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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and ORASURE TECHNOLOGIES INC (OSUR). Click either name above to swap in a different company.
ORASURE TECHNOLOGIES INC is the larger business by last-quarter revenue ($26.8M vs $15.7M, roughly 1.7× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -72.1%, a 112.1% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -28.5%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-9.9M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -29.7%).
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.
OraSure Technologies, Inc. is a Bethlehem, Pennsylvania–based company in the medical device industry. Their products include diagnostic testing kits. The company had recently developed OraQuick testing kit, the first over-the-counter home HIV test.
CFBK vs OSUR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $26.8M |
| Net Profit | $5.7M | $-19.3M |
| Gross Margin | — | 41.0% |
| Operating Margin | 43.4% | -75.1% |
| Net Margin | 40.0% | -72.1% |
| Revenue YoY | 12.6% | -28.5% |
| Net Profit YoY | 29.9% | -78.7% |
| EPS (diluted) | $0.88 | $-0.28 |
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 | $26.8M | ||
| Q3 25 | $15.5M | $27.1M | ||
| Q2 25 | $15.6M | $31.2M | ||
| Q1 25 | $14.1M | $29.9M | ||
| Q4 24 | $14.0M | $37.4M | ||
| Q3 24 | $13.1M | $39.9M | ||
| Q2 24 | $12.6M | $54.3M | ||
| Q1 24 | $12.2M | $54.1M |
| Q4 25 | $5.7M | $-19.3M | ||
| Q3 25 | $2.3M | $-13.7M | ||
| Q2 25 | $5.0M | $-19.7M | ||
| Q1 25 | $4.4M | $-16.0M | ||
| Q4 24 | $4.4M | $-10.8M | ||
| Q3 24 | $4.2M | $-4.5M | ||
| Q2 24 | $1.7M | $-615.0K | ||
| Q1 24 | $3.1M | $-3.6M |
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 43.5% | ||
| Q2 25 | — | 42.1% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 36.2% | ||
| Q3 24 | — | 42.8% | ||
| Q2 24 | — | 45.4% | ||
| Q1 24 | — | 44.5% |
| Q4 25 | 43.4% | -75.1% | ||
| Q3 25 | 17.5% | -59.4% | ||
| Q2 25 | 41.1% | -57.7% | ||
| Q1 25 | 39.5% | -59.3% | ||
| Q4 24 | 36.9% | -33.2% | ||
| Q3 24 | 40.4% | -15.0% | ||
| Q2 24 | 15.4% | -5.0% | ||
| Q1 24 | 30.9% | -13.1% |
| Q4 25 | 40.0% | -72.1% | ||
| Q3 25 | 15.1% | -50.6% | ||
| Q2 25 | 32.3% | -63.0% | ||
| Q1 25 | 31.4% | -53.6% | ||
| Q4 24 | 35.2% | -28.8% | ||
| Q3 24 | 32.2% | -11.3% | ||
| Q2 24 | 13.5% | -1.1% | ||
| Q1 24 | 25.2% | -6.6% |
| Q4 25 | $0.88 | $-0.28 | ||
| Q3 25 | $0.36 | $-0.19 | ||
| Q2 25 | $0.77 | $-0.26 | ||
| Q1 25 | $0.68 | $-0.21 | ||
| Q4 24 | $0.68 | $-0.14 | ||
| Q3 24 | $0.65 | $-0.06 | ||
| Q2 24 | $0.26 | $-0.01 | ||
| Q1 24 | $0.47 | $-0.05 |
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 | $199.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $340.8M |
| Total Assets | $2.1B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $199.3M | ||
| Q3 25 | $272.4M | $216.5M | ||
| Q2 25 | $275.7M | $234.6M | ||
| Q1 25 | $241.0M | $247.6M | ||
| Q4 24 | $235.3M | $267.8M | ||
| Q3 24 | $233.5M | $278.6M | ||
| Q2 24 | $241.8M | $267.4M | ||
| Q1 24 | $236.9M | $263.8M |
| Q4 25 | $184.4M | $340.8M | ||
| Q3 25 | $179.3M | $362.0M | ||
| Q2 25 | $177.0M | $380.7M | ||
| Q1 25 | $172.7M | $396.3M | ||
| Q4 24 | $168.4M | $410.3M | ||
| Q3 24 | $164.0M | $425.6M | ||
| Q2 24 | $159.6M | $425.8M | ||
| Q1 24 | $158.0M | $426.3M |
| Q4 25 | $2.1B | $403.2M | ||
| Q3 25 | $2.1B | $423.1M | ||
| Q2 25 | $2.1B | $445.0M | ||
| Q1 25 | $2.1B | $457.6M | ||
| Q4 24 | $2.1B | $479.7M | ||
| Q3 24 | $2.1B | $464.1M | ||
| Q2 24 | $2.0B | $466.3M | ||
| Q1 24 | $2.0B | $467.6M |
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 | $-9.0M |
| Free Cash FlowOCF − Capex | $18.2M | $-9.9M |
| FCF MarginFCF / Revenue | 115.6% | -37.1% |
| Capex IntensityCapex / Revenue | 3.1% | 3.4% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-53.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-9.0M | ||
| Q3 25 | $5.5M | $-10.1M | ||
| Q2 25 | $8.0M | $-10.2M | ||
| Q1 25 | $2.2M | $-19.7M | ||
| Q4 24 | $14.2M | $109.0K | ||
| Q3 24 | $-1.3M | $12.7M | ||
| Q2 24 | $4.0M | $7.8M | ||
| Q1 24 | $-1.2M | $6.7M |
| Q4 25 | $18.2M | $-9.9M | ||
| Q3 25 | $5.2M | $-11.0M | ||
| Q2 25 | $7.8M | $-12.2M | ||
| Q1 25 | $2.2M | $-20.2M | ||
| Q4 24 | $13.9M | $-347.0K | ||
| Q3 24 | $-1.3M | $12.5M | ||
| Q2 24 | $4.0M | $6.2M | ||
| Q1 24 | $-1.2M | $5.2M |
| Q4 25 | 115.6% | -37.1% | ||
| Q3 25 | 33.6% | -40.6% | ||
| Q2 25 | 50.3% | -38.9% | ||
| Q1 25 | 15.2% | -67.3% | ||
| Q4 24 | 99.6% | -0.9% | ||
| Q3 24 | -9.9% | 31.4% | ||
| Q2 24 | 31.6% | 11.5% | ||
| Q1 24 | -9.5% | 9.5% |
| Q4 25 | 3.1% | 3.4% | ||
| Q3 25 | 1.7% | 3.4% | ||
| Q2 25 | 0.7% | 6.2% | ||
| Q1 25 | 0.4% | 1.4% | ||
| Q4 24 | 1.9% | 1.2% | ||
| Q3 24 | 0.2% | 0.4% | ||
| Q2 24 | 0.1% | 3.0% | ||
| Q1 24 | 0.0% | 2.9% |
| 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.
OSUR
| Product And Services | $24.9M | 93% |
| Other | $1.9M | 7% |
