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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and STANDARD BIOTOOLS INC. (LAB). Click either name above to swap in a different company.

STANDARD BIOTOOLS INC. is the larger business by last-quarter revenue ($19.6M vs $15.7M, roughly 1.2× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -177.4%, a 217.5% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -11.5%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-23.1M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -12.2%).

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.

Standard BioTools Inc., previously known as Fluidigm Corp., is an American life science tools company that offers analytical mass cytometry systems for flow cytometry and tissue imaging, along with associated assays and reagents, as well as an automated genomic analysis instrument and a variety of microfluidic arrays, or integrated fluidic circuits (IFCs), and consumables with fully kitted reagents. Custom assays and services are available with all systems and applications.

CFBK vs LAB — Head-to-Head

Bigger by revenue
LAB
LAB
1.2× larger
LAB
$19.6M
$15.7M
CFBK
Growing faster (revenue YoY)
CFBK
CFBK
+24.1% gap
CFBK
12.6%
-11.5%
LAB
Higher net margin
CFBK
CFBK
217.5% more per $
CFBK
40.0%
-177.4%
LAB
More free cash flow
CFBK
CFBK
$41.3M more FCF
CFBK
$18.2M
$-23.1M
LAB
Faster 2-yr revenue CAGR
CFBK
CFBK
Annualised
CFBK
13.7%
-12.2%
LAB

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
CFBK
CFBK
LAB
LAB
Revenue
$15.7M
$19.6M
Net Profit
$5.7M
$-34.7M
Gross Margin
48.5%
Operating Margin
43.4%
-168.5%
Net Margin
40.0%
-177.4%
Revenue YoY
12.6%
-11.5%
Net Profit YoY
29.9%
-28.8%
EPS (diluted)
$0.88
$-0.09

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.

Revenue
CFBK
CFBK
LAB
LAB
Q4 25
$15.7M
Q3 25
$15.5M
$19.6M
Q2 25
$15.6M
$21.8M
Q1 25
$14.1M
$40.8M
Q4 24
$14.0M
Q3 24
$13.1M
$22.1M
Q2 24
$12.6M
$22.5M
Q1 24
$12.2M
$45.5M
Net Profit
CFBK
CFBK
LAB
LAB
Q4 25
$5.7M
Q3 25
$2.3M
$-34.7M
Q2 25
$5.0M
$-33.5M
Q1 25
$4.4M
$-26.0M
Q4 24
$4.4M
Q3 24
$4.2M
$-26.9M
Q2 24
$1.7M
$-45.7M
Q1 24
$3.1M
$-32.2M
Gross Margin
CFBK
CFBK
LAB
LAB
Q4 25
Q3 25
48.5%
Q2 25
48.8%
Q1 25
48.4%
Q4 24
Q3 24
54.9%
Q2 24
46.1%
Q1 24
53.1%
Operating Margin
CFBK
CFBK
LAB
LAB
Q4 25
43.4%
Q3 25
17.5%
-168.5%
Q2 25
41.1%
-118.1%
Q1 25
39.5%
-80.8%
Q4 24
36.9%
Q3 24
40.4%
-120.9%
Q2 24
15.4%
-134.5%
Q1 24
30.9%
-132.2%
Net Margin
CFBK
CFBK
LAB
LAB
Q4 25
40.0%
Q3 25
15.1%
-177.4%
Q2 25
32.3%
-153.7%
Q1 25
31.4%
-63.8%
Q4 24
35.2%
Q3 24
32.2%
-122.0%
Q2 24
13.5%
-203.3%
Q1 24
25.2%
-70.6%
EPS (diluted)
CFBK
CFBK
LAB
LAB
Q4 25
$0.88
Q3 25
$0.36
$-0.09
Q2 25
$0.77
$-0.09
Q1 25
$0.68
$-0.07
Q4 24
$0.68
Q3 24
$0.65
$-0.07
Q2 24
$0.26
$-0.12
Q1 24
$0.47
$-0.27

