vs
Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Cytek Biosciences, Inc. (CTKB). Click either name above to swap in a different company.
Cytek Biosciences, Inc. is the larger business by last-quarter revenue ($62.1M vs $35.9M, roughly 1.7× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -70.9%, a 89.6% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 8.1%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-1.8M). Over the past eight quarters, Cytek Biosciences, Inc.'s revenue compounded faster (17.7% CAGR vs 8.2%).
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.
Cytek Biosciences, Inc. develops, manufactures and sells high-performance flow cytometry systems, associated reagents and analysis software. Its solutions serve life science research, clinical diagnostics and biopharmaceutical sectors, with a global customer base across North America, Europe and the Asia-Pacific region.
CFFI vs CTKB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $62.1M |
| Net Profit | $6.7M | $-44.1M |
| Gross Margin | — | 52.9% |
| Operating Margin | 22.6% | -9.0% |
| Net Margin | 18.7% | -70.9% |
| Revenue YoY | 12.0% | 8.1% |
| Net Profit YoY | 11.0% | -557.1% |
| EPS (diluted) | $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 | $35.9M | $62.1M | ||
| Q3 25 | $36.0M | $52.3M | ||
| Q2 25 | $36.4M | $45.6M | ||
| Q1 25 | $32.6M | $41.5M | ||
| Q4 24 | $32.0M | $57.5M | ||
| Q3 24 | $33.5M | $51.5M | ||
| Q2 24 | $31.2M | $46.6M | ||
| Q1 24 | $30.6M | $44.9M |
| Q4 25 | $6.7M | $-44.1M | ||
| Q3 25 | $7.1M | $-5.5M | ||
| Q2 25 | $7.7M | $-5.6M | ||
| Q1 25 | $5.4M | $-11.4M | ||
| Q4 24 | $6.0M | $9.6M | ||
| Q3 24 | $5.4M | $941.0K | ||
| Q2 24 | $5.0M | $-10.4M | ||
| Q1 24 | $3.4M | $-6.2M |
| Q4 25 | — | 52.9% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 52.3% | ||
| Q1 25 | — | 48.6% | ||
| Q4 24 | — | 58.5% | ||
| Q3 24 | — | 56.3% | ||
| Q2 24 | — | 54.6% | ||
| Q1 24 | — | 51.3% |
| Q4 25 | 22.6% | -9.0% | ||
| Q3 25 | 24.5% | -17.6% | ||
| Q2 25 | 26.5% | -23.3% | ||
| Q1 25 | 20.0% | -36.1% | ||
| Q4 24 | 22.6% | 5.2% | ||
| Q3 24 | 19.9% | -8.2% | ||
| Q2 24 | 20.0% | -18.3% | ||
| Q1 24 | 13.1% | -23.9% |
| Q4 25 | 18.7% | -70.9% | ||
| Q3 25 | 19.6% | -10.5% | ||
| Q2 25 | 21.2% | -12.2% | ||
| Q1 25 | 16.5% | -27.5% | ||
| Q4 24 | 18.8% | 16.8% | ||
| Q3 24 | 16.1% | 1.8% | ||
| Q2 24 | 16.1% | -22.4% | ||
| Q1 24 | 11.1% | -13.8% |
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | — | ||
| Q2 25 | $2.37 | — | ||
| Q1 25 | $1.66 | — | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.65 | — | ||
| Q2 24 | $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 | — | $90.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $341.7M |
| Total Assets | $2.8B | $461.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $90.9M | ||
| Q3 25 | — | $93.3M | ||
| Q2 25 | — | $75.5M | ||
| Q1 25 | — | $95.3M | ||
| Q4 24 | — | $98.7M | ||
| Q3 24 | — | $162.3M | ||
| Q2 24 | — | $177.9M | ||
| Q1 24 | — | $168.8M |
| Q4 25 | $261.8M | $341.7M | ||
| Q3 25 | $253.3M | $378.6M | ||
| Q2 25 | $240.3M | $377.6M | ||
| Q1 25 | $234.6M | $379.6M | ||
| Q4 24 | $226.4M | $395.7M | ||
| Q3 24 | $227.3M | $385.5M | ||
| Q2 24 | $218.5M | $389.1M | ||
| Q1 24 | $216.3M | $392.6M |
| Q4 25 | $2.8B | $461.5M | ||
| Q3 25 | $2.7B | $494.9M | ||
| Q2 25 | $2.7B | $493.3M | ||
| Q1 25 | $2.6B | $482.6M | ||
| Q4 24 | $2.6B | $499.5M | ||
| Q3 24 | $2.6B | $491.2M | ||
| Q2 24 | $2.5B | $483.7M | ||
| Q1 24 | $2.5B | $492.1M |
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 | $-771.0K |
| Free Cash FlowOCF − Capex | $22.2M | $-1.8M |
| FCF MarginFCF / Revenue | 61.8% | -2.9% |
| Capex IntensityCapex / Revenue | 6.5% | 1.6% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-8.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-771.0K | ||
| Q3 25 | $23.4M | $-3.9M | ||
| Q2 25 | $-4.4M | $108.0K | ||
| Q1 25 | $3.2M | $-125.0K | ||
| Q4 24 | $36.8M | $2.0M | ||
| Q3 24 | $404.0K | $13.2M | ||
| Q2 24 | $1.7M | $6.2M | ||
| Q1 24 | $895.0K | $4.0M |
| Q4 25 | $22.2M | $-1.8M | ||
| Q3 25 | $22.7M | $-4.6M | ||
| Q2 25 | $-5.0M | $-1.5M | ||
| Q1 25 | $2.9M | $-974.0K | ||
| Q4 24 | $33.3M | $1.1M | ||
| Q3 24 | $-1.6M | $12.2M | ||
| Q2 24 | $1.2M | $5.2M | ||
| Q1 24 | $410.0K | $3.4M |
| Q4 25 | 61.8% | -2.9% | ||
| Q3 25 | 63.0% | -8.7% | ||
| Q2 25 | -13.6% | -3.2% | ||
| Q1 25 | 9.0% | -2.3% | ||
| Q4 24 | 103.8% | 1.9% | ||
| Q3 24 | -4.9% | 23.7% | ||
| Q2 24 | 3.7% | 11.0% | ||
| Q1 24 | 1.3% | 7.6% |
| Q4 25 | 6.5% | 1.6% | ||
| Q3 25 | 2.1% | 1.3% | ||
| Q2 25 | 1.6% | 3.5% | ||
| Q1 25 | 0.8% | 2.0% | ||
| Q4 24 | 10.9% | 1.6% | ||
| Q3 24 | 6.1% | 2.0% | ||
| Q2 24 | 1.7% | 2.3% | ||
| Q1 24 | 1.6% | 1.3% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 0.21× | ||
| Q3 24 | 0.07× | 14.05× | ||
| 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% |
CTKB
| Products | $46.6M | 75% |
| Services | $15.5M | 25% |
