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Side-by-side financial comparison of BGSF, INC. (BGSF) and C & F FINANCIAL CORP (CFFI). Click either name above to swap in a different company.
C & F FINANCIAL CORP is the larger business by last-quarter revenue ($35.9M vs $22.0M, roughly 1.6× BGSF, INC.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -5.3%, a 23.9% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -9.4%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $1.7M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -5.3%).
BGSF Inc. is a leading U.S.-headquartered workforce solutions firm that provides tailored staffing, talent recruitment, and end-to-end workforce management services. It serves core segments including information technology, healthcare, professional administration, light industrial, and creative industries, catering to small, mid-sized and large enterprise clients across North America.
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.
BGSF vs CFFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.0M | $35.9M |
| Net Profit | $-1.2M | $6.7M |
| Gross Margin | 35.0% | — |
| Operating Margin | -17.6% | 22.6% |
| Net Margin | -5.3% | 18.7% |
| Revenue YoY | -9.4% | 12.0% |
| Net Profit YoY | -18.2% | 11.0% |
| EPS (diluted) | $-0.12 | $2.08 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $22.0M | $35.9M | ||
| Q3 25 | $26.9M | $36.0M | ||
| Q2 25 | $23.5M | $36.4M | ||
| Q1 25 | $20.9M | $32.6M | ||
| Q4 24 | $24.3M | $32.0M | ||
| Q3 24 | $29.8M | $33.5M | ||
| Q2 24 | $25.7M | $31.2M | ||
| Q1 24 | $24.5M | $30.6M |
| Q4 25 | $-1.2M | $6.7M | ||
| Q3 25 | $-5.8M | $7.1M | ||
| Q2 25 | $-3.7M | $7.7M | ||
| Q1 25 | $-722.0K | $5.4M | ||
| Q4 24 | $-981.0K | $6.0M | ||
| Q3 24 | $-804.0K | $5.4M | ||
| Q2 24 | $-761.0K | $5.0M | ||
| Q1 24 | $-792.0K | $3.4M |
| Q4 25 | 35.0% | — | ||
| Q3 25 | 35.9% | — | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 36.2% | — | ||
| Q4 24 | 35.9% | — | ||
| Q3 24 | 35.9% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 38.1% | — |
| Q4 25 | -17.6% | 22.6% | ||
| Q3 25 | -3.5% | 24.5% | ||
| Q2 25 | -18.8% | 26.5% | ||
| Q1 25 | 1.6% | 20.0% | ||
| Q4 24 | -15.7% | 22.6% | ||
| Q3 24 | -3.4% | 19.9% | ||
| Q2 24 | -5.7% | 20.0% | ||
| Q1 24 | 1.7% | 13.1% |
| Q4 25 | -5.3% | 18.7% | ||
| Q3 25 | -21.6% | 19.6% | ||
| Q2 25 | -15.9% | 21.2% | ||
| Q1 25 | -3.5% | 16.5% | ||
| Q4 24 | -4.0% | 18.8% | ||
| Q3 24 | -2.7% | 16.1% | ||
| Q2 24 | -3.0% | 16.1% | ||
| Q1 24 | -3.2% | 11.1% |
| Q4 25 | $-0.12 | $2.08 | ||
| Q3 25 | $-0.52 | $2.18 | ||
| Q2 25 | $-0.34 | $2.37 | ||
| Q1 25 | $-0.06 | $1.66 | ||
| Q4 24 | — | $1.85 | ||
| Q3 24 | $-0.07 | $1.65 | ||
| Q2 24 | $-0.07 | $1.50 | ||
| Q1 24 | — | $1.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $48.1M | $261.8M |
| Total Assets | $57.8M | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $41.2M | — | ||
| Q2 25 | $2.8M | — | ||
| Q1 25 | $2.0M | — | ||
| Q4 24 | $32.0K | — | ||
| Q3 24 | $262 | — | ||
| Q2 24 | $226 | — | ||
| Q1 24 | $50 | — |
| Q4 25 | $48.1M | $261.8M | ||
| Q3 25 | $50.7M | $253.3M | ||
| Q2 25 | $78.3M | $240.3M | ||
| Q1 25 | $81.8M | $234.6M | ||
| Q4 24 | $82.3M | $226.4M | ||
| Q3 24 | $82.9M | $227.3M | ||
| Q2 24 | $83.2M | $218.5M | ||
| Q1 24 | $83.6M | $216.3M |
| Q4 25 | $57.8M | $2.8B | ||
| Q3 25 | $83.6M | $2.7B | ||
| Q2 25 | $149.7M | $2.7B | ||
| Q1 25 | $152.3M | $2.6B | ||
| Q4 24 | $150.1M | $2.6B | ||
| Q3 24 | $157.3K | $2.6B | ||
| Q2 24 | $159.8K | $2.5B | ||
| Q1 24 | $170.6K | $2.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.7M | $24.5M |
| Free Cash FlowOCF − Capex | $1.7M | $22.2M |
| FCF MarginFCF / Revenue | 7.6% | 61.8% |
| Capex IntensityCapex / Revenue | 0.1% | 6.5% |
| Cash ConversionOCF / Net Profit | — | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $-16.0K | $42.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $24.5M | ||
| Q3 25 | $-4.8M | $23.4M | ||
| Q2 25 | $2.2M | $-4.4M | ||
| Q1 25 | $1.1M | $3.2M | ||
| Q4 24 | $3.2M | $36.8M | ||
| Q3 24 | $6.5M | $404.0K | ||
| Q2 24 | $7.3M | $1.7M | ||
| Q1 24 | $7.4M | $895.0K |
| Q4 25 | $1.7M | $22.2M | ||
| Q3 25 | $-4.9M | $22.7M | ||
| Q2 25 | $2.1M | $-5.0M | ||
| Q1 25 | $1.0M | $2.9M | ||
| Q4 24 | $2.5M | $33.3M | ||
| Q3 24 | $6.5M | $-1.6M | ||
| Q2 24 | $7.3M | $1.2M | ||
| Q1 24 | $6.9M | $410.0K |
| Q4 25 | 7.6% | 61.8% | ||
| Q3 25 | -18.1% | 63.0% | ||
| Q2 25 | 9.1% | -13.6% | ||
| Q1 25 | 5.0% | 9.0% | ||
| Q4 24 | 10.2% | 103.8% | ||
| Q3 24 | 21.7% | -4.9% | ||
| Q2 24 | 28.5% | 3.7% | ||
| Q1 24 | 28.1% | 1.3% |
| Q4 25 | 0.1% | 6.5% | ||
| Q3 25 | 0.4% | 2.1% | ||
| Q2 25 | 0.0% | 1.6% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 3.0% | 10.9% | ||
| Q3 24 | 0.0% | 6.1% | ||
| Q2 24 | 0.0% | 1.7% | ||
| Q1 24 | 2.0% | 1.6% |
| Q4 25 | — | 3.65× | ||
| Q3 25 | — | 3.31× | ||
| Q2 25 | — | -0.57× | ||
| Q1 25 | — | 0.60× | ||
| Q4 24 | — | 6.09× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.34× | ||
| Q1 24 | — | 0.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BGSF
| Contract Field Talent | $21.4M | 97% |
| Other | $595.0K | 3% |
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
