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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Valens Semiconductor Ltd. (VLN). Click either name above to swap in a different company.
Valens Semiconductor Ltd. is the larger business by last-quarter revenue ($17.3M vs $15.7M, roughly 1.1× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -42.2%, a 82.3% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 8.1%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $-4.9M).
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.
Valens Semiconductor (Valens) is an Israeli fabless manufacturing company providing semiconductors for the automotive and audio-video industries. Valens provides semiconductor products for the distribution of uncompressed ultra-high-definition (UHD) multimedia content and in-vehicle connectivity applications. The company is a member of the MIPI Alliance and developed the first-to-market chipset that is compliant with the MIPI A-PHY standard. Valens invented the technology behind the HDBaseT s...
CFBK vs VLN — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $17.3M |
| Net Profit | $5.7M | $-7.3M |
| Gross Margin | — | 63.0% |
| Operating Margin | 43.4% | -46.4% |
| Net Margin | 40.0% | -42.2% |
| Revenue YoY | 12.6% | 8.1% |
| Net Profit YoY | 29.9% | 29.3% |
| EPS (diluted) | $0.88 | $-0.07 |
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 | — | ||
| Q3 25 | $15.5M | $17.3M | ||
| Q2 25 | $15.6M | $17.1M | ||
| Q1 25 | $14.1M | $16.8M | ||
| Q4 24 | $14.0M | — | ||
| Q3 24 | $13.1M | $16.0M | ||
| Q2 24 | $12.6M | $13.6M | ||
| Q1 24 | $12.2M | — |
| Q4 25 | $5.7M | — | ||
| Q3 25 | $2.3M | $-7.3M | ||
| Q2 25 | $5.0M | $-7.2M | ||
| Q1 25 | $4.4M | $-8.3M | ||
| Q4 24 | $4.4M | — | ||
| Q3 24 | $4.2M | $-10.4M | ||
| Q2 24 | $1.7M | $-8.9M | ||
| Q1 24 | $3.1M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 63.0% | ||
| Q2 25 | — | 63.5% | ||
| Q1 25 | — | 62.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 56.4% | ||
| Q2 24 | — | 61.4% | ||
| Q1 24 | — | — |
| Q4 25 | 43.4% | — | ||
| Q3 25 | 17.5% | -46.4% | ||
| Q2 25 | 41.1% | -43.3% | ||
| Q1 25 | 39.5% | -56.2% | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 40.4% | -76.3% | ||
| Q2 24 | 15.4% | -69.2% | ||
| Q1 24 | 30.9% | — |
| Q4 25 | 40.0% | — | ||
| Q3 25 | 15.1% | -42.2% | ||
| Q2 25 | 32.3% | -42.1% | ||
| Q1 25 | 31.4% | -49.4% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | 32.2% | -64.6% | ||
| Q2 24 | 13.5% | -65.2% | ||
| Q1 24 | 25.2% | — |
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | $-0.07 | ||
| Q2 25 | $0.77 | $-0.07 | ||
| Q1 25 | $0.68 | $-0.08 | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.65 | $-0.10 | ||
| Q2 24 | $0.26 | $-0.08 | ||
| Q1 24 | $0.47 | — |
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 | $93.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $108.8M |
| Total Assets | $2.1B | $136.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | — | ||
| Q3 25 | $272.4M | $93.5M | ||
| Q2 25 | $275.7M | $102.7M | ||
| Q1 25 | $241.0M | $112.5M | ||
| Q4 24 | $235.3M | — | ||
| Q3 24 | $233.5M | $133.1M | ||
| Q2 24 | $241.8M | $105.9M | ||
| Q1 24 | $236.9M | — |
| Q4 25 | $184.4M | — | ||
| Q3 25 | $179.3M | $108.8M | ||
| Q2 25 | $177.0M | $116.5M | ||
| Q1 25 | $172.7M | $128.6M | ||
| Q4 24 | $168.4M | — | ||
| Q3 24 | $164.0M | $147.0M | ||
| Q2 24 | $159.6M | $153.5M | ||
| Q1 24 | $158.0M | — |
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | $136.7M | ||
| Q2 25 | $2.1B | $144.8M | ||
| Q1 25 | $2.1B | $154.6M | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.1B | $171.9M | ||
| Q2 24 | $2.0B | $175.8M | ||
| Q1 24 | $2.0B | — |
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 | $-4.7M |
| Free Cash FlowOCF − Capex | $18.2M | $-4.9M |
| FCF MarginFCF / Revenue | 115.6% | -28.5% |
| Capex IntensityCapex / Revenue | 3.1% | 1.6% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-11.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | — | ||
| Q3 25 | $5.5M | $-4.7M | ||
| Q2 25 | $8.0M | $-211.0K | ||
| Q1 25 | $2.2M | $-7.6M | ||
| Q4 24 | $14.2M | — | ||
| Q3 24 | $-1.3M | $3.0M | ||
| Q2 24 | $4.0M | $-225.0K | ||
| Q1 24 | $-1.2M | — |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | $-4.9M | ||
| Q2 25 | $7.8M | $-330.0K | ||
| Q1 25 | $2.2M | $-8.0M | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | $2.2M | ||
| Q2 24 | $4.0M | $-460.0K | ||
| Q1 24 | $-1.2M | — |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | -28.5% | ||
| Q2 25 | 50.3% | -1.9% | ||
| Q1 25 | 15.2% | -47.3% | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | 14.0% | ||
| Q2 24 | 31.6% | -3.4% | ||
| Q1 24 | -9.5% | — |
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | 1.6% | ||
| Q2 25 | 0.7% | 0.7% | ||
| Q1 25 | 0.4% | 2.1% | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.2% | 4.5% | ||
| Q2 24 | 0.1% | 1.7% | ||
| Q1 24 | 0.0% | — |
| 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× | — | ||
| Q1 24 | -0.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
