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CF Bankshares vs National Bankshares: CFBK and NKSH compared
CF Bankshares is the larger company: $16.7M of revenue in its latest quarter (Q3 2026) against $15.7M for National Bankshares (Q2 2026). National Bankshares is growing faster (+18% against +8% a year earlier). CF Bankshares is more profitable, with an operating margin of 44.2% against 38.7%.
Where the money goes: CFBK and NKSH
CF Bankshares (CFBK) · Q3 2026
CF Bankshares, Q3 2026: revenue $16.7M (+8% year over year), operating margin 44.2%, net earnings $6.0M, operating cash flow $8.4M. The chart follows the revenue to costs, profit and cash.
National Bankshares (NKSH) · Q2 2026
National Bankshares, Q2 2026: revenue $15.7M (+18% year over year), operating margin 38.7%, net earnings $5.0M, operating cash flow $3.5M. The chart follows the revenue to costs, profit and cash.
| CF Bankshares (CFBK) | National Bankshares (NKSH) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $16.7M | $15.7M |
| Revenue growth, Y/Y | +8% | +18% |
| Operating margin | 44.2% | 38.7% |
| Net earnings | $6.0M | $5.0M |
| Net margin | 36.1% | 32.0% |
| Operating cash flow | $8.4M | $3.5M |
| Free cash flow | $8.4M | $3.3M |
Where the revenue comes from
CF Bankshares
- Net interest income: $14.9M (89%)
- Noninterest income: $1.8M (11%)
Questions
Which is bigger, CF Bankshares or National Bankshares?
CF Bankshares is the larger company: $16.7M of revenue in its latest quarter (Q3 2026) against $15.7M for National Bankshares (Q2 2026).
Is CF Bankshares or National Bankshares growing faster?
National Bankshares is growing faster (+18% against +8% a year earlier).
Which is more profitable, CF Bankshares or National Bankshares?
CF Bankshares is more profitable, with an operating margin of 44.2% against 38.7%.
More: CF Bankshares earnings · how CF Bankshares makes money · National Bankshares earnings · how National Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Aug 12, 2026). Fiscal quarters can end on different dates. Not investment advice.