 | $159.6M | $-80.3M | ||
| Q1 24 | $158.0M | $-76.4M |
| Q4 25 | $2.1B | $101.1M | ||
| Q3 25 | $2.1B | $102.5M | ||
| Q2 25 | $2.1B | $104.1M | ||
| Q1 25 | $2.1B | $103.2M | ||
| Q4 24 | $2.1B | $110.6M | ||
| Q3 24 | $2.1B | $109.3M | ||
| Q2 24 | $2.0B | $107.8M | ||
| Q1 24 | $2.0B | $119.0M |
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 | $-23.0K |
| Free Cash FlowOCF − Capex | $18.2M | $-481.0K |
| FCF MarginFCF / Revenue | 115.6% | -2.8% |
| Capex IntensityCapex / Revenue | 3.1% | 2.6% |
| Cash ConversionOCF / Net Profit | 3.26× | -0.02× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $739.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-23.0K | ||
| Q3 25 | $5.5M | $-296.0K | ||
| Q2 25 | $8.0M | $5.9M | ||
| Q1 25 | $2.2M | $-854.0K | ||
| Q4 24 | $14.2M | $-781.0K | ||
| Q3 24 | $-1.3M | $3.4M | ||
| Q2 24 | $4.0M | $6.8M | ||
| Q1 24 | $-1.2M | $1.9M |
| Q4 25 | $18.2M | $-481.0K | ||
| Q3 25 | $5.2M | $-1.3M | ||
| Q2 25 | $7.8M | $3.6M | ||
| Q1 25 | $2.2M | $-1.2M | ||
| Q4 24 | $13.9M | $-1.1M | ||
| Q3 24 | $-1.3M | $3.1M | ||
| Q2 24 | $4.0M | $2.7M | ||
| Q1 24 | $-1.2M | $1.1M |
| Q4 25 | 115.6% | -2.8% | ||
| Q3 25 | 33.6% | -7.1% | ||
| Q2 25 | 50.3% | 22.5% | ||
| Q1 25 | 15.2% | -6.8% | ||
| Q4 24 | 99.6% | -7.8% | ||
| Q3 24 | -9.9% | 18.3% | ||
| Q2 24 | 31.6% | 20.4% | ||
| Q1 24 | -9.5% | 7.6% |
| Q4 25 | 3.1% | 2.6% | ||
| Q3 25 | 1.7% | 5.4% | ||
| Q2 25 | 0.7% | 13.9% | ||
| Q1 25 | 0.4% | 1.8% | ||
| Q4 24 | 1.9% | 2.4% | ||
| Q3 24 | 0.2% | 1.6% | ||
| Q2 24 | 0.1% | 30.4% | ||
| Q1 24 | 0.0% | 4.9% |
| Q4 25 | 3.26× | -0.02× | ||
| Q3 25 | 2.34× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | — | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | — | ||
| Q1 24 | -0.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
INTG
| Hotel Operations | $12.7M | 73% |
| Real Estate Operation | $4.6M | 27% |
