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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and CPI AEROSTRUCTURES INC (CVU). 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 $19.4M, roughly 1.8× CPI AEROSTRUCTURES INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 3.6%, a 15.1% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -10.8%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-2.1M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 0.9%).
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.
CPI Aerostructures Inc., known as CPI Aero, is a contract aircraft component manufacturer based in Edgewood, New York.
CFFI vs CVU — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $19.4M |
| Net Profit | $6.7M | $691.8K |
| Gross Margin | — | 20.3% |
| Operating Margin | 22.6% | 6.4% |
| Net Margin | 18.7% | 3.6% |
| Revenue YoY | 12.0% | -10.8% |
| Net Profit YoY | 11.0% | -28.8% |
| 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 | $19.4M | ||
| Q3 25 | $36.0M | $19.3M | ||
| Q2 25 | $36.4M | $15.2M | ||
| Q1 25 | $32.6M | $15.4M | ||
| Q4 24 | $32.0M | $21.8M | ||
| Q3 24 | $33.5M | $19.4M | ||
| Q2 24 | $31.2M | $20.8M | ||
| Q1 24 | $30.6M | $19.1M |
| Q4 25 | $6.7M | $691.8K | ||
| Q3 25 | $7.1M | $1.1M | ||
| Q2 25 | $7.7M | $-1.3M | ||
| Q1 25 | $5.4M | $-1.3M | ||
| Q4 24 | $6.0M | $971.5K | ||
| Q3 24 | $5.4M | $749.7K | ||
| Q2 24 | $5.0M | $1.4M | ||
| Q1 24 | $3.4M | $168.2K |
| Q4 25 | — | 20.3% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 4.4% | ||
| Q1 25 | — | 10.7% | ||
| Q4 24 | — | 20.0% | ||
| Q3 24 | — | 21.7% | ||
| Q2 24 | — | 24.6% | ||
| Q1 24 | — | 18.6% |
| Q4 25 | 22.6% | 6.4% | ||
| Q3 25 | 24.5% | 9.1% | ||
| Q2 25 | 26.5% | -13.1% | ||
| Q1 25 | 20.0% | -7.7% | ||
| Q4 24 | 22.6% | 9.5% | ||
| Q3 24 | 19.9% | 7.6% | ||
| Q2 24 | 20.0% | 11.2% | ||
| Q1 24 | 13.1% | 4.4% |
| Q4 25 | 18.7% | 3.6% | ||
| Q3 25 | 19.6% | 5.8% | ||
| Q2 25 | 21.2% | -8.7% | ||
| Q1 25 | 16.5% | -8.6% | ||
| Q4 24 | 18.8% | 4.5% | ||
| Q3 24 | 16.1% | 3.9% | ||
| Q2 24 | 16.1% | 6.8% | ||
| Q1 24 | 11.1% | 0.9% |
| Q4 25 | $2.08 | $0.04 | ||
| Q3 25 | $2.18 | $0.09 | ||
| Q2 25 | $2.37 | $-0.10 | ||
| Q1 25 | $1.66 | $-0.10 | ||
| Q4 24 | $1.85 | $0.08 | ||
| Q3 24 | $1.65 | $0.06 | ||
| Q2 24 | $1.50 | $0.11 | ||
| Q1 24 | $1.01 | $0.01 |
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 | — | $0 |
| Stockholders' EquityBook value | $261.8M | $25.8M |
| Total Assets | $2.8B | $75.2M |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $0 | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $26.5K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $25.8M | ||
| Q3 25 | $253.3M | $25.0M | ||
| Q2 25 | $240.3M | $23.8M | ||
| Q1 25 | $234.6M | $24.9M | ||
| Q4 24 | $226.4M | $25.9M | ||
| Q3 24 | $227.3M | $24.9M | ||
| Q2 24 | $218.5M | $24.1M | ||
| Q1 24 | $216.3M | $22.5M |
| Q4 25 | $2.8B | $75.2M | ||
| Q3 25 | $2.7B | $74.1M | ||
| Q2 25 | $2.7B | $72.3M | ||
| Q1 25 | $2.6B | $65.4M | ||
| Q4 24 | $2.6B | $68.0M | ||
| Q3 24 | $2.6B | $68.9M | ||
| Q2 24 | $2.5B | $70.2M | ||
| Q1 24 | $2.5B | $70.8M |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $-2.1M |
| Free Cash FlowOCF − Capex | $22.2M | $-2.1M |
| FCF MarginFCF / Revenue | 61.8% | -10.8% |
| Capex IntensityCapex / Revenue | 6.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.65× | -3.03× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-5.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-2.1M | ||
| Q3 25 | $23.4M | $212.1K | ||
| Q2 25 | $-4.4M | $-596.3K | ||
| Q1 25 | $3.2M | $-2.7M | ||
| Q4 24 | $36.8M | $4.4M | ||
| Q3 24 | $404.0K | $715.1K | ||
| Q2 24 | $1.7M | $-591.7K | ||
| Q1 24 | $895.0K | $-960.5K |
| Q4 25 | $22.2M | $-2.1M | ||
| Q3 25 | $22.7M | $211.1K | ||
| Q2 25 | $-5.0M | $-599.8K | ||
| Q1 25 | $2.9M | $-2.8M | ||
| Q4 24 | $33.3M | $4.3M | ||
| Q3 24 | $-1.6M | $586.9K | ||
| Q2 24 | $1.2M | $-746.9K | ||
| Q1 24 | $410.0K | $-1.0M |
| Q4 25 | 61.8% | -10.8% | ||
| Q3 25 | 63.0% | 1.1% | ||
| Q2 25 | -13.6% | -4.0% | ||
| Q1 25 | 9.0% | -18.1% | ||
| Q4 24 | 103.8% | 19.9% | ||
| Q3 24 | -4.9% | 3.0% | ||
| Q2 24 | 3.7% | -3.6% | ||
| Q1 24 | 1.3% | -5.3% |
| Q4 25 | 6.5% | 0.0% | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 1.6% | 0.0% | ||
| Q1 25 | 0.8% | 0.4% | ||
| Q4 24 | 10.9% | 0.3% | ||
| Q3 24 | 6.1% | 0.7% | ||
| Q2 24 | 1.7% | 0.7% | ||
| Q1 24 | 1.6% | 0.2% |
| Q4 25 | 3.65× | -3.03× | ||
| Q3 25 | 3.31× | 0.19× | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 4.53× | ||
| Q3 24 | 0.07× | 0.95× | ||
| Q2 24 | 0.34× | -0.42× | ||
| Q1 24 | 0.26× | -5.71× |
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% |
CVU
| Government Subcontracts | $16.4M | 85% |
| Commercial Contracts | $2.3M | 12% |
| Prime Government Contracts | $725.8K | 4% |
