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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Massimo Group (MAMO). Click either name above to swap in a different company.
Massimo Group is the larger business by last-quarter revenue ($21.0M vs $15.7M, roughly 1.3× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 9.5%, a 30.6% gap on every dollar of revenue. On growth, Massimo Group posted the faster year-over-year revenue change (15.7% vs 12.6%). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -16.5%).
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.
Massimo Dutti, S.A. is a Spanish premium clothing retailer specializing in cashmere and wool products, established in 1985 and owned by Spanish multinational company Inditex, the parent company of Zara, Pull&Bear, and other brands.
CFBK vs MAMO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $21.0M |
| Net Profit | $5.7M | $2.0M |
| Gross Margin | — | 41.5% |
| Operating Margin | 43.4% | 13.1% |
| Net Margin | 40.0% | 9.5% |
| Revenue YoY | 12.6% | 15.7% |
| Net Profit YoY | 29.9% | 215.0% |
| EPS (diluted) | $0.88 | $0.05 |
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 | $21.0M | ||
| Q3 25 | $15.5M | $17.0M | ||
| Q2 25 | $15.6M | $18.9M | ||
| Q1 25 | $14.1M | $14.9M | ||
| Q4 24 | $14.0M | $18.2M | ||
| Q3 24 | $13.1M | $25.6M | ||
| Q2 24 | $12.6M | $35.4M | ||
| Q1 24 | $12.2M | $30.2M |
| Q4 25 | $5.7M | $2.0M | ||
| Q3 25 | $2.3M | $1.5M | ||
| Q2 25 | $5.0M | $77.7K | ||
| Q1 25 | $4.4M | $-2.1M | ||
| Q4 24 | $4.4M | $-1.7M | ||
| Q3 24 | $4.2M | $-2.5M | ||
| Q2 24 | $1.7M | $2.8M | ||
| Q1 24 | $3.1M | $3.2M |
| Q4 25 | — | 41.5% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | — | 27.2% | ||
| Q2 24 | — | 32.5% | ||
| Q1 24 | — | 34.7% |
| Q4 25 | 43.4% | 13.1% | ||
| Q3 25 | 17.5% | 10.5% | ||
| Q2 25 | 41.1% | 0.8% | ||
| Q1 25 | 39.5% | -18.2% | ||
| Q4 24 | 36.9% | -15.4% | ||
| Q3 24 | 40.4% | 1.2% | ||
| Q2 24 | 15.4% | 10.1% | ||
| Q1 24 | 30.9% | 13.2% |
| Q4 25 | 40.0% | 9.5% | ||
| Q3 25 | 15.1% | 9.0% | ||
| Q2 25 | 32.3% | 0.4% | ||
| Q1 25 | 31.4% | -14.0% | ||
| Q4 24 | 35.2% | -9.5% | ||
| Q3 24 | 32.2% | -9.8% | ||
| Q2 24 | 13.5% | 8.0% | ||
| Q1 24 | 25.2% | 10.6% |
| Q4 25 | $0.88 | $0.05 | ||
| Q3 25 | $0.36 | $0.04 | ||
| Q2 25 | $0.77 | $0.00 | ||
| Q1 25 | $0.68 | $-0.05 | ||
| Q4 24 | $0.68 | $-0.05 | ||
| Q3 24 | $0.65 | $-0.06 | ||
| Q2 24 | $0.26 | $0.07 | ||
| Q1 24 | $0.47 | $0.08 |
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 | $5.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $23.7M |
| Total Assets | $2.1B | $51.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $5.8M | ||
| Q3 25 | $272.4M | $2.6M | ||
| Q2 25 | $275.7M | — | ||
| Q1 25 | $241.0M | $3.0M | ||
| Q4 24 | $235.3M | $10.2M | ||
| Q3 24 | $233.5M | — | ||
| Q2 24 | $241.8M | — | ||
| Q1 24 | $236.9M | — |
| Q4 25 | $184.4M | $23.7M | ||
| Q3 25 | $179.3M | $21.7M | ||
| Q2 25 | $177.0M | $20.2M | ||
| Q1 25 | $172.7M | $19.9M | ||
| Q4 24 | $168.4M | $21.7M | ||
| Q3 24 | $164.0M | $22.5M | ||
| Q2 24 | $159.6M | $24.7M | ||
| Q1 24 | $158.0M | $18.1M |
| Q4 25 | $2.1B | $51.4M | ||
| Q3 25 | $2.1B | $44.4M | ||
| Q2 25 | $2.1B | $45.9M | ||
| Q1 25 | $2.1B | $46.4M | ||
| Q4 24 | $2.1B | $54.9M | ||
| Q3 24 | $2.1B | $57.1M | ||
| Q2 24 | $2.0B | $49.9M | ||
| Q1 24 | $2.0B | $47.3M |
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 | $4.0M |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | 3.26× | 2.01× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $4.0M | ||
| Q3 25 | $5.5M | $633.2K | ||
| Q2 25 | $8.0M | $-1.4M | ||
| Q1 25 | $2.2M | $-3.3M | ||
| Q4 24 | $14.2M | $9.1M | ||
| Q3 24 | $-1.3M | $4.7M | ||
| Q2 24 | $4.0M | $-6.5M | ||
| Q1 24 | $-1.2M | $-637.0K |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $13.9M | $9.0M | ||
| Q3 24 | $-1.3M | $4.6M | ||
| Q2 24 | $4.0M | $-6.7M | ||
| Q1 24 | $-1.2M | $-741.4K |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | — | ||
| Q2 25 | 50.3% | — | ||
| Q1 25 | 15.2% | — | ||
| Q4 24 | 99.6% | 49.7% | ||
| Q3 24 | -9.9% | 18.1% | ||
| Q2 24 | 31.6% | -19.0% | ||
| Q1 24 | -9.5% | -2.5% |
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 1.9% | 0.2% | ||
| Q3 24 | 0.2% | 0.3% | ||
| Q2 24 | 0.1% | 0.7% | ||
| Q1 24 | 0.0% | 0.3% |
| Q4 25 | 3.26× | 2.01× | ||
| Q3 25 | 2.34× | 0.41× | ||
| Q2 25 | 1.58× | -17.92× | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | — | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | -2.30× | ||
| Q1 24 | -0.38× | -0.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
