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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and EVERSPIN TECHNOLOGIES INC. (MRAM). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $14.9M, roughly 1.1× EVERSPIN TECHNOLOGIES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -2.0%, a 42.0% gap on every dollar of revenue. On growth, EVERSPIN TECHNOLOGIES INC. posted the faster year-over-year revenue change (13.2% vs 12.6%). Over the past eight quarters, EVERSPIN TECHNOLOGIES INC.'s revenue compounded faster (18.2% 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.
Everspin Technologies, Inc. is a publicly traded semiconductor company headquartered in Chandler, Arizona, United States. It develops and manufactures discrete magnetoresistive RAM or magnetoresistive random-access memory (MRAM) products, including Toggle MRAM and Spin-Transfer Torque MRAM (STT-MRAM) product families. It also licenses its technology for use in embedded MRAM (eMRAM) applications, magnetic sensor applications as well as performs backend foundry services for eMRAM.
CFBK vs MRAM — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $14.9M |
| Net Profit | $5.7M | $-296.0K |
| Gross Margin | — | 52.7% |
| Operating Margin | 43.4% | 29.0% |
| Net Margin | 40.0% | -2.0% |
| Revenue YoY | 12.6% | 13.2% |
| Net Profit YoY | 29.9% | — |
| EPS (diluted) | $0.88 | $-0.01 |
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.
| Q1 26 | — | $14.9M | ||
| Q4 25 | $15.7M | $14.8M | ||
| Q3 25 | $15.5M | $14.1M | ||
| Q2 25 | $15.6M | $13.2M | ||
| Q1 25 | $14.1M | $13.1M | ||
| Q4 24 | $14.0M | $13.2M | ||
| Q3 24 | $13.1M | $12.1M | ||
| Q2 24 | $12.6M | $10.6M |
| Q1 26 | — | $-296.0K | ||
| Q4 25 | $5.7M | $1.2M | ||
| Q3 25 | $2.3M | $54.0K | ||
| Q2 25 | $5.0M | $-670.0K | ||
| Q1 25 | $4.4M | $-1.2M | ||
| Q4 24 | $4.4M | $1.2M | ||
| Q3 24 | $4.2M | $2.3M | ||
| Q2 24 | $1.7M | $-2.5M |
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 50.8% | ||
| Q3 25 | — | 51.3% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 51.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.2% | ||
| Q2 24 | — | 49.0% |
| Q1 26 | — | 29.0% | ||
| Q4 25 | 43.4% | -7.2% | ||
| Q3 25 | 17.5% | -11.0% | ||
| Q2 25 | 41.1% | -14.9% | ||
| Q1 25 | 39.5% | -14.7% | ||
| Q4 24 | 36.9% | -11.8% | ||
| Q3 24 | 40.4% | -17.5% | ||
| Q2 24 | 15.4% | -26.5% |
| Q1 26 | — | -2.0% | ||
| Q4 25 | 40.0% | 8.1% | ||
| Q3 25 | 15.1% | 0.4% | ||
| Q2 25 | 32.3% | -5.1% | ||
| Q1 25 | 31.4% | -8.9% | ||
| Q4 24 | 35.2% | 9.2% | ||
| Q3 24 | 32.2% | 18.8% | ||
| Q2 24 | 13.5% | -23.5% |
| Q1 26 | — | $-0.01 | ||
| Q4 25 | $0.88 | $0.05 | ||
| Q3 25 | $0.36 | $0.00 | ||
| Q2 25 | $0.77 | $-0.03 | ||
| Q1 25 | $0.68 | $-0.05 | ||
| Q4 24 | $0.68 | $0.07 | ||
| Q3 24 | $0.65 | $0.10 | ||
| Q2 24 | $0.26 | $-0.12 |
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 | $40.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $70.2M |
| Total Assets | $2.1B | $83.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $40.5M | ||
| Q4 25 | $259.0M | $44.5M | ||
| Q3 25 | $272.4M | $45.3M | ||
| Q2 25 | $275.7M | $45.0M | ||
| Q1 25 | $241.0M | $42.2M | ||
| Q4 24 | $235.3M | $42.1M | ||
| Q3 24 | $233.5M | $39.6M | ||
| Q2 24 | $241.8M | $36.8M |
| Q1 26 | — | $70.2M | ||
| Q4 25 | $184.4M | $68.9M | ||
| Q3 25 | $179.3M | $65.8M | ||
| Q2 25 | $177.0M | $64.1M | ||
| Q1 25 | $172.7M | $63.0M | ||
| Q4 24 | $168.4M | $62.6M | ||
| Q3 24 | $164.0M | $59.3M | ||
| Q2 24 | $159.6M | $55.4M |
| Q1 26 | — | $83.2M | ||
| Q4 25 | $2.1B | $84.6M | ||
| Q3 25 | $2.1B | $80.3M | ||
| Q2 25 | $2.1B | $78.9M | ||
| Q1 25 | $2.1B | $80.2M | ||
| Q4 24 | $2.1B | $77.8M | ||
| Q3 24 | $2.1B | $72.6M | ||
| Q2 24 | $2.0B | $64.6M |
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 | $570.0K |
| 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.
| Q1 26 | — | $570.0K | ||
| Q4 25 | $18.7M | $2.6M | ||
| Q3 25 | $5.5M | $881.0K | ||
| Q2 25 | $8.0M | $5.0M | ||
| Q1 25 | $2.2M | $1.4M | ||
| Q4 24 | $14.2M | $3.8M | ||
| Q3 24 | $-1.3M | $2.8M | ||
| Q2 24 | $4.0M | $1.7M |
| Q1 26 | — | — | ||
| Q4 25 | $18.2M | $-975.0K | ||
| Q3 25 | $5.2M | $543.0K | ||
| Q2 25 | $7.8M | $3.0M | ||
| Q1 25 | $2.2M | $527.0K | ||
| Q4 24 | $13.9M | $2.1M | ||
| Q3 24 | $-1.3M | $2.8M | ||
| Q2 24 | $4.0M | $1.7M |
| Q1 26 | — | — | ||
| Q4 25 | 115.6% | -6.6% | ||
| Q3 25 | 33.6% | 3.9% | ||
| Q2 25 | 50.3% | 22.9% | ||
| Q1 25 | 15.2% | 4.0% | ||
| Q4 24 | 99.6% | 15.8% | ||
| Q3 24 | -9.9% | 22.9% | ||
| Q2 24 | 31.6% | 15.9% |
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 24.3% | ||
| Q3 25 | 1.7% | 2.4% | ||
| Q2 25 | 0.7% | 15.1% | ||
| Q1 25 | 0.4% | 6.9% | ||
| Q4 24 | 1.9% | 13.2% | ||
| Q3 24 | 0.2% | 0.5% | ||
| Q2 24 | 0.1% | 0.3% |
| Q1 26 | — | — | ||
| Q4 25 | 3.26× | 2.19× | ||
| Q3 25 | 2.34× | 16.31× | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | 3.16× | ||
| Q3 24 | -0.30× | 1.25× | ||
| Q2 24 | 2.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
MRAM
| Product sales | $14.1M | 95% |
| Licensing, royalty, patent, engineering services and other revenue | $772.0K | 5% |
