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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Clearfield, Inc. (CLFD). 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 $34.3M, roughly 1.0× Clearfield, Inc.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -1.8%, a 20.5% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -3.2%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-2.4M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -3.5%).
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.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
CFFI vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $34.3M |
| Net Profit | $6.7M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | 22.6% | -5.3% |
| Net Margin | 18.7% | -1.8% |
| Revenue YoY | 12.0% | -3.2% |
| Net Profit YoY | 11.0% | 67.8% |
| EPS (diluted) | $2.08 | $-0.04 |
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 | $34.3M | ||
| Q3 25 | $36.0M | $23.4M | ||
| Q2 25 | $36.4M | $49.9M | ||
| Q1 25 | $32.6M | $47.2M | ||
| Q4 24 | $32.0M | $29.7M | ||
| Q3 24 | $33.5M | $5.6M | ||
| Q2 24 | $31.2M | $48.8M | ||
| Q1 24 | $30.6M | $36.9M |
| Q4 25 | $6.7M | $-614.0K | ||
| Q3 25 | $7.1M | $-9.1M | ||
| Q2 25 | $7.7M | $1.6M | ||
| Q1 25 | $5.4M | $1.3M | ||
| Q4 24 | $6.0M | $-1.9M | ||
| Q3 24 | $5.4M | — | ||
| Q2 24 | $5.0M | $-447.0K | ||
| Q1 24 | $3.4M | $-5.9M |
| Q4 25 | — | 33.2% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.9% | ||
| Q1 24 | — | 7.7% |
| Q4 25 | 22.6% | -5.3% | ||
| Q3 25 | 24.5% | 10.3% | ||
| Q2 25 | 26.5% | 3.0% | ||
| Q1 25 | 20.0% | 0.6% | ||
| Q4 24 | 22.6% | -6.9% | ||
| Q3 24 | 19.9% | — | ||
| Q2 24 | 20.0% | -4.7% | ||
| Q1 24 | 13.1% | -26.4% |
| Q4 25 | 18.7% | -1.8% | ||
| Q3 25 | 19.6% | -38.8% | ||
| Q2 25 | 21.2% | 3.2% | ||
| Q1 25 | 16.5% | 2.8% | ||
| Q4 24 | 18.8% | -6.4% | ||
| Q3 24 | 16.1% | — | ||
| Q2 24 | 16.1% | -0.9% | ||
| Q1 24 | 11.1% | -16.0% |
| Q4 25 | $2.08 | $-0.04 | ||
| Q3 25 | $2.18 | $-0.65 | ||
| Q2 25 | $2.37 | $0.11 | ||
| Q1 25 | $1.66 | $0.09 | ||
| Q4 24 | $1.85 | $-0.13 | ||
| Q3 24 | $1.65 | — | ||
| Q2 24 | $1.50 | $-0.04 | ||
| Q1 24 | $1.01 | $-0.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $249.7M |
| Total Assets | $2.8B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $106.0M | ||
| Q2 25 | — | $117.2M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $113.0M | ||
| Q3 24 | — | $129.0M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $142.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $249.7M | ||
| Q3 25 | $253.3M | $256.2M | ||
| Q2 25 | $240.3M | $264.5M | ||
| Q1 25 | $234.6M | $265.9M | ||
| Q4 24 | $226.4M | $267.4M | ||
| Q3 24 | $227.3M | $275.8M | ||
| Q2 24 | $218.5M | $274.6M | ||
| Q1 24 | $216.3M | $279.2M |
| Q4 25 | $2.8B | $268.1M | ||
| Q3 25 | $2.7B | $306.2M | ||
| Q2 25 | $2.7B | $314.7M | ||
| Q1 25 | $2.6B | $310.9M | ||
| Q4 24 | $2.6B | $303.2M | ||
| Q3 24 | $2.6B | $315.3M | ||
| Q2 24 | $2.5B | $318.1M | ||
| Q1 24 | $2.5B | $315.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| Q1 24 | — | — |
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 | $-1.4M |
| Free Cash FlowOCF − Capex | $22.2M | $-2.4M |
| FCF MarginFCF / Revenue | 61.8% | -7.1% |
| Capex IntensityCapex / Revenue | 6.5% | 2.9% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-1.4M | ||
| Q3 25 | $23.4M | — | ||
| Q2 25 | $-4.4M | $7.9M | ||
| Q1 25 | $3.2M | $3.0M | ||
| Q4 24 | $36.8M | $7.2M | ||
| Q3 24 | $404.0K | $22.2M | ||
| Q2 24 | $1.7M | $4.0M | ||
| Q1 24 | $895.0K | $-5.7M |
| Q4 25 | $22.2M | $-2.4M | ||
| Q3 25 | $22.7M | — | ||
| Q2 25 | $-5.0M | $7.5M | ||
| Q1 25 | $2.9M | $654.0K | ||
| Q4 24 | $33.3M | $5.1M | ||
| Q3 24 | $-1.6M | $18.2M | ||
| Q2 24 | $1.2M | $2.8M | ||
| Q1 24 | $410.0K | $-7.7M |
| Q4 25 | 61.8% | -7.1% | ||
| Q3 25 | 63.0% | — | ||
| Q2 25 | -13.6% | 15.1% | ||
| Q1 25 | 9.0% | 1.4% | ||
| Q4 24 | 103.8% | 17.1% | ||
| Q3 24 | -4.9% | 323.0% | ||
| Q2 24 | 3.7% | 5.8% | ||
| Q1 24 | 1.3% | -20.8% |
| Q4 25 | 6.5% | 2.9% | ||
| Q3 25 | 2.1% | 2.0% | ||
| Q2 25 | 1.6% | 0.8% | ||
| Q1 25 | 0.8% | 5.1% | ||
| Q4 24 | 10.9% | 7.0% | ||
| Q3 24 | 6.1% | 71.4% | ||
| Q2 24 | 1.7% | 2.5% | ||
| Q1 24 | 1.6% | 5.3% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | 4.93× | ||
| Q1 25 | 0.60× | 2.30× | ||
| 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
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
CLFD
Segment breakdown not available.
