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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $9.4M, roughly 1.7× Velo3D, Inc.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -231.9%, a 272.0% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -25.2%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-8.3M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -1.8%).
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.
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
CFBK vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $9.4M |
| Net Profit | $5.7M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | 43.4% | -231.0% |
| Net Margin | 40.0% | -231.9% |
| Revenue YoY | 12.6% | -25.2% |
| Net Profit YoY | 29.9% | -2.9% |
| EPS (diluted) | $0.88 | $-0.87 |
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 | $9.4M | ||
| Q3 25 | $15.5M | $13.6M | ||
| Q2 25 | $15.6M | $13.6M | ||
| Q1 25 | $14.1M | $9.3M | ||
| Q4 24 | $14.0M | $12.6M | ||
| Q3 24 | $13.1M | $8.2M | ||
| Q2 24 | $12.6M | $10.3M | ||
| Q1 24 | $12.2M | $9.8M |
| Q4 25 | $5.7M | $-21.9M | ||
| Q3 25 | $2.3M | $-11.2M | ||
| Q2 25 | $5.0M | $-13.3M | ||
| Q1 25 | $4.4M | $-25.0M | ||
| Q4 24 | $4.4M | $-21.3M | ||
| Q3 24 | $4.2M | $-21.9M | ||
| Q2 24 | $1.7M | $935.0K | ||
| Q1 24 | $3.1M | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 43.4% | -231.0% | ||
| Q3 25 | 17.5% | -73.3% | ||
| Q2 25 | 41.1% | -85.4% | ||
| Q1 25 | 39.5% | -123.6% | ||
| Q4 24 | 36.9% | -167.0% | ||
| Q3 24 | 40.4% | -213.8% | ||
| Q2 24 | 15.4% | -187.7% | ||
| Q1 24 | 30.9% | -211.1% |
| Q4 25 | 40.0% | -231.9% | ||
| Q3 25 | 15.1% | -82.0% | ||
| Q2 25 | 32.3% | -97.7% | ||
| Q1 25 | 31.4% | -268.4% | ||
| Q4 24 | 35.2% | -168.5% | ||
| Q3 24 | 32.2% | -265.3% | ||
| Q2 24 | 13.5% | 9.0% | ||
| Q1 24 | 25.2% | -281.2% |
| Q4 25 | $0.88 | $-0.87 | ||
| Q3 25 | $0.36 | $-0.65 | ||
| Q2 25 | $0.77 | $-0.94 | ||
| Q1 25 | $0.68 | $-1.87 | ||
| Q4 24 | $0.68 | $7.06 | ||
| Q3 24 | $0.65 | $-35.52 | ||
| Q2 24 | $0.26 | $1.65 | ||
| Q1 24 | $0.47 | $-55.51 |
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 | $39.0M |
| Total DebtLower is stronger | — | $31.0M |
| Stockholders' EquityBook value | $184.4M | $38.2M |
| Total Assets | $2.1B | $105.3M |
| Debt / EquityLower = less leverage | — | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $39.0M | ||
| Q3 25 | $272.4M | $11.8M | ||
| Q2 25 | $275.7M | $854.0K | ||
| Q1 25 | $241.0M | $3.9M | ||
| Q4 24 | $235.3M | $1.2M | ||
| Q3 24 | $233.5M | $1.6M | ||
| Q2 24 | $241.8M | $3.2M | ||
| Q1 24 | $236.9M | $10.9M |
| Q4 25 | — | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
| Q4 25 | $184.4M | $38.2M | ||
| Q3 25 | $179.3M | $29.9M | ||
| Q2 25 | $177.0M | $21.4M | ||
| Q1 25 | $172.7M | $32.8M | ||
| Q4 24 | $168.4M | $39.7M | ||
| Q3 24 | $164.0M | $34.4M | ||
| Q2 24 | $159.6M | $52.1M | ||
| Q1 24 | $158.0M | $45.5M |
| Q4 25 | $2.1B | $105.3M | ||
| Q3 25 | $2.1B | $93.7M | ||
| Q2 25 | $2.1B | $78.4M | ||
| Q1 25 | $2.1B | $91.3M | ||
| Q4 24 | $2.1B | $89.2M | ||
| Q3 24 | $2.1B | $110.8M | ||
| Q2 24 | $2.0B | $116.7M | ||
| Q1 24 | $2.0B | $136.1M |
| Q4 25 | — | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
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 | $-7.7M |
| Free Cash FlowOCF − Capex | $18.2M | $-8.3M |
| FCF MarginFCF / Revenue | 115.6% | -88.3% |
| Capex IntensityCapex / Revenue | 3.1% | 6.4% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $-7.7M | ||
| Q3 25 | $5.5M | $-6.0M | ||
| Q2 25 | $8.0M | $-1.2M | ||
| Q1 25 | $2.2M | $-12.3M | ||
| Q4 24 | $14.2M | $-2.2M | ||
| Q3 24 | $-1.3M | $-2.0M | ||
| Q2 24 | $4.0M | $-8.0M | ||
| Q1 24 | $-1.2M | $-20.5M |
| Q4 25 | $18.2M | $-8.3M | ||
| Q3 25 | $5.2M | $-6.3M | ||
| Q2 25 | $7.8M | $-3.0M | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $13.9M | $-2.2M | ||
| Q3 24 | $-1.3M | $-2.0M | ||
| Q2 24 | $4.0M | $-8.0M | ||
| Q1 24 | $-1.2M | $-20.5M |
| Q4 25 | 115.6% | -88.3% | ||
| Q3 25 | 33.6% | -46.5% | ||
| Q2 25 | 50.3% | -22.2% | ||
| Q1 25 | 15.2% | — | ||
| Q4 24 | 99.6% | -17.7% | ||
| Q3 24 | -9.9% | -24.2% | ||
| Q2 24 | 31.6% | -77.1% | ||
| Q1 24 | -9.5% | -209.8% |
| Q4 25 | 3.1% | 6.4% | ||
| Q3 25 | 1.7% | 2.3% | ||
| Q2 25 | 0.7% | 13.3% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 1.9% | 0.2% | ||
| Q3 24 | 0.2% | 0.2% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 0.0% | 0.1% |
| 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× | -8.52× | ||
| Q1 24 | -0.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
