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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and ORION ENERGY SYSTEMS, INC. (OESX). Click either name above to swap in a different company.

ORION ENERGY SYSTEMS, INC. is the larger business by last-quarter revenue ($21.1M vs $15.7M, roughly 1.3× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 0.8%, a 39.3% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 7.7%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-1.1M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -10.6%).

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.

Orion Energy Systems, Inc. is an American LED lighting and intelligent controls enterprise, founded in Plymouth, Wisconsin, and headquartered in Manitowoc, Wisconsin

CFBK vs OESX — Head-to-Head

Bigger by revenue
OESX
OESX
1.3× larger
OESX
$21.1M
$15.7M
CFBK
Growing faster (revenue YoY)
CFBK
CFBK
+5.0% gap
CFBK
12.6%
7.7%
OESX
Higher net margin
CFBK
CFBK
39.3% more per $
CFBK
40.0%
0.8%
OESX
More free cash flow
CFBK
CFBK
$19.4M more FCF
CFBK
$18.2M
$-1.1M
OESX
Faster 2-yr revenue CAGR
CFBK
CFBK
Annualised
CFBK
13.7%
-10.6%
OESX

Income Statement — Q4 FY2025 vs Q3 FY2026

Metric
CFBK
CFBK
OESX
OESX
Revenue
$15.7M
$21.1M
Net Profit
$5.7M
$160.0K
Gross Margin
30.9%
Operating Margin
43.4%
1.8%
Net Margin
40.0%
0.8%
Revenue YoY
12.6%
7.7%
Net Profit YoY
29.9%
110.6%
EPS (diluted)
$0.88
$0.04

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.

Revenue
CFBK
CFBK
OESX
OESX
Q4 25
$15.7M
$21.1M
Q3 25
$15.5M
$19.9M
Q2 25
$15.6M
$19.6M
Q1 25
$14.1M
$20.9M
Q4 24
$14.0M
$19.6M
Q3 24
$13.1M
$19.4M
Q2 24
$12.6M
$19.9M
Q1 24
$12.2M
$26.4M
Net Profit
CFBK
CFBK
OESX
OESX
Q4 25
$5.7M
$160.0K
Q3 25
$2.3M
$-581.0K
Q2 25
$5.0M
$-1.2M
Q1 25
$4.4M
$-2.9M
Q4 24
$4.4M
$-1.5M
Q3 24
$4.2M
$-3.6M
Q2 24
$1.7M
$-3.8M
Q1 24
$3.1M
$1.6M
Gross Margin
CFBK
CFBK
OESX
OESX
Q4 25
30.9%
Q3 25
31.0%
Q2 25
30.1%
Q1 25
27.4%
Q4 24
29.4%
Q3 24
23.1%
Q2 24
21.6%
Q1 24
25.8%
Operating Margin
CFBK
CFBK
OESX
OESX
Q4 25
43.4%
1.8%
Q3 25
17.5%
-1.2%
Q2 25
41.1%
-5.2%
Q1 25
39.5%
-12.7%
Q4 24
36.9%
-6.4%
Q3 24
40.4%
-16.9%
Q2 24
15.4%
-17.2%
Q1 24
30.9%
6.8%
Net Margin
CFBK
CFBK
OESX
OESX
Q4 25
40.0%
0.8%
Q3 25
15.1%
-2.9%
Q2 25
32.3%
-6.4%
Q1 25
31.4%
-13.9%
Q4 24
35.2%
-7.7%
Q3 24
32.2%
-18.7%
Q2 24
13.5%
-18.9%
Q1 24
25.2%
6.1%
EPS (diluted)
CFBK
CFBK
OESX
OESX
Q4 25
$0.88
$0.04
Q3 25
$0.36
$-0.17
Q2 25
$0.77
$-0.04
Q1 25
$0.68
$1.32
Q4 24
$0.68
$-0.46
Q3 24
$0.65
$-1.10
Q2 24
$0.26
$-0.12
Q1 24
$0.47
$0.06

