vs
CF BANKSHARES INC.（CFBK）与RETRACTABLE TECHNOLOGIES INC（RVP）财务数据对比。点击上方公司名可切换其他公司
CF BANKSHARES INC.的季度营收约是RETRACTABLE TECHNOLOGIES INC的1.7倍（$15.7M vs $9.4M），CF BANKSHARES INC.净利率更高（40.0% vs -24.9%，领先64.9%），CF BANKSHARES INC.同比增速更快（12.6% vs 4.0%），过去两年CF BANKSHARES INC.的营收复合增速更高（13.7% vs 11.5%）
CF BANKSHARES INC.是一家美国区域性银行控股企业，通过旗下社区银行子公司运营，提供全方位个人及商业银行解决方案，包括存款产品、各类贷款、财富管理服务及数字银行工具，主要服务美国中西部地区的个人消费者和中小企客户。
Retractable Technologies Inc是一家专业医疗设备制造商，主打可回缩注射器、安全针头、静脉导管等一次性安全医疗产品，客户覆盖医疗机构、制药企业及公共卫生部门，产品可有效降低医护人员与患者的针刺伤害风险。
CFBK vs RVP — 直观对比
营收规模更大
CFBK
是对方的1.7倍
$9.4M
营收增速更快
CFBK
高出8.6%
4.0%
净利率更高
CFBK
高出64.9%
-24.9%
两年增速更快
CFBK
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $15.7M | $9.4M |
| 净利润 | $5.7M | $-2.3M |
| 毛利率 | — | -16.2% |
| 营业利润率 | 43.4% | -81.7% |
| 净利率 | 40.0% | -24.9% |
| 营收同比 | 12.6% | 4.0% |
| 净利润同比 | 29.9% | -162.3% |
| 每股收益（稀释后） | $0.88 | $-0.09 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CFBKRVP
| Q4 25 | $15.7M | $9.4M | ||
| Q3 25 | $15.5M | $10.1M | ||
| Q2 25 | $15.6M | $10.4M | ||
| Q1 25 | $14.1M | $8.3M | ||
| Q4 24 | $14.0M | $9.1M | ||
| Q3 24 | $13.1M | $10.3M | ||
| Q2 24 | $12.6M | $6.0M | ||
| Q1 24 | $12.2M | $7.6M |
净利润CFBKRVP
| Q4 25 | $5.7M | $-2.3M | ||
| Q3 25 | $2.3M | $371.0K | ||
| Q2 25 | $5.0M | $-87.5K | ||
| Q1 25 | $4.4M | $-10.5M | ||
| Q4 24 | $4.4M | $3.8M | ||
| Q3 24 | $4.2M | $-1.9M | ||
| Q2 24 | $1.7M | $-14.2M | ||
| Q1 24 | $3.1M | $429.4K |
毛利率CFBKRVP
| Q4 25 | — | -16.2% | ||
| Q3 25 | — | 16.7% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -0.0% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -7.0% | ||
| Q1 24 | — | 25.0% |
营业利润率CFBKRVP
| Q4 25 | 43.4% | -81.7% | ||
| Q3 25 | 17.5% | -36.2% | ||
| Q2 25 | 41.1% | -49.1% | ||
| Q1 25 | 39.5% | -56.4% | ||
| Q4 24 | 36.9% | -79.6% | ||
| Q3 24 | 40.4% | -49.6% | ||
| Q2 24 | 15.4% | -95.6% | ||
| Q1 24 | 30.9% | -39.3% |
净利率CFBKRVP
| Q4 25 | 40.0% | -24.9% | ||
| Q3 25 | 15.1% | 3.7% | ||
| Q2 25 | 32.3% | -0.8% | ||
| Q1 25 | 31.4% | -126.6% | ||
| Q4 24 | 35.2% | 41.6% | ||
| Q3 24 | 32.2% | -18.6% | ||
| Q2 24 | 13.5% | -234.9% | ||
| Q1 24 | 25.2% | 5.7% |
每股收益（稀释后）CFBKRVP
| Q4 25 | $0.88 | $-0.09 | ||
| Q3 25 | $0.36 | $0.01 | ||
| Q2 25 | $0.77 | $0.00 | ||
| Q1 25 | $0.68 | $-0.35 | ||
| Q4 24 | $0.68 | $0.14 | ||
| Q3 24 | $0.65 | $-0.07 | ||
| Q2 24 | $0.26 | $-0.48 | ||
| Q1 24 | $0.47 | $0.01 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $259.0M | $2.6M |
| 总债务越低越好 | — | $895.6K |
