CF Bankshares vs Optimumbank Holdings
CF Bankshares is the larger business, with $61.0m of revenue in fiscal 2025 against $49.4m for Optimumbank Holdings (1.2 times as much). Optimumbank Holdings grew faster (25.6% against 17.6%). Optimumbank Holdings kept more of each dollar of sales as profit: a net margin of 33.7% against 28.8%.
| Latest fiscal year | CF BanksharesCFBK, 2025 | Optimumbank HoldingsOPHC, 2025 |
|---|---|---|
| Revenue | $61.0m | $49.4m |
| Revenue growth | 17.6% | 25.6% |
| Net income | $17.5m | $16.6m |
| Operating margin | — | — |
| Net margin | 28.8% | 33.7% |
| Return on equity | 9.9% | 14.8% |
| Free cash flow | $18.2m | $16.9m |
| Cash | $259m | — |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.30 | — |
| Dividend yield | 1.0% | — |
| Share buybacks | $1.3m | — |
| Employees | 98 | 98 |
| Market value | $224m | $114m |
| Price vs our value range | — | — |
| Moat score | 68 (Moderate) | 24 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 2 sales |