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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $13.5M, roughly 1.2× UNITED SECURITY BANCSHARES). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 25.2%, a 14.8% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs 12.6%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $18.2M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs 3.0%).
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.
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
CFBK vs UBFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $13.5M |
| Net Profit | $5.7M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 31.5% |
| Net Margin | 40.0% | 25.2% |
| Revenue YoY | 12.6% | 13.6% |
| Net Profit YoY | 29.9% | 36.8% |
| EPS (diluted) | $0.88 | $0.18 |
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 | $13.5M | ||
| Q3 25 | $15.5M | $14.0M | ||
| Q2 25 | $15.6M | $12.6M | ||
| Q1 25 | $14.1M | $13.7M | ||
| Q4 24 | $14.0M | $11.9M | ||
| Q3 24 | $13.1M | $13.8M | ||
| Q2 24 | $12.6M | $13.0M | ||
| Q1 24 | $12.2M | $12.8M |
| Q4 25 | $5.7M | $3.4M | ||
| Q3 25 | $2.3M | $4.0M | ||
| Q2 25 | $5.0M | $2.2M | ||
| Q1 25 | $4.4M | $2.7M | ||
| Q4 24 | $4.4M | $2.5M | ||
| Q3 24 | $4.2M | $3.8M | ||
| Q2 24 | $1.7M | $4.3M | ||
| Q1 24 | $3.1M | $4.2M |
| Q4 25 | 43.4% | 31.5% | ||
| Q3 25 | 17.5% | 40.3% | ||
| Q2 25 | 41.1% | 24.0% | ||
| Q1 25 | 39.5% | 27.5% | ||
| Q4 24 | 36.9% | 27.5% | ||
| Q3 24 | 40.4% | 37.1% | ||
| Q2 24 | 15.4% | 46.4% | ||
| Q1 24 | 30.9% | 45.9% |
| Q4 25 | 40.0% | 25.2% | ||
| Q3 25 | 15.1% | 28.7% | ||
| Q2 25 | 32.3% | 17.2% | ||
| Q1 25 | 31.4% | 19.6% | ||
| Q4 24 | 35.2% | 20.9% | ||
| Q3 24 | 32.2% | 27.7% | ||
| Q2 24 | 13.5% | 33.0% | ||
| Q1 24 | 25.2% | 32.6% |
| Q4 25 | $0.88 | $0.18 | ||
| Q3 25 | $0.36 | $0.23 | ||
| Q2 25 | $0.77 | $0.13 | ||
| Q1 25 | $0.68 | $0.16 | ||
| Q4 24 | $0.68 | $0.14 | ||
| Q3 24 | $0.65 | $0.22 | ||
| Q2 24 | $0.26 | $0.25 | ||
| Q1 24 | $0.47 | $0.24 |
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 | $264.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $139.7M |
| Total Assets | $2.1B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $264.2M | ||
| Q3 25 | $272.4M | $211.1M | ||
| Q2 25 | $275.7M | $199.5M | ||
| Q1 25 | $241.0M | $198.4M | ||
| Q4 24 | $235.3M | $216.9M | ||
| Q3 24 | $233.5M | $216.8M | ||
| Q2 24 | $241.8M | $166.3M | ||
| Q1 24 | $236.9M | $168.6M |
| Q4 25 | $184.4M | $139.7M | ||
| Q3 25 | $179.3M | $137.4M | ||
| Q2 25 | $177.0M | $134.3M | ||
| Q1 25 | $172.7M | $132.9M | ||
| Q4 24 | $168.4M | $130.4M | ||
| Q3 24 | $164.0M | $132.9M | ||
| Q2 24 | $159.6M | $127.3M | ||
| Q1 24 | $158.0M | $124.2M |
| Q4 25 | $2.1B | $1.2B | ||
| Q3 25 | $2.1B | $1.2B | ||
| Q2 25 | $2.1B | $1.2B | ||
| Q1 25 | $2.1B | $1.2B | ||
| Q4 24 | $2.1B | $1.2B | ||
| Q3 24 | $2.1B | $1.3B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | $1.2B |
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 | $22.1M |
| Free Cash FlowOCF − Capex | $18.2M | $19.8M |
| FCF MarginFCF / Revenue | 115.6% | 146.0% |
| Capex IntensityCapex / Revenue | 3.1% | 16.8% |
| Cash ConversionOCF / Net Profit | 3.26× | 6.46× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $22.1M | ||
| Q3 25 | $5.5M | $7.0M | ||
| Q2 25 | $8.0M | $8.7M | ||
| Q1 25 | $2.2M | $3.0M | ||
| Q4 24 | $14.2M | $19.6M | ||
| Q3 24 | $-1.3M | $5.4M | ||
| Q2 24 | $4.0M | $2.3M | ||
| Q1 24 | $-1.2M | $7.4M |
| Q4 25 | $18.2M | $19.8M | ||
| Q3 25 | $5.2M | $6.1M | ||
| Q2 25 | $7.8M | $8.1M | ||
| Q1 25 | $2.2M | $2.9M | ||
| Q4 24 | $13.9M | $18.6M | ||
| Q3 24 | $-1.3M | $5.3M | ||
| Q2 24 | $4.0M | $2.0M | ||
| Q1 24 | $-1.2M | $7.0M |
| Q4 25 | 115.6% | 146.0% | ||
| Q3 25 | 33.6% | 43.7% | ||
| Q2 25 | 50.3% | 64.3% | ||
| Q1 25 | 15.2% | 21.2% | ||
| Q4 24 | 99.6% | 156.0% | ||
| Q3 24 | -9.9% | 38.1% | ||
| Q2 24 | 31.6% | 15.5% | ||
| Q1 24 | -9.5% | 54.8% |
| Q4 25 | 3.1% | 16.8% | ||
| Q3 25 | 1.7% | 6.0% | ||
| Q2 25 | 0.7% | 4.6% | ||
| Q1 25 | 0.4% | 0.9% | ||
| Q4 24 | 1.9% | 8.7% | ||
| Q3 24 | 0.2% | 0.7% | ||
| Q2 24 | 0.1% | 2.2% | ||
| Q1 24 | 0.0% | 3.6% |
| Q4 25 | 3.26× | 6.46× | ||
| Q3 25 | 2.34× | 1.73× | ||
| Q2 25 | 1.58× | 4.01× | ||
| Q1 25 | 0.50× | 1.13× | ||
| Q4 24 | 3.21× | 7.87× | ||
| Q3 24 | -0.30× | 1.40× | ||
| Q2 24 | 2.35× | 0.54× | ||
| Q1 24 | -0.38× | 1.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