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CFBK
CFBK
OESX
OESX
Cash + ST InvestmentsLiquidity on hand
$259.0M
$4.7M
Total DebtLower is stronger
$9.8M
Stockholders' EquityBook value
$184.4M
$11.8M
Total Assets
$2.1B
$48.3M
Debt / EquityLower = less leverage
0.83×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CFBK
CFBK
OESX
OESX
Q4 25
$259.0M
$4.7M
Q3 25
$272.4M
$5.2M
Q2 25
$275.7M
$3.6M
Q1 25
$241.0M
$6.0M
Q4 24
$235.3M
$7.5M
Q3 24
$233.5M
$5.4M
Q2 24
$241.8M
$5.7M
Q1 24
$236.9M
$5.2M
Total Debt
CFBK
CFBK
OESX
OESX
Q4 25
$9.8M
Q3 25
$9.9M
Q2 25
$8.5M
Q1 25
$10.3M
Q4 24
Q3 24
$12.5M
Q2 24
$13.5M
Q1 24
$10.0M
Stockholders' Equity
CFBK
CFBK
OESX
OESX
Q4 25
$184.4M
$11.8M
Q3 25
$179.3M
$11.4M
Q2 25
$177.0M
$10.8M
Q1 25
$172.7M
$11.9M
Q4 24
$168.4M
$14.5M
Q3 24
$164.0M
$15.8M
Q2 24
$159.6M
$19.1M
Q1 24
$158.0M
$22.5M
Total Assets
CFBK
CFBK
OESX
OESX
Q4 25
$2.1B
$48.3M
Q3 25
$2.1B
$47.9M
Q2 25
$2.1B
$49.0M
Q1 25
$2.1B
$52.5M
Q4 24
$2.1B
$52.7M
Q3 24
$2.1B
$56.3M
Q2 24
$2.0B
$59.8M
Q1 24
$2.0B
$63.2M
Debt / Equity
CFBK
CFBK
OESX
OESX
Q4 25
0.83×
Q3 25
0.87×
Q2 25
0.79×
Q1 25
0.87×
Q4 24
Q3 24
0.79×
Q2 24
0.71×
Q1 24
0.44×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CFBK
CFBK
OESX
OESX
Operating Cash FlowLast quarter
$18.7M
$-897.0K
Free Cash FlowOCF − Capex
$18.2M
$-1.1M
FCF MarginFCF / Revenue
115.6%
-5.4%
Capex IntensityCapex / Revenue
3.1%
1.2%
Cash ConversionOCF / Net Profit
3.26×
-5.61×
TTM Free Cash FlowTrailing 4 quarters
$33.4M
$-905.0K

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CFBK
CFBK
OESX
OESX
Q4 25
$18.7M
$-897.0K
Q3 25
$5.5M
$1.8M
Q2 25
$8.0M
$-515.0K
Q1 25
$2.2M
$-699.0K
Q4 24
$14.2M
$3.8M
Q3 24
$-1.3M
$498.0K
Q2 24
$4.0M
$-3.0M
Q1 24
$-1.2M
$175.0K
Free Cash Flow
CFBK
CFBK
OESX
OESX
Q4 25
$18.2M
$-1.1M
Q3 25
$5.2M
$1.6M
Q2 25
$7.8M
$-570.0K
Q1 25
$2.2M
$-750.0K
Q4 24
$13.9M
$3.7M
Q3 24
$-1.3M
$493.0K
Q2 24
$4.0M
$-3.0M
Q1 24
$-1.2M
$144.0K
FCF Margin
CFBK
CFBK
OESX
OESX
Q4 25
115.6%
-5.4%
Q3 25
33.6%
7.9%
Q2 25
50.3%
-2.9%
Q1 25
15.2%
-3.6%
Q4 24
99.6%
19.1%
Q3 24
-9.9%
2.5%
Q2 24
31.6%
-15.0%
Q1 24
-9.5%
0.5%
Capex Intensity
CFBK
CFBK
OESX
OESX
Q4 25
3.1%
1.2%
Q3 25
1.7%
1.3%
Q2 25
0.7%
0.3%
Q1 25
0.4%
0.2%
Q4 24
1.9%
0.1%
Q3 24
0.2%
0.0%
Q2 24
0.1%
0.1%
Q1 24
0.0%
0.1%
Cash Conversion
CFBK
CFBK
OESX
OESX
Q4 25
3.26×
-5.61×
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×
0.11×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

CFBK
CFBK

Segment breakdown not available.

OESX
OESX

Lighting Product And Installation$11.9M56%
Electric Vehicle Charging Systems$4.7M22%
Maintenance Services$4.4M21%

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