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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and NEW ENGLAND REALTY ASSOCIATES LIMITED PARTNERSHIP (NEN). Click either name above to swap in a different company.
NEW ENGLAND REALTY ASSOCIATES LIMITED PARTNERSHIP is the larger business by last-quarter revenue ($23.6M vs $15.7M, roughly 1.5× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -677.3%, a 717.4% gap on every dollar of revenue. On growth, NEW ENGLAND REALTY ASSOCIATES LIMITED PARTNERSHIP 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 8.9%).
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.
New England Realty Associates Limited Partnership is a real estate investment entity that owns, operates and manages residential and commercial properties primarily across the U.S. New England region. Its core assets include multifamily apartments, mixed-use properties and small commercial spaces, serving tenants across Massachusetts, New Hampshire and adjacent states, delivering steady returns to unitholders via rental income and property value growth.
CFBK vs NEN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $23.6M |
| Net Profit | $5.7M | $-1.4M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 14.0% |
| Net Margin | 40.0% | -677.3% |
| Revenue YoY | 12.6% | 15.7% |
| Net Profit YoY | 29.9% | -133.0% |
| EPS (diluted) | $0.88 | — |
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 | $23.6M | ||
| Q3 25 | $15.5M | $23.7M | ||
| Q2 25 | $15.6M | $21.2M | ||
| Q1 25 | $14.1M | $20.7M | ||
| Q4 24 | $14.0M | $20.4M | ||
| Q3 24 | $13.1M | $20.2M | ||
| Q2 24 | $12.6M | $20.1M | ||
| Q1 24 | $12.2M | $19.9M |
| Q4 25 | $5.7M | $-1.4M | ||
| Q3 25 | $2.3M | $-521.8K | ||
| Q2 25 | $5.0M | $4.1M | ||
| Q1 25 | $4.4M | $3.8M | ||
| Q4 24 | $4.4M | $4.2M | ||
| Q3 24 | $4.2M | $3.9M | ||
| Q2 24 | $1.7M | $4.1M | ||
| Q1 24 | $3.1M | $3.5M |
| Q4 25 | 43.4% | 14.0% | ||
| Q3 25 | 17.5% | 20.0% | ||
| Q2 25 | 41.1% | 33.3% | ||
| Q1 25 | 39.5% | 30.1% | ||
| Q4 24 | 36.9% | 32.4% | ||
| Q3 24 | 40.4% | 32.0% | ||
| Q2 24 | 15.4% | 32.6% | ||
| Q1 24 | 30.9% | 28.9% |
| Q4 25 | 40.0% | -677.3% | ||
| Q3 25 | 15.1% | -2.2% | ||
| Q2 25 | 32.3% | 19.5% | ||
| Q1 25 | 31.4% | 18.3% | ||
| Q4 24 | 35.2% | 20.7% | ||
| Q3 24 | 32.2% | 19.3% | ||
| Q2 24 | 13.5% | 20.3% | ||
| Q1 24 | 25.2% | 17.4% |
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | — | ||
| Q2 25 | $0.77 | — | ||
| Q1 25 | $0.68 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.65 | — | ||
| Q2 24 | $0.26 | — | ||
| Q1 24 | $0.47 | — |
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 | $26.7M |
| Total DebtLower is stronger | — | $531.0M |
| Stockholders' EquityBook value | $184.4M | — |
| Total Assets | $2.1B | $505.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $26.7M | ||
| Q3 25 | $272.4M | $13.4M | ||
| Q2 25 | $275.7M | $16.7M | ||
| Q1 25 | $241.0M | $30.9M | ||
| Q4 24 | $235.3M | $17.6M | ||
| Q3 24 | $233.5M | $15.1M | ||
| Q2 24 | $241.8M | $13.5M | ||
| Q1 24 | $236.9M | $28.8M |
| Q4 25 | — | $531.0M | ||
| Q3 25 | — | $514.2M | ||
| Q2 25 | — | $514.3M | ||
| Q1 25 | — | $407.8M | ||
| Q4 24 | — | $408.6M | ||
| Q3 24 | — | $409.3M | ||
| Q2 24 | — | $410.0M | ||
| Q1 24 | — | $410.7M |
| Q4 25 | $184.4M | — | ||
| Q3 25 | $179.3M | — | ||
| Q2 25 | $177.0M | — | ||
| Q1 25 | $172.7M | — | ||
| Q4 24 | $168.4M | — | ||
| Q3 24 | $164.0M | — | ||
| Q2 24 | $159.6M | — | ||
| Q1 24 | $158.0M | — |
| Q4 25 | $2.1B | $505.3M | ||
| Q3 25 | $2.1B | $492.9M | ||
| Q2 25 | $2.1B | $494.8M | ||
| Q1 25 | $2.1B | $385.2M | ||
| Q4 24 | $2.1B | $393.5M | ||
| Q3 24 | $2.1B | $387.4M | ||
| Q2 24 | $2.0B | $383.7M | ||
| Q1 24 | $2.0B | $381.2M |
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 | $27.7M |
| 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 | $27.7M | ||
| Q3 25 | $5.5M | $2.3M | ||
| Q2 25 | $8.0M | $12.5M | ||
| Q1 25 | $2.2M | $5.5M | ||
| Q4 24 | $14.2M | $31.9M | ||
| Q3 24 | $-1.3M | $8.5M | ||
| Q2 24 | $4.0M | $5.4M | ||
| Q1 24 | $-1.2M | $6.1M |
| 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× | 3.02× | ||
| Q1 25 | 0.50× | 1.44× | ||
| Q4 24 | 3.21× | 7.57× | ||
| Q3 24 | -0.30× | 2.17× | ||
| Q2 24 | 2.35× | 1.32× | ||
| Q1 24 | -0.38× | 1.77× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
