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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and PURE CYCLE CORP (PCYO). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $9.1M, roughly 1.7× PURE CYCLE CORP). PURE CYCLE CORP runs the higher net margin — 50.0% vs 40.0%, a 9.9% gap on every dollar of revenue. On growth, PURE CYCLE CORP posted the faster year-over-year revenue change (58.8% vs 12.6%). Over the past eight quarters, PURE CYCLE CORP's revenue compounded faster (69.0% 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.
Pure Cycles, is a bicycle company based in Los Angeles, California that was founded by Michael Fishman, Jordan Schau, Zachary Schau and Austin Stoffers in 2010, as Pure Fix Cycles.
CFBK vs PCYO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $9.1M |
| Net Profit | $5.7M | $4.6M |
| Gross Margin | — | 68.4% |
| Operating Margin | 43.4% | 48.0% |
| Net Margin | 40.0% | 50.0% |
| Revenue YoY | 12.6% | 58.8% |
| Net Profit YoY | 29.9% | 16.0% |
| EPS (diluted) | $0.88 | $0.19 |
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 | $9.1M | ||
| Q3 25 | $15.5M | $11.2M | ||
| Q2 25 | $15.6M | $5.1M | ||
| Q1 25 | $14.1M | $4.0M | ||
| Q4 24 | $14.0M | $5.8M | ||
| Q3 24 | $13.1M | $12.6M | ||
| Q2 24 | $12.6M | $7.6M | ||
| Q1 24 | $12.2M | $3.2M |
| Q4 25 | $5.7M | $4.6M | ||
| Q3 25 | $2.3M | $6.1M | ||
| Q2 25 | $5.0M | $2.3M | ||
| Q1 25 | $4.4M | $809.0K | ||
| Q4 24 | $4.4M | $3.9M | ||
| Q3 24 | $4.2M | $6.6M | ||
| Q2 24 | $1.7M | $2.8M | ||
| Q1 24 | $3.1M | $118.0K |
| Q4 25 | — | 68.4% | ||
| Q3 25 | — | 67.7% | ||
| Q2 25 | — | 63.4% | ||
| Q1 25 | — | 38.2% | ||
| Q4 24 | — | 63.8% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 64.0% | ||
| Q1 24 | — | 55.6% |
| Q4 25 | 43.4% | 48.0% | ||
| Q3 25 | 17.5% | 53.1% | ||
| Q2 25 | 41.1% | 26.0% | ||
| Q1 25 | 39.5% | -33.2% | ||
| Q4 24 | 36.9% | 29.9% | ||
| Q3 24 | 40.4% | 62.0% | ||
| Q2 24 | 15.4% | 40.3% | ||
| Q1 24 | 30.9% | -11.5% |
| Q4 25 | 40.0% | 50.0% | ||
| Q3 25 | 15.1% | 54.5% | ||
| Q2 25 | 32.3% | 43.9% | ||
| Q1 25 | 31.4% | 20.3% | ||
| Q4 24 | 35.2% | 68.4% | ||
| Q3 24 | 32.2% | 52.6% | ||
| Q2 24 | 13.5% | 37.2% | ||
| Q1 24 | 25.2% | 3.7% |
| Q4 25 | $0.88 | $0.19 | ||
| Q3 25 | $0.36 | $0.26 | ||
| Q2 25 | $0.77 | $0.09 | ||
| Q1 25 | $0.68 | $0.03 | ||
| Q4 24 | $0.68 | $0.16 | ||
| Q3 24 | $0.65 | $0.27 | ||
| Q2 24 | $0.26 | $0.12 | ||
| Q1 24 | $0.47 | $0.00 |
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 | $17.1M |
| Total DebtLower is stronger | — | $8.0M |
| Stockholders' EquityBook value | $184.4M | $147.5M |
| Total Assets | $2.1B | $168.1M |
| Debt / EquityLower = less leverage | — | 0.05× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $17.1M | ||
| Q3 25 | $272.4M | $21.9M | ||
| Q2 25 | $275.7M | $14.4M | ||
| Q1 25 | $241.0M | $16.5M | ||
| Q4 24 | $235.3M | $19.0M | ||
| Q3 24 | $233.5M | $22.1M | ||
| Q2 24 | $241.8M | $20.5M | ||
| Q1 24 | $236.9M | $20.6M |
| Q4 25 | — | $8.0M | ||
| Q3 25 | — | $6.8M | ||
| Q2 25 | — | $6.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $6.9M | ||
| Q3 24 | — | $6.9M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $184.4M | $147.5M | ||
| Q3 25 | $179.3M | $142.7M | ||
| Q2 25 | $177.0M | $136.7M | ||
| Q1 25 | $172.7M | $134.4M | ||
| Q4 24 | $168.4M | $133.6M | ||
| Q3 24 | $164.0M | $129.7M | ||
| Q2 24 | $159.6M | $123.2M | ||
| Q1 24 | $158.0M | $120.4M |
| Q4 25 | $2.1B | $168.1M | ||
| Q3 25 | $2.1B | $162.3M | ||
| Q2 25 | $2.1B | $151.7M | ||
| Q1 25 | $2.1B | $149.7M | ||
| Q4 24 | $2.1B | $149.7M | ||
| Q3 24 | $2.1B | $147.4M | ||
| Q2 24 | $2.0B | $140.4M | ||
| Q1 24 | $2.0B | $135.2M |
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | — | 0.05× | ||
| Q3 24 | — | 0.05× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-979.0K |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | 3.26× | -0.21× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-979.0K | ||
| Q3 25 | $5.5M | $9.4M | ||
| Q2 25 | $8.0M | $-503.0K | ||
| Q1 25 | $2.2M | $-1.4M | ||
| Q4 24 | $14.2M | $5.7M | ||
| Q3 24 | $-1.3M | $3.1M | ||
| Q2 24 | $4.0M | $892.0K | ||
| Q1 24 | $-1.2M | $-457.0K |
| 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× | -0.21× | ||
| Q3 25 | 2.34× | 1.53× | ||
| Q2 25 | 1.58× | -0.22× | ||
| Q1 25 | 0.50× | -1.70× | ||
| Q4 24 | 3.21× | 1.44× | ||
| Q3 24 | -0.30× | 0.47× | ||
| Q2 24 | 2.35× | 0.32× | ||
| Q1 24 | -0.38× | -3.87× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFBK
Segment breakdown not available.
PCYO
| Construction | $6.5M | 71% |
| Water And Wastewater Resource Development Segment | $2.5M | 27% |
