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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and R F INDUSTRIES LTD (RFIL). Click either name above to swap in a different company.
R F INDUSTRIES LTD is the larger business by last-quarter revenue ($22.7M vs $15.7M, roughly 1.4× 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, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 12.6%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% 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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
CFBK vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $22.7M |
| Net Profit | $5.7M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 43.4% | 4.0% |
| Net Margin | 40.0% | 0.8% |
| Revenue YoY | 12.6% | 22.9% |
| Net Profit YoY | 29.9% | 172.7% |
| EPS (diluted) | $0.88 | $0.01 |
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 | $22.7M | ||
| Q3 25 | $15.5M | $19.8M | ||
| Q2 25 | $15.6M | $18.9M | ||
| Q1 25 | $14.1M | $19.2M | ||
| Q4 24 | $14.0M | $18.5M | ||
| Q3 24 | $13.1M | $16.8M | ||
| Q2 24 | $12.6M | $16.1M | ||
| Q1 24 | $12.2M | $13.5M |
| Q4 25 | $5.7M | $173.0K | ||
| Q3 25 | $2.3M | $392.0K | ||
| Q2 25 | $5.0M | $-245.0K | ||
| Q1 25 | $4.4M | $-245.0K | ||
| Q4 24 | $4.4M | $-238.0K | ||
| Q3 24 | $4.2M | $-705.0K | ||
| Q2 24 | $1.7M | $-4.3M | ||
| Q1 24 | $3.1M | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 43.4% | 4.0% | ||
| Q3 25 | 17.5% | 3.6% | ||
| Q2 25 | 41.1% | 0.6% | ||
| Q1 25 | 39.5% | 0.3% | ||
| Q4 24 | 36.9% | 0.5% | ||
| Q3 24 | 40.4% | -2.5% | ||
| Q2 24 | 15.4% | -2.6% | ||
| Q1 24 | 30.9% | -15.5% |
| Q4 25 | 40.0% | 0.8% | ||
| Q3 25 | 15.1% | 2.0% | ||
| Q2 25 | 32.3% | -1.3% | ||
| Q1 25 | 31.4% | -1.3% | ||
| Q4 24 | 35.2% | -1.3% | ||
| Q3 24 | 32.2% | -4.2% | ||
| Q2 24 | 13.5% | -26.7% | ||
| Q1 24 | 25.2% | -10.1% |
| Q4 25 | $0.88 | $0.01 | ||
| Q3 25 | $0.36 | $0.04 | ||
| Q2 25 | $0.77 | $-0.02 | ||
| Q1 25 | $0.68 | $-0.02 | ||
| Q4 24 | $0.68 | $-0.02 | ||
| Q3 24 | $0.65 | $-0.07 | ||
| Q2 24 | $0.26 | $-0.41 | ||
| Q1 24 | $0.47 | $-0.13 |
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 | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $35.2M |
| Total Assets | $2.1B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $5.1M | ||
| Q3 25 | $272.4M | $3.0M | ||
| Q2 25 | $275.7M | $3.6M | ||
| Q1 25 | $241.0M | $1.3M | ||
| Q4 24 | $235.3M | $839.0K | ||
| Q3 24 | $233.5M | $1.8M | ||
| Q2 24 | $241.8M | $1.4M | ||
| Q1 24 | $236.9M | $4.5M |
| Q4 25 | $184.4M | $35.2M | ||
| Q3 25 | $179.3M | $34.8M | ||
| Q2 25 | $177.0M | $34.2M | ||
| Q1 25 | $172.7M | $34.2M | ||
| Q4 24 | $168.4M | $34.1M | ||
| Q3 24 | $164.0M | $34.1M | ||
| Q2 24 | $159.6M | $34.6M | ||
| Q1 24 | $158.0M | $38.7M |
| Q4 25 | $2.1B | $73.0M | ||
| Q3 25 | $2.1B | $73.2M | ||
| Q2 25 | $2.1B | $72.7M | ||
| Q1 25 | $2.1B | $70.4M | ||
| Q4 24 | $2.1B | $71.0M | ||
| Q3 24 | $2.1B | $71.9M | ||
| Q2 24 | $2.0B | $72.8M | ||
| Q1 24 | $2.0B | $79.1M |
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 | $2.1M |
| Free Cash FlowOCF − Capex | $18.2M | $2.0M |
| FCF MarginFCF / Revenue | 115.6% | 9.0% |
| Capex IntensityCapex / Revenue | 3.1% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.26× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $2.1M | ||
| Q3 25 | $5.5M | $-311.0K | ||
| Q2 25 | $8.0M | $2.2M | ||
| Q1 25 | $2.2M | $601.0K | ||
| Q4 24 | $14.2M | $-244.0K | ||
| Q3 24 | $-1.3M | $2.4M | ||
| Q2 24 | $4.0M | $197.0K | ||
| Q1 24 | $-1.2M | $840.0K |
| Q4 25 | $18.2M | $2.0M | ||
| Q3 25 | $5.2M | $-419.0K | ||
| Q2 25 | $7.8M | $2.2M | ||
| Q1 25 | $2.2M | $574.0K | ||
| Q4 24 | $13.9M | $-418.0K | ||
| Q3 24 | $-1.3M | $2.1M | ||
| Q2 24 | $4.0M | $28.0K | ||
| Q1 24 | $-1.2M | $697.0K |
| Q4 25 | 115.6% | 9.0% | ||
| Q3 25 | 33.6% | -2.1% | ||
| Q2 25 | 50.3% | 11.4% | ||
| Q1 25 | 15.2% | 3.0% | ||
| Q4 24 | 99.6% | -2.3% | ||
| Q3 24 | -9.9% | 12.6% | ||
| Q2 24 | 31.6% | 0.2% | ||
| Q1 24 | -9.5% | 5.2% |
| Q4 25 | 3.1% | 0.3% | ||
| Q3 25 | 1.7% | 0.5% | ||
| Q2 25 | 0.7% | 0.2% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 1.9% | 0.9% | ||
| Q3 24 | 0.2% | 1.5% | ||
| Q2 24 | 0.1% | 1.0% | ||
| Q1 24 | 0.0% | 1.1% |
| Q4 25 | 3.26× | 12.13× | ||
| Q3 25 | 2.34× | -0.79× | ||
| 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.
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
