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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Clarus Corp (CLAR). Click either name above to swap in a different company.
Clarus Corp is the larger business by last-quarter revenue ($65.4M vs $35.9M, roughly 1.8× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -47.8%, a 66.5% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -8.4%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $11.6M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -2.9%).
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.
Clarus Corp is a global designer, manufacturer, and distributor of high-performance outdoor recreation, climbing, camping, and lifestyle products. It manages a portfolio of leading consumer brands, serving outdoor enthusiasts, professional athletes, and retail partners across North America, Europe, and the Asia-Pacific region, with a focus on innovative, durable gear for active lifestyles.
CFFI vs CLAR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $65.4M |
| Net Profit | $6.7M | $-31.3M |
| Gross Margin | — | 27.7% |
| Operating Margin | 22.6% | -59.6% |
| Net Margin | 18.7% | -47.8% |
| Revenue YoY | 12.0% | -8.4% |
| Net Profit YoY | 11.0% | 52.3% |
| EPS (diluted) | $2.08 | $-0.81 |
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 | $35.9M | $65.4M | ||
| Q3 25 | $36.0M | $69.3M | ||
| Q2 25 | $36.4M | $55.2M | ||
| Q1 25 | $32.6M | $60.4M | ||
| Q4 24 | $32.0M | $71.4M | ||
| Q3 24 | $33.5M | $67.1M | ||
| Q2 24 | $31.2M | $56.5M | ||
| Q1 24 | $30.6M | $69.3M |
| Q4 25 | $6.7M | $-31.3M | ||
| Q3 25 | $7.1M | $-1.6M | ||
| Q2 25 | $7.7M | $-8.4M | ||
| Q1 25 | $5.4M | $-5.2M | ||
| Q4 24 | $6.0M | $-65.5M | ||
| Q3 24 | $5.4M | $-3.2M | ||
| Q2 24 | $5.0M | $-5.5M | ||
| Q1 24 | $3.4M | $21.9M |
| Q4 25 | — | 27.7% | ||
| Q3 25 | — | 35.1% | ||
| Q2 25 | — | 35.6% | ||
| Q1 25 | — | 34.4% | ||
| Q4 24 | — | 33.4% | ||
| Q3 24 | — | 35.0% | ||
| Q2 24 | — | 36.1% | ||
| Q1 24 | — | 35.9% |
| Q4 25 | 22.6% | -59.6% | ||
| Q3 25 | 24.5% | -4.4% | ||
| Q2 25 | 26.5% | -19.7% | ||
| Q1 25 | 20.0% | -11.2% | ||
| Q4 24 | 22.6% | -70.2% | ||
| Q3 24 | 19.9% | -8.0% | ||
| Q2 24 | 20.0% | -14.4% | ||
| Q1 24 | 13.1% | -9.8% |
| Q4 25 | 18.7% | -47.8% | ||
| Q3 25 | 19.6% | -2.3% | ||
| Q2 25 | 21.2% | -15.3% | ||
| Q1 25 | 16.5% | -8.7% | ||
| Q4 24 | 18.8% | -91.8% | ||
| Q3 24 | 16.1% | -4.7% | ||
| Q2 24 | 16.1% | -9.7% | ||
| Q1 24 | 11.1% | 31.6% |
| Q4 25 | $2.08 | $-0.81 | ||
| Q3 25 | $2.18 | $-0.04 | ||
| Q2 25 | $2.37 | $-0.22 | ||
| Q1 25 | $1.66 | $-0.14 | ||
| Q4 24 | $1.85 | $-1.72 | ||
| Q3 24 | $1.65 | $-0.08 | ||
| Q2 24 | $1.50 | $-0.14 | ||
