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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and La Rosa Holdings Corp. (LRHC). Click either name above to swap in a different company.
La Rosa Holdings Corp. is the larger business by last-quarter revenue ($20.2M vs $15.7M, roughly 1.3× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -27.4%, a 67.4% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 3.2%). Over the past eight quarters, La Rosa Holdings Corp.'s revenue compounded faster (72.5% 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.
V. La Rosa and Sons Macaroni Company was founded in 1914 by Vincenzo La Rosa, a Sicilian immigrant. The company eventually became one of the largest regional brands in the United States producing over 40 varieties of pasta.
CFBK vs LRHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $20.2M |
| Net Profit | $5.7M | $-5.5M |
| Gross Margin | — | 8.4% |
| Operating Margin | 43.4% | -24.7% |
| Net Margin | 40.0% | -27.4% |
| Revenue YoY | 12.6% | 3.2% |
| Net Profit YoY | 29.9% | -125.7% |
| EPS (diluted) | $0.88 | $-5.44 |
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 | — | ||
| Q3 25 | $15.5M | $20.2M | ||
| Q2 25 | $15.6M | $23.2M | ||
| Q1 25 | $14.1M | $17.5M | ||
| Q4 24 | $14.0M | $17.7M | ||
| Q3 24 | $13.1M | $19.6M | ||
| Q2 24 | $12.6M | $19.1M | ||
| Q1 24 | $12.2M | $13.1M |
| Q4 25 | $5.7M | — | ||
| Q3 25 | $2.3M | $-5.5M | ||
| Q2 25 | $5.0M | $78.4M | ||
| Q1 25 | $4.4M | $-95.7M | ||
| Q4 24 | $4.4M | $-5.1M | ||
| Q3 24 | $4.2M | $-2.5M | ||
| Q2 24 | $1.7M | $-2.3M | ||
| Q1 24 | $3.1M | $-4.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 8.0% | ||
| Q1 25 | — | 8.8% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 8.3% | ||
| Q1 24 | — | 8.9% |
| Q4 25 | 43.4% | — | ||
| Q3 25 | 17.5% | -24.7% | ||
| Q2 25 | 41.1% | -10.6% | ||
| Q1 25 | 39.5% | -26.7% | ||
| Q4 24 | 36.9% | -17.1% | ||
| Q3 24 | 40.4% | -8.9% | ||
| Q2 24 | 15.4% | -9.7% | ||
| Q1 24 | 30.9% | -35.0% |
| Q4 25 | 40.0% | — | ||
| Q3 25 | 15.1% | -27.4% | ||
| Q2 25 | 32.3% | 337.8% | ||
| Q1 25 | 31.4% | -546.5% | ||
| Q4 24 | 35.2% | -28.7% | ||
| Q3 24 | 32.2% | -12.5% | ||
| Q2 24 | 13.5% | -12.2% | ||
| Q1 24 | 25.2% | -35.1% |
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | $-5.44 | ||
| Q2 25 | $0.77 | $15.25 | ||
| Q1 25 | $0.68 | $-5.86 | ||
| Q4 24 | $0.68 | $28.54 | ||
| Q3 24 | $0.65 | $-16.49 | ||
| Q2 24 | $0.26 | $-12.49 | ||
| Q1 24 | $0.47 | $-0.35 |
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 | $4.0M |
| Total DebtLower is stronger | — | $642.8K |
| Stockholders' EquityBook value | $184.4M | $1.6M |
| Total Assets | $2.1B | $21.7M |
| Debt / EquityLower = less leverage | — | 0.41× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | — | ||
| Q3 25 | $272.4M | $4.0M | ||
| Q2 25 | $275.7M | $5.1M | ||
| Q1 25 | $241.0M | $2.9M | ||
| Q4 24 | $235.3M | $1.4M | ||
| Q3 24 | $233.5M | $1.8M | ||
| Q2 24 | $241.8M | $1.6M | ||
| Q1 24 | $236.9M | $1.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | $642.8K | ||
| Q2 25 | — | $644.3K | ||
| Q1 25 | — | $645.9K | ||
| Q4 24 | — | $647.6K | ||
| Q3 24 | — | $649.2K | ||
| Q2 24 | — | $650.8K | ||
| Q1 24 | — | $652.4K |
| Q4 25 | $184.4M | — | ||
| Q3 25 | $179.3M | $1.6M | ||
| Q2 25 | $177.0M | $3.4M | ||
| Q1 25 | $172.7M | $-87.5M | ||
| Q4 24 | $168.4M | $2.6M | ||
| Q3 24 | $164.0M | $5.0M | ||
| Q2 24 | $159.6M | $4.7M | ||
| Q1 24 | $158.0M | $5.6M |
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | $21.7M | ||
| Q2 25 | $2.1B | $22.9M | ||
| Q1 25 | $2.1B | $21.0M | ||
| Q4 24 | $2.1B | $19.4M | ||
| Q3 24 | $2.1B | $19.7M | ||
| Q2 24 | $2.0B | $18.7M | ||
| Q1 24 | $2.0B | $16.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.41× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.12× |
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 | $-1.3M |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| 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 | — | ||
| Q3 25 | $5.5M | $-1.3M | ||
| Q2 25 | $8.0M | $-1.4M | ||
| Q1 25 | $2.2M | $-3.5M | ||
| Q4 24 | $14.2M | $-1.1M | ||
| Q3 24 | $-1.3M | $-591.6K | ||
| Q2 24 | $4.0M | $-803.1K | ||
| Q1 24 | $-1.2M | $-538.3K |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | — | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | — |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | — | ||
| Q2 25 | 50.3% | — | ||
| Q1 25 | 15.2% | — | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | — | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | -9.5% | — |
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.0% | — |
| Q4 25 | 3.26× | — | ||
| Q3 25 | 2.34× | — | ||
| Q2 25 | 1.58× | -0.02× | ||
| 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
Segment breakdown not available.
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
