COMP <GO>

CFBK vs INBK // DIVIDEND YIELD & FCF PAYOUT SAFETY

CF Bankshares Inc. (NASDAQ) VS. First Internet Bancorp (NASDAQ) • 15-METRIC TALLY: CFBK 4 — INBK 1

■ METRIC PARITY

LAST: $35.00 (+2.49%) • MKT CAP: $219.1M

dividend-safety

0.88%

LAST: $26.85 (+4.03%) • MKT CAP: $225.4M

dividend-safety

0.88%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFBK VS. INBK) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CFBK	INBK	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	9.50%	-9.80%	+19.30	CFBK	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	8.19%	0.93%	+7.26	CFBK	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety ACTIVE	0.88%	0.88%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	3/9	+2.00	CFBK	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	48.3	44.9	+3.40	CFBK	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.8x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$219.1M	$225.4M	-$6.3M	INBK	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CFBK REV	INBK REV	CFBK GROSS %	INBK GROSS %	CFBK FCF	INBK FCF
FY 2025	$889.3M	$2.34B	—	—	$18.2M	$2.2M
FY 2024	$867.5M	$2.41B	—	—	$13.9M	$10.4M
FY 2023	$76.0M	$44.4M	—	—	$18.1M	$11.7M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CFBK // BETA —

INBK // BETA —