vs
Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and YORK WATER CO (YORW). Click either name above to swap in a different company.
YORK WATER CO is the larger business by last-quarter revenue ($19.4M vs $15.7M, roughly 1.2× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs 26.7%, a 13.3% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs 3.2%). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
CFBK vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $19.4M |
| Net Profit | $5.7M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | 33.2% |
| Net Margin | 40.0% | 26.7% |
| Revenue YoY | 12.6% | 3.2% |
| Net Profit YoY | 29.9% | 0.5% |
| EPS (diluted) | $0.88 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $15.5M | $20.2M | ||
| Q2 25 | $15.6M | $19.1M | ||
| Q1 25 | $14.1M | $18.3M | ||
| Q4 24 | $14.0M | $18.8M | ||
| Q3 24 | $13.1M | $19.6M | ||
| Q2 24 | $12.6M | $18.6M | ||
| Q1 24 | $12.2M | $17.5M |
| Q4 25 | $5.7M | $5.2M | ||
| Q3 25 | $2.3M | $6.2M | ||
| Q2 25 | $5.0M | $5.1M | ||
| Q1 25 | $4.4M | $3.6M | ||
| Q4 24 | $4.4M | $5.1M | ||
| Q3 24 | $4.2M | $5.9M | ||
| Q2 24 | $1.7M | $5.0M | ||
| Q1 24 | $3.1M | $4.3M |
| Q4 25 | 43.4% | 33.2% | ||
| Q3 25 | 17.5% | 39.1% | ||
| Q2 25 | 41.1% | 37.1% | ||
| Q1 25 | 39.5% | 34.3% | ||
| Q4 24 | 36.9% | 35.8% | ||
| Q3 24 | 40.4% | 41.1% | ||
| Q2 24 | 15.4% | 37.9% | ||
| Q1 24 | 30.9% | 35.5% |
| Q4 25 | 40.0% | 26.7% | ||
| Q3 25 | 15.1% | 30.6% | ||
| Q2 25 | 32.3% | 26.5% | ||
| Q1 25 | 31.4% | 19.8% | ||
| Q4 24 | 35.2% | 27.4% | ||
| Q3 24 | 32.2% | 29.9% | ||
| Q2 24 | 13.5% | 26.8% | ||
| Q1 24 | 25.2% | 24.7% |
| Q4 25 | $0.88 | $0.36 | ||
| Q3 25 | $0.36 | $0.43 | ||
| Q2 25 | $0.77 | $0.35 | ||
| Q1 25 | $0.68 | $0.25 | ||
| Q4 24 | $0.68 | $0.36 | ||
| Q3 24 | $0.65 | $0.41 | ||
| Q2 24 | $0.26 | $0.35 | ||
| Q1 24 | $0.47 | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $184.4M | $240.3M |
| Total Assets | $2.1B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $1.0K | ||
| Q3 25 | $272.4M | $1.0K | ||
| Q2 25 | $275.7M | $1.0K | ||
| Q1 25 | $241.0M | $1.0K | ||
| Q4 24 | $235.3M | $1.0K | ||
| Q3 24 | $233.5M | $1.0K | ||
| Q2 24 | $241.8M | $1.0K | ||
| Q1 24 | $236.9M | $3.3M |
| Q4 25 | $184.4M | $240.3M | ||
| Q3 25 | $179.3M | $238.0M | ||
| Q2 25 | $177.0M | $234.6M | ||
| Q1 25 | $172.7M | $232.1M | ||
| Q4 24 | $168.4M | $231.2M | ||
| Q3 24 | $164.0M | $228.7M | ||
| Q2 24 | $159.6M | $225.4M | ||
| Q1 24 | $158.0M | $222.9M |
| Q4 25 | $2.1B | $680.9M | ||
| Q3 25 | $2.1B | $667.1M | ||
| Q2 25 | $2.1B | $653.7M | ||
| Q1 25 | $2.1B | $641.8M | ||
| Q4 24 | $2.1B | $633.5M | ||
| Q3 24 | $2.1B | $621.4M | ||
| Q2 24 | $2.0B | $610.4M | ||
| Q1 24 | $2.0B | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $18.2M | — |
| FCF MarginFCF / Revenue | 115.6% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | 3.26× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $8.4M | ||
| Q3 25 | $5.5M | $7.8M | ||
| Q2 25 | $8.0M | $7.6M | ||
| Q1 25 | $2.2M | $6.0M | ||
| Q4 24 | $14.2M | $10.2M | ||
| Q3 24 | $-1.3M | $7.5M | ||
| Q2 24 | $4.0M | $6.7M | ||
| Q1 24 | $-1.2M | $6.1M |
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $13.9M | — | ||
| Q3 24 | $-1.3M | — | ||
| Q2 24 | $4.0M | — | ||
| Q1 24 | $-1.2M | — |
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | — | ||
| Q2 25 | 50.3% | — | ||
| Q1 25 | 15.2% | — | ||
| Q4 24 | 99.6% | — | ||
| Q3 24 | -9.9% | — | ||
| Q2 24 | 31.6% | — | ||
| Q1 24 | -9.5% | — |
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.0% | — |
| Q4 25 | 3.26× | 1.63× | ||
| Q3 25 | 2.34× | 1.26× | ||
| Q2 25 | 1.58× | 1.50× | ||
| Q1 25 | 0.50× | 1.65× | ||
| Q4 24 | 3.21× | 1.98× | ||
| Q3 24 | -0.30× | 1.29× | ||
| Q2 24 | 2.35× | 1.34× | ||
| Q1 24 | -0.38× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
