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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and JOINT Corp (JYNT). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $15.2M, roughly 1.0× JOINT Corp). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 6.5%, a 33.5% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 3.1%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $334.7K). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -28.6%).
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.
The Joint Corp is a leading operator and franchisor of chiropractic care clinics primarily serving the U.S. market. It offers accessible, affordable routine chiropractic services, membership-based care plans, and caters to consumers seeking non-invasive musculoskeletal pain management and wellness support.
CFBK vs JYNT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $15.2M |
| Net Profit | $5.7M | $991.1K |
| Gross Margin | — | 81.4% |
| Operating Margin | 43.4% | 4.9% |
| Net Margin | 40.0% | 6.5% |
| Revenue YoY | 12.6% | 3.1% |
| Net Profit YoY | 29.9% | 5510.5% |
| EPS (diluted) | $0.88 | $0.06 |
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 | $15.2M | ||
| Q3 25 | $15.5M | $13.4M | ||
| Q2 25 | $15.6M | $13.3M | ||
| Q1 25 | $14.1M | $13.1M | ||
| Q4 24 | $14.0M | $14.7M | ||
| Q3 24 | $13.1M | $30.2M | ||
| Q2 24 | $12.6M | $30.3M | ||
| Q1 24 | $12.2M | $29.7M |
| Q4 25 | $5.7M | $991.1K | ||
| Q3 25 | $2.3M | $855.0K | ||
| Q2 25 | $5.0M | $93.4K | ||
| Q1 25 | $4.4M | $967.8K | ||
| Q4 24 | $4.4M | $17.7K | ||
| Q3 24 | $4.2M | $-3.2M | ||
| Q2 24 | $1.7M | $-3.6M | ||
| Q1 24 | $3.1M | $947.0K |
| Q4 25 | — | 81.4% | ||
| Q3 25 | — | 80.1% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 77.3% | ||
| Q4 24 | — | 78.4% | ||
| Q3 24 | — | 90.7% | ||
| Q2 24 | — | 90.7% | ||
| Q1 24 | — | 90.9% |
| Q4 25 | 43.4% | 4.9% | ||
| Q3 25 | 17.5% | 1.2% | ||
| Q2 25 | 41.1% | -8.6% | ||
| Q1 25 | 39.5% | -5.2% | ||
| Q4 24 | 36.9% | 5.5% | ||
| Q3 24 | 40.4% | -1.6% | ||
| Q2 24 | 15.4% | -5.9% | ||
| Q1 24 | 30.9% | -1.4% |
| Q4 25 | 40.0% | 6.5% | ||
| Q3 25 | 15.1% | 6.4% | ||
| Q2 25 | 32.3% | 0.7% | ||
| Q1 25 | 31.4% | 7.4% | ||
| Q4 24 | 35.2% | 0.1% | ||
| Q3 24 | 32.2% | -10.5% | ||
| Q2 24 | 13.5% | -11.9% | ||
| Q1 24 | 25.2% | 3.2% |
| Q4 25 | $0.88 | $0.06 | ||
| Q3 25 | $0.36 | $0.06 | ||
| Q2 25 | $0.77 | $0.01 | ||
| Q1 25 | $0.68 | $0.06 | ||
| Q4 24 | $0.68 | $0.01 | ||
| Q3 24 | $0.65 | $-0.21 | ||
| Q2 24 | $0.26 | $-0.24 | ||
| Q1 24 | $0.47 | $0.06 |
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 | $23.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $15.1M |
| Total Assets | $2.1B | $61.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $23.6M | ||
| Q3 25 | $272.4M | $29.7M | ||
| Q2 25 | $275.7M | $29.8M | ||
| Q1 25 | $241.0M | $21.9M | ||
| Q4 24 | $235.3M | $25.1M | ||
| Q3 24 | $233.5M | $20.7M | ||
| Q2 24 | $241.8M | $17.5M | ||
| Q1 24 | $236.9M | $18.7M |
| Q4 25 | $184.4M | $15.1M | ||
| Q3 25 | $179.3M | $22.7M | ||
| Q2 25 | $177.0M | $23.2M | ||
| Q1 25 | $172.7M | $22.8M | ||
| Q4 24 | $168.4M | $20.7M | ||
| Q3 24 | $164.0M | $20.5M | ||
| Q2 24 | $159.6M | $23.2M | ||
| Q1 24 | $158.0M | $26.2M |
| Q4 25 | $2.1B | $61.0M | ||
| Q3 25 | $2.1B | $69.4M | ||
| Q2 25 | $2.1B | $73.2M | ||
| Q1 25 | $2.1B | $80.1M | ||
| Q4 24 | $2.1B | $83.2M | ||
| Q3 24 | $2.1B | $79.6M | ||
| Q2 24 | $2.0B | $82.4M | ||
| Q1 24 | $2.0B | $85.7M |
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 | $1.8M |
| Free Cash FlowOCF − Capex | $18.2M | $334.7K |
| FCF MarginFCF / Revenue | 115.6% | 2.2% |
| Capex IntensityCapex / Revenue | 3.1% | 9.9% |
| Cash ConversionOCF / Net Profit | 3.26× | 1.86× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-1.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $1.8M | ||
| Q3 25 | $5.5M | $1.8M | ||
| Q2 25 | $8.0M | $868.6K | ||
| Q1 25 | $2.2M | $-3.7M | ||
| Q4 24 | $14.2M | $9.4M | ||
| Q3 24 | $-1.3M | $3.4M | ||
| Q2 24 | $4.0M | $-973.5K | ||
| Q1 24 | $-1.2M | $2.8M |
| Q4 25 | $18.2M | $334.7K | ||
| Q3 25 | $5.2M | $1.5M | ||
| Q2 25 | $7.8M | $363.6K | ||
| Q1 25 | $2.2M | $-4.0M | ||
| Q4 24 | $13.9M | $8.2M | ||
| Q3 24 | $-1.3M | $3.2M | ||
| Q2 24 | $4.0M | $-1.2M | ||
| Q1 24 | $-1.2M | $2.4M |
| Q4 25 | 115.6% | 2.2% | ||
| Q3 25 | 33.6% | 10.9% | ||
| Q2 25 | 50.3% | 2.7% | ||
| Q1 25 | 15.2% | -30.8% | ||
| Q4 24 | 99.6% | 55.9% | ||
| Q3 24 | -9.9% | 10.6% | ||
| Q2 24 | 31.6% | -4.1% | ||
| Q1 24 | -9.5% | 8.1% |
| Q4 25 | 3.1% | 9.9% | ||
| Q3 25 | 1.7% | 2.4% | ||
| Q2 25 | 0.7% | 3.8% | ||
| Q1 25 | 0.4% | 2.5% | ||
| Q4 24 | 1.9% | 8.1% | ||
| Q3 24 | 0.2% | 0.8% | ||
| Q2 24 | 0.1% | 0.9% | ||
| Q1 24 | 0.0% | 1.3% |
| Q4 25 | 3.26× | 1.86× | ||
| Q3 25 | 2.34× | 2.07× | ||
| Q2 25 | 1.58× | 9.30× | ||
| Q1 25 | 0.50× | -3.82× | ||
| Q4 24 | 3.21× | 532.98× | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | — | ||
| Q1 24 | -0.38× | 2.97× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
JYNT
| Transferred At Point In Time | $12.8M | 84% |
| Transferred Over Time | $2.4M | 16% |
