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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Village Farms International, Inc. (VFF). Click either name above to swap in a different company.
CF BANKSHARES INC. is the larger business by last-quarter revenue ($15.7M vs $12.2M, roughly 1.3× Village Farms International, Inc.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 19.9%, a 20.2% gap on every dollar of revenue. On growth, Village Farms International, Inc. posted the faster year-over-year revenue change (31.5% vs 12.6%).
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.
Grafton Village Cheese Company is a cheesemaker in the town of Grafton in the U.S. state of Vermont. The company produces hand-crafted aged cheddar cheese.
CFBK vs VFF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $12.2M |
| Net Profit | $5.7M | $2.4M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | — |
| Net Margin | 40.0% | 19.9% |
| Revenue YoY | 12.6% | 31.5% |
| Net Profit YoY | 29.9% | 128.2% |
| 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 | $12.2M | ||
| Q3 25 | $15.5M | $66.7M | ||
| Q2 25 | $15.6M | $59.9M | ||
| Q1 25 | $14.1M | $77.1M | ||
| Q4 24 | $14.0M | — | ||
| Q3 24 | $13.1M | $54.9M | ||
| Q2 24 | $12.6M | $53.6M | ||
| Q1 24 | $12.2M | $78.1M |
| Q4 25 | $5.7M | $2.4M | ||
| Q3 25 | $2.3M | $10.2M | ||
| Q2 25 | $5.0M | $26.5M | ||
| Q1 25 | $4.4M | $-6.7M | ||
| Q4 24 | $4.4M | — | ||
| Q3 24 | $4.2M | $-820.0K | ||
| Q2 24 | $1.7M | $-23.5M | ||
| Q1 24 | $3.1M | $-2.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | 47.9% | ||
| Q2 25 | — | 37.3% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 24.8% | ||
| Q2 24 | — | 25.4% | ||
| Q1 24 | — | 19.9% |
| Q4 25 | 43.4% | — | ||
| Q3 25 | 17.5% | 23.3% | ||
| Q2 25 | 41.1% | 20.8% | ||
| Q1 25 | 39.5% | -8.0% | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 40.4% | 3.8% | ||
| Q2 24 | 15.4% | -43.5% | ||
| Q1 24 | 30.9% | -3.0% |
| Q4 25 | 40.0% | 19.9% | ||
| Q3 25 | 15.1% | 15.3% | ||
| Q2 25 | 32.3% | 44.2% | ||
| Q1 25 | 31.4% | -8.7% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | 32.2% | -1.5% | ||
| Q2 24 | 13.5% | -43.9% | ||
| Q1 24 | 25.2% | -3.7% |
| Q4 25 | $0.88 | $0.01 | ||
| Q3 25 | $0.36 | $0.08 | ||
| Q2 25 | $0.77 | $0.24 | ||
| Q1 25 | $0.68 | $-0.06 | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.65 | $-0.01 | ||
| Q2 24 | $0.26 | $-0.21 | ||
| Q1 24 | $0.47 | $-0.03 |
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 | $81.2M |
| Total DebtLower is stronger | — | $33.7M |
| Stockholders' EquityBook value | $184.4M | $299.9M |
| Total Assets | $2.1B | $423.1M |
| Debt / EquityLower = less leverage | — | 0.11× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $81.2M | ||
| Q3 25 | $272.4M | $82.6M | ||
| Q2 25 | $275.7M | $60.0M | ||
| Q1 25 | $241.0M | $15.1M | ||
| Q4 24 | $235.3M | — | ||
| Q3 24 | $233.5M | $28.7M | ||
| Q2 24 | $241.8M | $29.7M | ||
| Q1 24 | $236.9M | $26.7M |
| Q4 25 | — | $33.7M | ||
| Q3 25 | — | $34.6M | ||
| Q2 25 | — | $39.1M | ||
| Q1 25 | — | $39.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $43.3M | ||
| Q2 24 | — | $44.4M | ||
| Q1 24 | — | $46.1M |
| Q4 25 | $184.4M | $299.9M | ||
| Q3 25 | $179.3M | $295.4M | ||
| Q2 25 | $177.0M | $284.3M | ||
| Q1 25 | $172.7M | $248.3M | ||
| Q4 24 | $168.4M | — | ||
| Q3 24 | $164.0M | $274.4M | ||
| Q2 24 | $159.6M | $275.2M | ||
| Q1 24 | $158.0M | $296.2M |
| Q4 25 | $2.1B | $423.1M | ||
| Q3 25 | $2.1B | $418.4M | ||
| Q2 25 | $2.1B | $403.7M | ||
| Q1 25 | $2.1B | $377.1M | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | $417.8M | ||
| Q2 24 | $2.0B | $425.4M | ||
| Q1 24 | $2.0B | $458.4M |
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | 0.14× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 0.16× |
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 | — |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | 90.8% |
| 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 | — | ||
| Q3 25 | $5.5M | $24.4M | ||
| Q2 25 | $8.0M | — | ||
| Q1 25 | $2.2M | $-6.4M | ||
| Q4 24 | $14.2M | — | ||
| Q3 24 | $-1.3M | $4.3M | ||
| Q2 24 | $4.0M | $5.7M | ||
| Q1 24 | $-1.2M | $-50.0K |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | $22.6M | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $2.2M | $-8.9M | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | $1.5M | ||
| Q2 24 | $4.0M | $4.8M | ||
| Q1 24 | $-1.2M | $-1.9M |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | 33.9% | ||
| Q2 25 | 50.3% | — | ||
| Q1 25 | 15.2% | -11.6% | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | 2.7% | ||
| Q2 24 | 31.6% | 9.0% | ||
| Q1 24 | -9.5% | -2.5% |
| Q4 25 | 3.1% | 90.8% | ||
| Q3 25 | 1.7% | 2.7% | ||
| Q2 25 | 0.7% | 4.6% | ||
| Q1 25 | 0.4% | 3.3% | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.2% | 5.1% | ||
| Q2 24 | 0.1% | 1.6% | ||
| Q1 24 | 0.0% | 2.4% |
| Q4 25 | 3.26× | — | ||
| Q3 25 | 2.34× | 2.39× | ||
| 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.
VFF
| International Sales | $8.7M | 71% |
| Cannabis United States Segment | $3.4M | 27% |