| 股东权益账面价值 | $184.4M | $74.4M |
| 总资产 | $2.1B | $142.6M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资CFBKRVP
| Q4 25 | $259.0M | $2.6M | ||
| Q3 25 | $272.4M | $3.4M | ||
| Q2 25 | $275.7M | $3.0M | ||
| Q1 25 | $241.0M | $3.4M | ||
| Q4 24 | $235.3M | $4.2M | ||
| Q3 24 | $233.5M | $3.9M | ||
| Q2 24 | $241.8M | $6.9M | ||
| Q1 24 | $236.9M | $10.0M |
总债务CFBKRVP
| Q4 25 | — | $895.6K | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CFBKRVP
| Q4 25 | $184.4M | $74.4M | ||
| Q3 25 | $179.3M | $76.8M | ||
| Q2 25 | $177.0M | $76.5M | ||
| Q1 25 | $172.7M | $76.6M | ||
| Q4 24 | $168.4M | $87.2M | ||
| Q3 24 | $164.0M | $83.5M | ||
| Q2 24 | $159.6M | $85.4M | ||
| Q1 24 | $158.0M | $99.7M |
总资产CFBKRVP
| Q4 25 | $2.1B | $142.6M | ||
| Q3 25 | $2.1B | $146.4M | ||
| Q2 25 | $2.1B | $147.1M | ||
| Q1 25 | $2.1B | $149.3M | ||
| Q4 24 | $2.1B | $160.7M | ||
| Q3 24 | $2.1B | $157.8M | ||
| Q2 24 | $2.0B | $160.7M | ||
| Q1 24 | $2.0B | $176.0M |
负债/权益比CFBKRVP
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $18.7M | $-596.5K |
| 自由现金流经营现金流 - 资本支出 | $18.2M | — |
| 自由现金流率自由现金流/营收 | 115.6% | — |
| 资本支出强度资本支出/营收 | 3.1% | — |
| 现金转化率经营现金流/净利润 | 3.26× | — |
| 过去12个月自由现金流最近4个季度 | $33.4M | — |
8季度趋势，按日历期对齐
经营现金流CFBKRVP
| Q4 25 | $18.7M | $-596.5K | ||
| Q3 25 | $5.5M | $-1.3M | ||
| Q2 25 | $8.0M | $-3.7M | ||
| Q1 25 | $2.2M | $-1.5M | ||
| Q4 24 | $14.2M | $-1.1M | ||
| Q3 24 | $-1.3M | $-5.7M | ||
| Q2 24 | $4.0M | $-2.7M | ||
| Q1 24 | $-1.2M | $-2.0M |
自由现金流CFBKRVP
| Q4 25 | $18.2M | — | ||
| Q3 25 | $5.2M | $-1.3M | ||
| Q2 25 | $7.8M | $-4.1M | ||
| Q1 25 | $2.2M | $-1.6M | ||
| Q4 24 | $13.9M | $-1.4M | ||
| Q3 24 | $-1.3M | $-6.5M | ||
| Q2 24 | $4.0M | $-2.8M | ||
| Q1 24 | $-1.2M | $-2.2M |
自由现金流率CFBKRVP
| Q4 25 | 115.6% | — | ||
| Q3 25 | 33.6% | -13.4% | ||
| Q2 25 | 50.3% | -38.9% | ||
| Q1 25 | 15.2% | -18.8% | ||
| Q4 24 | 99.6% | -15.5% | ||
| Q3 24 | -9.9% | -63.0% | ||
| Q2 24 | 31.6% | -46.8% | ||
| Q1 24 | -9.5% | -29.6% |
资本支出强度CFBKRVP
| Q4 25 | 3.1% | — | ||
| Q3 25 | 1.7% | 0.9% | ||
| Q2 25 | 0.7% | 3.2% | ||
| Q1 25 | 0.4% | 1.0% | ||
| Q4 24 | 1.9% | 3.3% | ||
| Q3 24 | 0.2% | 7.7% | ||
| Q2 24 | 0.1% | 2.0% | ||
| Q1 24 | 0.0% | 3.0% |
现金转化率CFBKRVP
| Q4 25 | 3.26× | — | ||
| Q3 25 | 2.34× | -3.39× | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 3.21× | -0.29× | ||
| Q3 24 | -0.30× | — | ||
| Q2 24 | 2.35× | — | ||
| Q1 24 | -0.38× | -4.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
