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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Invivyd, Inc. (IVVD). Click either name above to swap in a different company.
Invivyd, Inc. is the larger business by last-quarter revenue ($17.2M vs $15.7M, roughly 1.1× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -64.3%, a 104.4% gap on every dollar of revenue. On growth, Invivyd, Inc. posted the faster year-over-year revenue change (24.5% vs 12.6%).
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.
Invivyd, Inc. is a clinical-stage biopharmaceutical company focused on developing broadly neutralizing antibody therapies to prevent and treat serious viral infectious diseases. Its core research and development pipeline targets high-burden respiratory pathogens including respiratory syncytial virus, catering to unmet medical needs of global patient groups.
CFBK vs IVVD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $17.2M |
| Net Profit | $5.7M | $-11.1M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | -73.0% |
| Net Margin | 40.0% | -64.3% |
| Revenue YoY | 12.6% | 24.5% |
| Net Profit YoY | 29.9% | 40.0% |
| EPS (diluted) | $0.88 | $0.02 |
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 | $17.2M | ||
| Q3 25 | $15.5M | $13.1M | ||
| Q2 25 | $15.6M | $11.8M | ||
| Q1 25 | $14.1M | $11.3M | ||
| Q4 24 | $14.0M | $13.8M | ||
| Q3 24 | $13.1M | $9.3M | ||
| Q2 24 | $12.6M | $2.3M | ||
| Q1 24 | $12.2M | $0 |
| Q4 25 | $5.7M | $-11.1M | ||
| Q3 25 | $2.3M | $-10.5M | ||
| Q2 25 | $5.0M | $-14.7M | ||
| Q1 25 | $4.4M | $-16.3M | ||
| Q4 24 | $4.4M | $-18.4M | ||
| Q3 24 | $4.2M | $-60.7M | ||
| Q2 24 | $1.7M | $-47.2M | ||
| Q1 24 | $3.1M | $-43.5M |
| Q4 25 | 43.4% | -73.0% | ||
| Q3 25 | 17.5% | -84.0% | ||
| Q2 25 | 41.1% | -127.8% | ||
| Q1 25 | 39.5% | -149.7% | ||
| Q4 24 | 36.9% | -139.1% | ||
| Q3 24 | 40.4% | -670.0% | ||
| Q2 24 | 15.4% | -2175.2% | ||
| Q1 24 | 30.9% | — |
| Q4 25 | 40.0% | -64.3% | ||
| Q3 25 | 15.1% | -79.7% | ||
| Q2 25 | 32.3% | -124.4% | ||
| Q1 25 | 31.4% | -144.1% | ||
| Q4 24 | 35.2% | -133.5% | ||
| Q3 24 | 32.2% | -653.1% | ||
| Q2 24 | 13.5% | -2086.9% | ||
| Q1 24 | 25.2% | — |
| Q4 25 | $0.88 | $0.02 | ||
| Q3 25 | $0.36 | $-0.06 | ||
| Q2 25 | $0.77 | $-0.12 | ||
| Q1 25 | $0.68 | $-0.14 | ||
| Q4 24 | $0.68 | $-0.14 | ||
| Q3 24 | $0.65 | $-0.51 | ||
| Q2 24 | $0.26 | $-0.40 | ||
| Q1 24 | $0.47 | $-0.38 |
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 | $226.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $241.5M |
| Total Assets | $2.1B | $276.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $226.7M | ||
| Q3 25 | $272.4M | $85.0M | ||
| Q2 25 | $275.7M | $34.9M | ||
| Q1 25 | $241.0M | $48.1M | ||
| Q4 24 | $235.3M | $69.3M | ||
| Q3 24 | $233.5M | $106.9M | ||
| Q2 24 | $241.8M | $147.9M | ||
| Q1 24 | $236.9M | $189.4M |
| Q4 25 | $184.4M | $241.5M | ||
| Q3 25 | $179.3M | $93.1M | ||
| Q2 25 | $177.0M | $42.8M | ||
| Q1 25 | $172.7M | $54.1M | ||
| Q4 24 | $168.4M | $67.5M | ||
| Q3 24 | $164.0M | $83.2M | ||
| Q2 24 | $159.6M | $140.6M | ||
| Q1 24 | $158.0M | $178.5M |
| Q4 25 | $2.1B | $276.9M | ||
| Q3 25 | $2.1B | $139.2M | ||
| Q2 25 | $2.1B | $89.1M | ||
| Q1 25 | $2.1B | $103.7M | ||
| Q4 24 | $2.1B | $129.5M | ||
| Q3 24 | $2.1B | $161.9M | ||
| Q2 24 | $2.0B | $177.3M | ||
| Q1 24 | $2.0B | $215.5M |
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 | $-15.5M |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-15.5M | ||
| Q3 25 | $5.5M | $-8.3M | ||
| Q2 25 | $8.0M | $-13.3M | ||
| Q1 25 | $2.2M | $-21.1M | ||
| Q4 24 | $14.2M | $-37.6M | ||
| Q3 24 | $-1.3M | $-41.1M | ||
| Q2 24 | $4.0M | $-41.6M | ||
| Q1 24 | $-1.2M | $-50.2M |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $7.8M | $-13.3M | ||
| Q1 25 | $2.2M | $-21.3M | ||
| Q4 24 | $13.9M | $-37.6M | ||
| Q3 24 | $-1.3M | $-41.1M | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | $-50.4M |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | — | ||
| Q2 25 | 50.3% | -112.9% | ||
| Q1 25 | 15.2% | -188.2% | ||
| Q4 24 | 99.6% | -272.2% | ||
| Q3 24 | -9.9% | -441.6% | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | -9.5% | — |
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 1.7% | 0.0% | ||
| Q2 25 | 0.7% | 0.1% | ||
| Q1 25 | 0.4% | 1.3% | ||
| Q4 24 | 1.9% | 0.0% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 0.0% | — |
| Q4 25 | 3.26× | — | ||
| 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.
