COMP <GO>

INBK vs CFBK // FREE CASH FLOW YIELD

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

▲ FREE CASH FLOW YIELD LEADER: CFBK

LAST: $26.85 (+4.03%) • MKT CAP: $234.5M

fcf-yield

0.93%

LAST: $35.00 (+2.49%) • MKT CAP: $224.5M

fcf-yield

8.19%

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

INSTITUTIONAL METRIC	INBK	CFBK	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	-9.80%	9.50%	-19.30	CFBK	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield ACTIVE	0.93%	8.19%	-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	0.88%	0.88%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	3/9	5/9	-2.00	CFBK	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	51.6	58.4	-6.80	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	$234.5M	$224.5M	$10.0M	INBK	/market-cap <GO>

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

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

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

INBK // BETA —

CFBK // BETA —