C & F FINANCIAL CORPCFFIEarnings & Financial Report
Sun Life Financial Inc. is a Canadian financial services company headquartered in Toronto, Ontario. Founded in 1865, it operates internationally in life insurance, wealth management, and asset management. As of 2024, the company manages over CAD$1.3 trillion in assets and serves clients in Canada, the United States, Asia, and other markets.
CFFI Q4 FY2025 Key Financial Metrics
Revenue
$35.9M
Gross Profit
N/A
Operating Profit
$8.1M
Net Profit
$6.7M
Gross Margin
N/A
Operating Margin
22.6%
Net Margin
18.7%
YoY Growth
12.0%
EPS
$2.08
C & F FINANCIAL CORP Q4 FY2025 Financial Summary
C & F FINANCIAL CORP reported revenue of $35.9M (up 12.0% YoY) for Q4 FY2025, with a net profit of $6.7M (up 11.0% YoY) (18.7% margin).
Key Financial Metrics
| Total Revenue | $35.9M |
|---|---|
| Net Profit | $6.7M |
| Gross Margin | N/A |
| Operating Margin | 22.6% |
| Report Period | Q4 FY2025 |
Revenue Breakdown
C & F FINANCIAL CORP Q4 FY2025 revenue of $35.9M breaks down across 4 segments, led by Community Banking at $25.9M (72.1% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Community Banking | $25.9M | 72.1% |
| Consumer Finance Segment | $7.0M | 19.4% |
| Mortgage Banking Segment | $1.9M | 5.4% |
| Other | $1.1M | 3.0% |
C & F FINANCIAL CORP Revenue by Segment — Quarterly Trend
C & F FINANCIAL CORP revenue by segment across the last 4 reported quarters, showing how each business line (such as Community Banking and Consumer Finance Segment) has evolved quarter over quarter.
| Segment | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 |
|---|---|---|---|---|
| Community Banking | $25.9M | $25.6M | $24.7M | $23.0M |
| Consumer Finance Segment | $7.0M | $6.8M | $6.6M | $6.6M |
| Mortgage Banking Segment | $1.9M | $2.1M | $2.6M | $2.0M |
| Other | $1.1M | $1.6M | $2.5M | $993.0K |
C & F FINANCIAL CORP Annual Revenue by Year
C & F FINANCIAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $140.8M).
C & F FINANCIAL CORP Quarterly Revenue & Net Profit History
C & F FINANCIAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $35.9M | +12.0% | $6.7M | 18.7% |
| Q3 FY2025 | $36.0M | +7.6% | $7.1M | 19.6% |
| Q2 FY2025 | $36.4M | +16.7% | $7.7M | 21.2% |
| Q1 FY2025 | $32.6M | +6.3% | $5.4M | 16.5% |
| Q4 FY2024 | $32.0M | +1.0% | $6.0M | 18.8% |
| Q3 FY2024 | $33.5M | +9.1% | $5.4M | 16.1% |
| Q2 FY2024 | $31.2M | -3.6% | $5.0M | 16.1% |
| Q1 FY2024 | $30.6M | -6.0% | $3.4M | 11.1% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.6M | $31.2M | $33.5M | $32.0M | $32.6M | $36.4M | $36.0M | $35.9M |
| YoY Growth | -6.0% | -3.6% | 9.1% | 1.0% | 6.3% | 16.7% | 7.6% | 12.0% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.47B | $2.49B | $2.55B | $2.56B | $2.61B | $2.69B | $2.71B | $2.77B |
| Liabilities | $2.25B | $2.27B | $2.32B | $2.34B | $2.38B | $2.45B | $2.46B | $2.51B |
| Equity | $216.3M | $218.5M | $227.3M | $226.4M | $234.6M | $240.3M | $253.3M | $261.8M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $895000 | $1.7M | $404000 | $36.8M | $3.2M | $-4.4M | $23.4M | $24.5M |