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Side-by-side financial comparison of CF BANKSHARES INC. (CFBK) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
Zeo Energy Corp. is the larger business by last-quarter revenue ($18.6M vs $15.7M, roughly 1.2× CF BANKSHARES INC.). CF BANKSHARES INC. runs the higher net margin — 40.0% vs -10.8%, a 50.9% gap on every dollar of revenue. On growth, CF BANKSHARES INC. posted the faster year-over-year revenue change (12.6% vs -0.4%). CF BANKSHARES INC. produced more free cash flow last quarter ($18.2M vs $2.3M). Over the past eight quarters, CF BANKSHARES INC.'s revenue compounded faster (13.7% CAGR vs -4.0%).
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.
CFBK vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $15.7M | $18.6M |
| Net Profit | $5.7M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 43.4% | -11.8% |
| Net Margin | 40.0% | -10.8% |
| Revenue YoY | 12.6% | -0.4% |
| Net Profit YoY | 29.9% | -360.9% |
| EPS (diluted) | $0.88 | — |
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 | $18.6M | ||
| Q3 25 | $15.5M | $23.9M | ||
| Q2 25 | $15.6M | $18.1M | ||
| Q1 25 | $14.1M | $8.8M | ||
| Q4 24 | $14.0M | $18.6M | ||
| Q3 24 | $13.1M | $19.7M | ||
| Q2 24 | $12.6M | $14.8M | ||
| Q1 24 | $12.2M | $20.1M |
| Q4 25 | $5.7M | $-2.0M | ||
| Q3 25 | $2.3M | $-3.2M | ||
| Q2 25 | $5.0M | $-2.4M | ||
| Q1 25 | $4.4M | $-6.4M | ||
| Q4 24 | $4.4M | $-435.3K | ||
| Q3 24 | $4.2M | $-424.3K | ||
| Q2 24 | $1.7M | $-277.8K | ||
| Q1 24 | $3.1M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 43.4% | -11.8% | ||
| Q3 25 | 17.5% | -8.3% | ||
| Q2 25 | 41.1% | -15.8% | ||
| Q1 25 | 39.5% | -153.8% | ||
| Q4 24 | 36.9% | -6.0% | ||
| Q3 24 | 40.4% | -15.2% | ||
| Q2 24 | 15.4% | -18.0% | ||
| Q1 24 | 30.9% | -20.1% |
| Q4 25 | 40.0% | -10.8% | ||
| Q3 25 | 15.1% | -13.5% | ||
| Q2 25 | 32.3% | -13.3% | ||
| Q1 25 | 31.4% | -72.4% | ||
| Q4 24 | 35.2% | -2.3% | ||
| Q3 24 | 32.2% | -2.2% | ||
| Q2 24 | 13.5% | -1.9% | ||
| Q1 24 | 25.2% | -7.6% |
| Q4 25 | $0.88 | — | ||
| Q3 25 | $0.36 | — | ||
| Q2 25 | $0.77 | — | ||
| Q1 25 | $0.68 | $-0.48 | ||
| Q4 24 | $0.68 | $1.11 | ||
| Q3 24 | $0.65 | $-0.08 | ||
| Q2 24 | $0.26 | $0.03 | ||
| Q1 24 | $0.47 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $184.4M | $5.3M |
| Total Assets | $2.1B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $259.0M | $6.1M | ||
| Q3 25 | $272.4M | $3.9M | ||
| Q2 25 | $275.7M | $68.7K | ||
| Q1 25 | $241.0M | $2.9M | ||
| Q4 24 | $235.3M | $5.6M | ||
| Q3 24 | $233.5M | $4.3M | ||
| Q2 24 | $241.8M | $5.3M | ||
| Q1 24 | $236.9M | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $184.4M | $5.3M | ||
| Q3 25 | $179.3M | $-1.7M | ||
| Q2 25 | $177.0M | $-59.4M | ||
| Q1 25 | $172.7M | $-23.1M | ||
| Q4 24 | $168.4M | $-88.9M | ||
| Q3 24 | $164.0M | $-39.3M | ||
| Q2 24 | $159.6M | $-53.0M | ||
| Q1 24 | $158.0M | $-173.0M |
| Q4 25 | $2.1B | $56.9M | ||
| Q3 25 | $2.1B | $58.5M | ||
| Q2 25 | $2.1B | $46.2M | ||
| Q1 25 | $2.1B | $47.4M | ||
| Q4 24 | $2.1B | $61.0M | ||
| Q3 24 | $2.1B | $47.1M | ||
| Q2 24 | $2.0B | $49.1M | ||
| Q1 24 | $2.0B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $18.2M | $2.3M |
| FCF MarginFCF / Revenue | 115.6% | 12.2% |
| Capex IntensityCapex / Revenue | 3.1% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $33.4M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.7M | $2.4M | ||
| Q3 25 | $5.5M | $-6.6M | ||
| Q2 25 | $8.0M | $-2.3M | ||
| Q1 25 | $2.2M | $-2.3M | ||
| Q4 24 | $14.2M | $3.5M | ||
| Q3 24 | $-1.3M | $162.2K | ||
| Q2 24 | $4.0M | $-2.2M | ||
| Q1 24 | $-1.2M | $-10.2M |
| Q4 25 | $18.2M | $2.3M | ||
| Q3 25 | $5.2M | $-6.8M | ||
| Q2 25 | $7.8M | $-2.7M | ||
| Q1 25 | $2.2M | $-2.6M | ||
| Q4 24 | $13.9M | $3.4M | ||
| Q3 24 | $-1.3M | $116.5K | ||
| Q2 24 | $4.0M | $-2.3M | ||
| Q1 24 | $-1.2M | $-10.4M |
| Q4 25 | 115.6% | 12.2% | ||
| Q3 25 | 33.6% | -28.6% | ||
| Q2 25 | 50.3% | -15.0% | ||
| Q1 25 | 15.2% | -30.0% | ||
| Q4 24 | 99.6% | 18.2% | ||
| Q3 24 | -9.9% | 0.6% | ||
| Q2 24 | 31.6% | -15.6% | ||
| Q1 24 | -9.5% | -51.5% |
| Q4 25 | 3.1% | 0.9% | ||
| Q3 25 | 1.7% | 1.0% | ||
| Q2 25 | 0.7% | 2.4% | ||
| Q1 25 | 0.4% | 4.2% | ||
| Q4 24 | 1.9% | 0.5% | ||
| Q3 24 | 0.2% | 0.2% | ||
| Q2 24 | 0.1% | 0.7% | ||
| Q1 24 | 0.0% | 1.1% |
| 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× | — | ||
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
