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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and LANDMARK BANCORP INC (LARK). Click either name above to swap in a different company.
LANDMARK BANCORP INC is the larger business by last-quarter revenue ($18.7M vs $15.7M, roughly 1.2× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 32.1%, a 8.0% gap on every dollar of revenue. On growth, LANDMARK BANCORP INC posted the faster year-over-year revenue change (18.5% vs 12.6%). LANDMARK BANCORP INC produced more free cash flow last quarter ($21.0M vs $18.2M). Over the past eight quarters, LANDMARK BANCORP INC's revenue compounded faster (14.9% CAGR vs 13.7%).
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.
Landmark Bancorp Inc is a U.S.-based bank holding company operating Landmark National Bank, primarily serving communities across Kansas. It provides a full range of personal and commercial banking services including deposit accounts, residential mortgages, commercial loans, and wealth management solutions, catering to individual consumers, small businesses and local mid-sized enterprises.
CFBK vs LARK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $18.7M |
| Net Profit | $5.7M | $4.7M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 31.7% |
| Net Margin | 40.0% | 32.1% |
| Revenue YoY | 12.6% | 18.5% |
| Net Profit YoY | 29.9% | 44.4% |
| EPS (diluted) | $0.88 | $0.66 |
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 | $18.7M | ||
| Q3 25 | $15.5M | $18.2M | ||
| Q2 25 | $15.6M | $17.3M | ||
| Q1 25 | $14.1M | $16.5M | ||
| Q4 24 | $14.0M | $15.8M | ||
| Q3 24 | $13.1M | $15.9M | ||
| Q2 24 | $12.6M | $14.7M | ||
| Q1 24 | $12.2M | $14.1M |
| Q4 25 | $5.7M | $4.7M | ||
| Q3 25 | $2.3M | $4.9M | ||
| Q2 25 | $5.0M | $4.4M | ||
| Q1 25 | $4.4M | $4.7M | ||
| Q4 24 | $4.4M | $3.3M | ||
| Q3 24 | $4.2M | $3.9M | ||
| Q2 24 | $1.7M | $3.0M | ||
| Q1 24 | $3.1M | $2.8M |
| Q4 25 | 43.4% | 31.7% | ||
| Q3 25 | 17.5% | 33.4% | ||
| Q2 25 | 41.1% | 30.9% | ||
| Q1 25 | 39.5% | 34.7% | ||
| Q4 24 | 36.9% | 15.2% | ||
| Q3 24 | 40.4% | 30.3% | ||
| Q2 24 | 15.4% | 24.5% | ||
| Q1 24 | 30.9% | 23.3% |
| Q4 25 | 40.0% | 32.1% | ||
| Q3 25 | 15.1% | 27.1% | ||
| Q2 25 | 32.3% | 25.4% | ||
| Q1 25 | 31.4% | 28.5% | ||
| Q4 24 | 35.2% | 26.5% | ||
| Q3 24 | 32.2% | 24.8% | ||
| Q2 24 | 13.5% | 20.5% | ||
| Q1 24 | 25.2% | 19.6% |
| Q4 25 | $0.88 | $0.66 | ||
| Q3 25 | $0.36 | $0.85 | ||
| Q2 25 | $0.77 | $0.75 | ||
| Q1 25 | $0.68 | $0.81 | ||
| Q4 24 | $0.68 | $0.47 | ||
| Q3 24 | $0.65 | $0.68 | ||
| Q2 24 | $0.26 | $0.52 | ||
| Q1 24 | $0.47 | $0.48 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $160.6M |
| Total Assets | $2.1B | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | — | ||
| Q3 25 | $272.4M | — | ||
| Q2 25 | $275.7M | — | ||
| Q1 25 | $241.0M | — | ||
| Q4 24 | $235.3M | — | ||
| Q3 24 | $233.5M | — | ||
| Q2 24 | $241.8M | — | ||
| Q1 24 | $236.9M | — |
| Q4 25 | $184.4M | $160.6M | ||
| Q3 25 | $179.3M | $155.7M | ||
| Q2 25 | $177.0M | $148.4M | ||
| Q1 25 | $172.7M | $142.7M | ||
| Q4 24 | $168.4M | $136.2M | ||
| Q3 24 | $164.0M | $139.7M | ||
| Q2 24 | $159.6M | $128.3M | ||
| Q1 24 | $158.0M | $126.7M |
| Q4 25 | $2.1B | $1.6B | ||
| Q3 25 | $2.1B | $1.6B | ||
| Q2 25 | $2.1B | $1.6B | ||
| Q1 25 | $2.1B | $1.6B | ||
| Q4 24 | $2.1B | $1.6B | ||
| Q3 24 | $2.1B | $1.6B | ||
| Q2 24 | $2.0B | $1.6B | ||
| Q1 24 | $2.0B | $1.6B |
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 | $21.6M |
| Free Cash FlowOCF − Capex | $18.2M | $21.0M |
| FCF MarginFCF / Revenue | 115.6% | 112.5% |
| Capex IntensityCapex / Revenue | 3.1% | 3.2% |
| Cash ConversionOCF / Net Profit | 3.26× | 4.56× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $39.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $21.6M | ||
| Q3 25 | $5.5M | $10.3M | ||
| Q2 25 | $8.0M | $439.0K | ||
| Q1 25 | $2.2M | $8.0M | ||
| Q4 24 | $14.2M | $14.2M | ||
| Q3 24 | $-1.3M | $8.1M | ||
| Q2 24 | $4.0M | $4.4M | ||
| Q1 24 | $-1.2M | $2.9M |
| Q4 25 | $18.2M | $21.0M | ||
| Q3 25 | $5.2M | $10.1M | ||
| Q2 25 | $7.8M | $354.0K | ||
| Q1 25 | $2.2M | $8.0M | ||
| Q4 24 | $13.9M | $11.9M | ||
| Q3 24 | $-1.3M | $7.8M | ||
| Q2 24 | $4.0M | $3.8M | ||
| Q1 24 | $-1.2M | $1.5M |
| Q4 25 | 115.6% | 112.5% | ||
| Q3 25 | 33.6% | 55.4% | ||
| Q2 25 | 50.3% | 2.0% | ||
| Q1 25 | 15.2% | 48.4% | ||
| Q4 24 | 99.6% | 75.6% | ||
| Q3 24 | -9.9% | 49.3% | ||
| Q2 24 | 31.6% | 25.6% | ||
| Q1 24 | -9.5% | 10.9% |
| Q4 25 | 3.1% | 3.2% | ||
| Q3 25 | 1.7% | 1.4% | ||
| Q2 25 | 0.7% | 0.5% | ||
| Q1 25 | 0.4% | 0.3% | ||
| Q4 24 | 1.9% | 14.7% | ||
| Q3 24 | 0.2% | 1.8% | ||
| Q2 24 | 0.1% | 4.2% | ||
| Q1 24 | 0.0% | 9.2% |
| Q4 25 | 3.26× | 4.56× | ||
| Q3 25 | 2.34× | 2.09× | ||
| Q2 25 | 1.58× | 0.10× | ||
| Q1 25 | 0.50× | 1.71× | ||
| Q4 24 | 3.21× | 4.34× | ||
| Q3 24 | -0.30× | 2.06× | ||
| Q2 24 | 2.35× | 1.45× | ||
| Q1 24 | -0.38× | 1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
