vs
Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Local Bounti Corporation (LOCL). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $12.5M, roughly 1.3× Local Bounti Corporation). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -69.8%, a 109.9% gap on every dollar of revenue. On growth, Local Bounti Corporation posted the faster year-over-year revenue change (23.7% vs 12.6%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-3.6M). Over the past eight quarters, Local Bounti Corporation's revenue compounded faster (21.9% 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.
Local Bounti Corporation is a U.S.-based sustainable indoor agriculture firm growing fresh, pesticide-free leafy greens, herbs and produce via advanced hydroponic and vertical farming tech. It serves North American retail and food service partners, focusing on low environmental impact and stable year-round supply.
CFBK vs LOCL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $12.5M |
| Net Profit | $5.7M | $-8.7M |
| Gross Margin | — | 12.2% |
| Operating Margin | 43.4% | -106.1% |
| Net Margin | 40.0% | -69.8% |
| Revenue YoY | 12.6% | 23.7% |
| Net Profit YoY | 29.9% | 76.0% |
| EPS (diluted) | $0.88 | $1.52 |
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 | $12.5M | ||
| Q3 25 | $15.5M | $12.2M | ||
| Q2 25 | $15.6M | $12.1M | ||
| Q1 25 | $14.1M | $11.6M | ||
| Q4 24 | $14.0M | $10.1M | ||
| Q3 24 | $13.1M | $10.2M | ||
| Q2 24 | $12.6M | $9.4M | ||
| Q1 24 | $12.2M | $8.4M |
| Q4 25 | $5.7M | $-8.7M | ||
| Q3 25 | $2.3M | $-26.4M | ||
| Q2 25 | $5.0M | $-21.6M | ||
| Q1 25 | $4.4M | $-37.7M | ||
| Q4 24 | $4.4M | $-36.3M | ||
| Q3 24 | $4.2M | $-34.3M | ||
| Q2 24 | $1.7M | $-25.3M | ||
| Q1 24 | $3.1M | $-24.1M |
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | 11.5% | ||
| Q2 25 | — | 12.2% | ||
| Q1 25 | — | 12.6% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | — | 13.8% | ||
| Q2 24 | — | 14.3% | ||
| Q1 24 | — | 9.4% |
| Q4 25 | 43.4% | -106.1% | ||
| Q3 25 | 17.5% | -149.4% | ||
| Q2 25 | 41.1% | -127.7% | ||
| Q1 25 | 39.5% | -135.6% | ||
| Q4 24 | 36.9% | -166.6% | ||
| Q3 24 | 40.4% | -176.0% | ||
| Q2 24 | 15.4% | -146.8% | ||
| Q1 24 | 30.9% | -122.9% |
| Q4 25 | 40.0% | -69.8% | ||
| Q3 25 | 15.1% | -216.6% | ||
| Q2 25 | 32.3% | -178.3% | ||
| Q1 25 | 31.4% | -324.6% | ||
| Q4 24 | 35.2% | -360.1% | ||
| Q3 24 | 32.2% | -335.2% | ||
| Q2 24 | 13.5% | -267.6% | ||
| Q1 24 | 25.2% | -286.9% |
| Q4 25 | $0.88 | $1.52 | ||
| Q3 25 | $0.36 | $-1.18 | ||
| Q2 25 | $0.77 | $-1.63 | ||
| Q1 25 | $0.68 | $-4.32 | ||
| Q4 24 | $0.68 | $-4.24 | ||
| Q3 24 | $0.65 | $-4.01 | ||
| Q2 24 | $0.26 | $-3.00 | ||
| Q1 24 | $0.47 | $-2.89 |
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 | $4.2M |
| Total DebtLower is stronger | — | $483.1M |
| Stockholders' EquityBook value | $184.4M | $-166.2M |
| Total Assets | $2.1B | $410.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $4.2M | ||
| Q3 25 | $272.4M | $6.2M | ||
| Q2 25 | $275.7M | $5.3M | ||
| Q1 25 | $241.0M | $18.0M | ||
| Q4 24 | $235.3M | $937.0K | ||
| Q3 24 | $233.5M | $317.0K | ||
| Q2 24 | $241.8M | $9.7M | ||
| Q1 24 | $236.9M | $8.2M |
| Q4 25 | — | $483.1M | ||
| Q3 25 | — | $484.9M | ||
| Q2 25 | — | $478.3M | ||
| Q1 25 | — | $480.0M | ||
| Q4 24 | — | $436.8M | ||
| Q3 24 | — | $398.4M | ||
| Q2 24 | — | $374.0M | ||
| Q1 24 | — | $329.8M |
| Q4 25 | $184.4M | $-166.2M | ||
| Q3 25 | $179.3M | $-158.1M | ||
| Q2 25 | $177.0M | $-132.7M | ||
| Q1 25 | $172.7M | $-134.5M | ||
| Q4 24 | $168.4M | $-100.5M | ||
| Q3 24 | $164.0M | $-65.6M | ||
| Q2 24 | $159.6M | $-32.8M | ||
| Q1 24 | $158.0M | $-9.4M |
| Q4 25 | $2.1B | $410.5M | ||
| Q3 25 | $2.1B | $417.8M | ||
| Q2 25 | $2.1B | $426.8M | ||
| Q1 25 | $2.1B | $447.2M | ||
| Q4 24 | $2.1B | $428.0M | ||
| Q3 24 | $2.1B | $430.8M | ||
| Q2 24 | $2.0B | $438.1M | ||
| Q1 24 | $2.0B | $413.4M |
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 | $-3.1M |
| Free Cash FlowOCF − Capex | $18.2M | $-3.6M |
| FCF MarginFCF / Revenue | 115.6% | -29.1% |
| Capex IntensityCapex / Revenue | 3.1% | 3.9% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-42.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-3.1M | ||
| Q3 25 | $5.5M | $-8.9M | ||
| Q2 25 | $8.0M | $-8.7M | ||
| Q1 25 | $2.2M | $-9.6M | ||
| Q4 24 | $14.2M | $1.2M | ||
| Q3 24 | $-1.3M | $-17.2M | ||
| Q2 24 | $4.0M | $-4.0M | ||
| Q1 24 | $-1.2M | $-7.1M |
| Q4 25 | $18.2M | $-3.6M | ||
| Q3 25 | $5.2M | $-10.1M | ||
| Q2 25 | $7.8M | $-14.6M | ||
| Q1 25 | $2.2M | $-14.5M | ||
| Q4 24 | $13.9M | $-8.6M | ||
| Q3 24 | $-1.3M | $-30.0M | ||
| Q2 24 | $4.0M | $-28.8M | ||
| Q1 24 | $-1.2M | $-42.1M |
| Q4 25 | 115.6% | -29.1% | ||
| Q3 25 | 33.6% | -82.8% | ||
| Q2 25 | 50.3% | -121.0% | ||
| Q1 25 | 15.2% | -125.1% | ||
| Q4 24 | 99.6% | -85.3% | ||
| Q3 24 | -9.9% | -293.1% | ||
| Q2 24 | 31.6% | -305.4% | ||
| Q1 24 | -9.5% | -501.8% |
| Q4 25 | 3.1% | 3.9% | ||
| Q3 25 | 1.7% | 9.7% | ||
| Q2 25 | 0.7% | 48.9% | ||
| Q1 25 | 0.4% | 42.8% | ||
| Q4 24 | 1.9% | 97.6% | ||
| Q3 24 | 0.2% | 125.0% | ||
| Q2 24 | 0.1% | 263.0% | ||
| Q1 24 | 0.0% | 417.3% |
| 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.