| Q1 24 | $1.01 | $0.57 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $36.7M |
| Total DebtLower is stronger | — | $0 |
| Stockholders' EquityBook value | $261.8M | $196.4M |
| Total Assets | $2.8B | $249.0M |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $36.7M | ||
| Q3 25 | — | $29.5M | ||
| Q2 25 | — | $28.5M | ||
| Q1 25 | — | $41.3M | ||
| Q4 24 | — | $45.4M | ||
| Q3 24 | — | $36.4M | ||
| Q2 24 | — | $46.2M | ||
| Q1 24 | — | $47.5M |
| Q4 25 | — | $0 | ||
| Q3 25 | — | $2.0M | ||
| Q2 25 | — | $1.9M | ||
| Q1 25 | — | $1.9M | ||
| Q4 24 | — | $1.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $37.0K |
| Q4 25 | $261.8M | $196.4M | ||
| Q3 25 | $253.3M | $225.8M | ||
| Q2 25 | $240.3M | $225.1M | ||
| Q1 25 | $234.6M | $229.3M | ||
| Q4 24 | $226.4M | $233.1M | ||
| Q3 24 | $227.3M | $308.5M | ||
| Q2 24 | $218.5M | $307.3M | ||
| Q1 24 | $216.3M | $310.4M |
| Q4 25 | $2.8B | $249.0M | ||
| Q3 25 | $2.7B | $283.1M | ||
| Q2 25 | $2.7B | $286.5M | ||
| Q1 25 | $2.6B | $292.8M | ||
| Q4 24 | $2.6B | $294.1M | ||
| Q3 24 | $2.6B | $375.3M | ||
| Q2 24 | $2.5B | $369.4M | ||
| Q1 24 | $2.5B | $377.0M |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.01× | ||
| Q2 25 | — | 0.01× | ||
| Q1 25 | — | 0.01× | ||
| Q4 24 | — | 0.01× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.00× |
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 | $24.5M | $12.5M |
| Free Cash FlowOCF − Capex | $22.2M | $11.6M |
| FCF MarginFCF / Revenue | 61.8% | 17.7% |
| Capex IntensityCapex / Revenue | 6.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $12.5M | ||
| Q3 25 | $23.4M | $-5.7M | ||
| Q2 25 | $-4.4M | $-9.4M | ||
| Q1 25 | $3.2M | $-2.1M | ||
| Q4 24 | $36.8M | $16.6M | ||
| Q3 24 | $404.0K | $-8.3M | ||
| Q2 24 | $1.7M | $834.0K | ||
| Q1 24 | $895.0K | $-16.4M |
| Q4 25 | $22.2M | $11.6M | ||
| Q3 25 | $22.7M | $-7.0M | ||
| Q2 25 | $-5.0M | $-11.3M | ||
| Q1 25 | $2.9M | $-3.3M | ||
| Q4 24 | $33.3M | $14.4M | ||
| Q3 24 | $-1.6M | $-9.4M | ||
| Q2 24 | $1.2M | $-744.0K | ||
| Q1 24 | $410.0K | $-18.3M |
| Q4 25 | 61.8% | 17.7% | ||
| Q3 25 | 63.0% | -10.0% | ||
| Q2 25 | -13.6% | -20.4% | ||
| Q1 25 | 9.0% | -5.4% | ||
| Q4 24 | 103.8% | 20.1% | ||
| Q3 24 | -4.9% | -14.0% | ||
| Q2 24 | 3.7% | -1.3% | ||
| Q1 24 | 1.3% | -26.3% |
| Q4 25 | 6.5% | 1.4% | ||
| Q3 25 | 2.1% | 1.8% | ||
| Q2 25 | 1.6% | 3.4% | ||
| Q1 25 | 0.8% | 2.0% | ||
| Q4 24 | 10.9% | 3.1% | ||
| Q3 24 | 6.1% | 1.6% | ||
| Q2 24 | 1.7% | 2.8% | ||
| Q1 24 | 1.6% | 2.7% |
| 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× | -0.75× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
CLAR
| Other | $37.1M | 57% |
| Outdoor Segment | $25.3M | 39% |
| Adventure Segment | $3.0M | 5% |
