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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and NextPlat Corp (NXPL). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $12.8M, roughly 1.2× NextPlat Corp). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -40.2%, a 80.2% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -21.1%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-339.0K). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -14.4%).
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.
CFBK vs NXPL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $12.8M |
| Net Profit | $5.7M | $-5.1M |
| Gross Margin | — | 14.3% |
| Operating Margin | 43.4% | -28.9% |
| Net Margin | 40.0% | -40.2% |
| Revenue YoY | 12.6% | -21.1% |
| Net Profit YoY | 29.9% | -70.6% |
| 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 | $12.8M | ||
| Q3 25 | $15.5M | $13.8M | ||
| Q2 25 | $15.6M | $13.2M | ||
| Q1 25 | $14.1M | $14.5M | ||
| Q4 24 | $14.0M | $16.2M | ||
| Q3 24 | $13.1M | $15.4M | ||
| Q2 24 | $12.6M | $17.0M | ||
| Q1 24 | $12.2M | $17.5M |
| Q4 25 | $5.7M | $-5.1M | ||
| Q3 25 | $2.3M | $-2.2M | ||
| Q2 25 | $5.0M | $-1.8M | ||
| Q1 25 | $4.4M | $-1.3M | ||
| Q4 24 | $4.4M | $-3.0M | ||
| Q3 24 | $4.2M | $-4.2M | ||
| Q2 24 | $1.7M | $-5.3M | ||
| Q1 24 | $3.1M | $-1.5M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 19.9% | ||
| Q2 25 | — | 21.8% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 16.8% | ||
| Q3 24 | — | 23.2% | ||
| Q2 24 | — | 34.5% | ||
| Q1 24 | — | 27.8% |
| Q4 25 | 43.4% | -28.9% | ||
| Q3 25 | 17.5% | -14.5% | ||
| Q2 25 | 41.1% | -13.8% | ||
| Q1 25 | 39.5% | -10.2% | ||
| Q4 24 | 36.9% | -14.1% | ||
| Q3 24 | 40.4% | -52.1% | ||
| Q2 24 | 15.4% | -64.1% | ||
| Q1 24 | 30.9% | -10.5% |
| Q4 25 | 40.0% | -40.2% | ||
| Q3 25 | 15.1% | -15.9% | ||
| Q2 25 | 32.3% | -13.5% | ||
| Q1 25 | 31.4% | -9.2% | ||
| Q4 24 | 35.2% | -18.6% | ||
| Q3 24 | 32.2% | -27.4% | ||
| Q2 24 | 13.5% | -31.3% | ||
| Q1 24 | 25.2% | -8.5% |
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | — | ||
| Q2 25 | $0.77 | — | ||
| Q1 25 | $0.68 | $-0.05 | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.65 | $-0.22 | ||
| Q2 24 | $0.26 | — | ||
| 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 | $13.7M |
| Total DebtLower is stronger | — | $1.3M |
| Stockholders' EquityBook value | $184.4M | $17.3M |
| Total Assets | $2.1B | $27.5M |
| Debt / EquityLower = less leverage | — | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $13.7M | ||
| Q3 25 | $272.4M | $13.9M | ||
| Q2 25 | $275.7M | $16.6M | ||
| Q1 25 | $241.0M | $17.7M | ||
| Q4 24 | $235.3M | $20.0M | ||
| Q3 24 | $233.5M | $20.4M | ||
| Q2 24 | $241.8M | $24.9M | ||
| Q1 24 | $236.9M | $23.5M |
| Q4 25 | — | $1.3M | ||
| Q3 25 | — | $1.2M | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $1.5M | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $1.4M |
| Q4 25 | $184.4M | $17.3M | ||
| Q3 25 | $179.3M | $21.4M | ||
| Q2 25 | $177.0M | $23.5M | ||
| Q1 25 | $172.7M | $25.3M | ||
| Q4 24 | $168.4M | $27.3M | ||
| Q3 24 | $164.0M | $22.5M | ||
| Q2 24 | $159.6M | $26.5M | ||
| Q1 24 | $158.0M | $31.2M |
| Q4 25 | $2.1B | $27.5M | ||
| Q3 25 | $2.1B | $30.0M | ||
| Q2 25 | $2.1B | $31.0M | ||
| Q1 25 | $2.1B | $35.2M | ||
| Q4 24 | $2.1B | $37.1M | ||
| Q3 24 | $2.1B | $41.1M | ||
| Q2 24 | $2.0B | $51.5M | ||
| Q1 24 | $2.0B | $65.1M |
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | — | 0.05× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.05× | ||
| Q1 24 | — | 0.04× |
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 | $-302.0K |
| Free Cash FlowOCF − Capex | $18.2M | $-339.0K |
| FCF MarginFCF / Revenue | 115.6% | -2.6% |
| Capex IntensityCapex / Revenue | 3.1% | 0.3% |
| 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 | $-302.0K | ||
| Q3 25 | $5.5M | $-2.7M | ||
| Q2 25 | $8.0M | $-1.0M | ||
| Q1 25 | $2.2M | $-2.1M | ||
| Q4 24 | $14.2M | $-476.0K | ||
| Q3 24 | $-1.3M | $-4.6M | ||
| Q2 24 | $4.0M | $2.3M | ||
| Q1 24 | $-1.2M | $-2.7M |
| Q4 25 | $18.2M | $-339.0K | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $7.8M | $-1.1M | ||
| Q1 25 | $2.2M | $-2.1M | ||
| Q4 24 | $13.9M | $-508.0K | ||
| Q3 24 | $-1.3M | $-4.7M | ||
| Q2 24 | $4.0M | $2.2M | ||
| Q1 24 | $-1.2M | $-2.7M |
| Q4 25 | 115.6% | -2.6% | ||
| Q3 25 | 33.6% | — | ||
| Q2 25 | 50.3% | -8.0% | ||
| Q1 25 | 15.2% | -14.3% | ||
| Q4 24 | 99.6% | -3.1% | ||
| Q3 24 | -9.9% | -30.6% | ||
| Q2 24 | 31.6% | 13.2% | ||
| Q1 24 | -9.5% | -15.7% |
| Q4 25 | 3.1% | 0.3% | ||
| Q3 25 | 1.7% | 0.0% | ||
| Q2 25 | 0.7% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 1.9% | 0.2% | ||
| Q3 24 | 0.2% | 0.6% | ||
| Q2 24 | 0.1% | 0.4% | ||
| Q1 24 | 0.0% | 0.4% |
| 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.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
NXPL
| Healthcare Operations | $9.0M | 70% |
| Ecommerce Revenue | $3.8M | 30% |