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CFBK
CFBK
LAB
LAB
Cash + ST InvestmentsLiquidity on hand
$259.0M
$129.4M
Total DebtLower is stronger
Stockholders' EquityBook value
$184.4M
$399.7M
Total Assets
$2.1B
$539.6M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CFBK
CFBK
LAB
LAB
Q4 25
$259.0M
Q3 25
$272.4M
$129.4M
Q2 25
$275.7M
$158.6M
Q1 25
$241.0M
$150.9M
Q4 24
$235.3M
Q3 24
$233.5M
$210.6M
Q2 24
$241.8M
$269.8M
Q1 24
$236.9M
$287.1M
Total Debt
CFBK
CFBK
LAB
LAB
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
$55.2M
Q2 24
$55.1M
Q1 24
$55.0M
Stockholders' Equity
CFBK
CFBK
LAB
LAB
Q4 25
$184.4M
Q3 25
$179.3M
$399.7M
Q2 25
$177.0M
$424.5M
Q1 25
$172.7M
$454.6M
Q4 24
$168.4M
Q3 24
$164.0M
$489.3M
Q2 24
$159.6M
$510.3M
Q1 24
$158.0M
$577.3M
Total Assets
CFBK
CFBK
LAB
LAB
Q4 25
$2.1B
Q3 25
$2.1B
$539.6M
Q2 25
$2.1B
$557.0M
Q1 25
$2.1B
$579.6M
Q4 24
$2.1B
Q3 24
$2.1B
$681.5M
Q2 24
$2.0B
$708.7M
Q1 24
$2.0B
$777.7M
Debt / Equity
CFBK
CFBK
LAB
LAB
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
0.11×
Q2 24
0.11×
Q1 24
0.10×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CFBK
CFBK
LAB
LAB
Operating Cash FlowLast quarter
$18.7M
$-22.2M
Free Cash FlowOCF − Capex
$18.2M
$-23.1M
FCF MarginFCF / Revenue
115.6%
-118.1%
Capex IntensityCapex / Revenue
3.1%
4.5%
Cash ConversionOCF / Net Profit
3.26×
TTM Free Cash FlowTrailing 4 quarters
$33.4M
$-111.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CFBK
CFBK
LAB
LAB
Q4 25
$18.7M
Q3 25
$5.5M
$-22.2M
Q2 25
$8.0M
$-20.7M
Q1 25
$2.2M
$-30.3M
Q4 24
$14.2M
Q3 24
$-1.3M
$-27.9M
Q2 24
$4.0M
$-39.0M
Q1 24
$-1.2M
$-62.5M
Free Cash Flow
CFBK
CFBK
LAB
LAB
Q4 25
$18.2M
Q3 25
$5.2M
$-23.1M
Q2 25
$7.8M
$-22.6M
Q1 25
$2.2M
$-35.3M
Q4 24
$13.9M
Q3 24
$-1.3M
$-30.1M
Q2 24
$4.0M
$-41.0M
Q1 24
$-1.2M
$-63.3M
FCF Margin
CFBK
CFBK
LAB
LAB
Q4 25
115.6%
Q3 25
33.6%
-118.1%
Q2 25
50.3%
-103.6%
Q1 25
15.2%
-86.6%
Q4 24
99.6%
Q3 24
-9.9%
-136.4%
Q2 24
31.6%
-182.2%
Q1 24
-9.5%
-138.9%
Capex Intensity
CFBK
CFBK
LAB
LAB
Q4 25
3.1%
Q3 25
1.7%
4.5%
Q2 25
0.7%
8.7%
Q1 25
0.4%
12.4%
Q4 24
1.9%
Q3 24
0.2%
10.2%
Q2 24
0.1%
8.6%
Q1 24
0.0%
1.7%
Cash Conversion
CFBK
CFBK
LAB
LAB
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.

Revenue Breakdown by Segment

CFBK
CFBK

Segment breakdown not available.

LAB
LAB

Consumables$8.7M45%
Services And Other Revenue$5.8M29%
Instruments$5.1M26%

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