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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Community West Bancshares (CWBC). Click either name above to swap in a different company.
Community West Bancshares is the larger business by last-quarter revenue ($38.3M vs $35.9M, roughly 1.1× C & F FINANCIAL CORP). On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 11.6%). Community West Bancshares produced more free cash flow last quarter ($43.6M vs $22.2M). Over the past eight quarters, Community West Bancshares's revenue compounded faster (36.0% 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.
Community West BancsharesCWBCEarnings & Financial Report
Community West Bancshares is a registered bank holding company headquartered in California. It wholly owns Community West Bank under the Bank Holding Company Act.
CFFI vs CWBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $38.3M |
| Net Profit | $6.7M | — |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 40.0% |
| Net Margin | 18.7% | — |
| Revenue YoY | 12.0% | 11.6% |
| Net Profit YoY | 11.0% | — |
| EPS (diluted) | $2.08 | $0.58 |
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 | $38.3M | ||
| Q3 25 | $36.0M | $37.9M | ||
| Q2 25 | $36.4M | $35.7M | ||
| Q1 25 | $32.6M | $34.8M | ||
| Q4 24 | $32.0M | $34.3M | ||
| Q3 24 | $33.5M | $31.3M | ||
| Q2 24 | $31.2M | $30.5M | ||
| Q1 24 | $30.6M | $20.7M |
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $10.9M | ||
| Q2 25 | $7.7M | $7.8M | ||
| Q1 25 | $5.4M | $8.3M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $3.4M | ||
| Q2 24 | $5.0M | $-6.3M | ||
| Q1 24 | $3.4M | $3.7M |
| Q4 25 | 22.6% | 40.0% | ||
| Q3 25 | 24.5% | 39.8% | ||
| Q2 25 | 26.5% | 30.2% | ||
| Q1 25 | 20.0% | 32.7% | ||
| Q4 24 | 22.6% | 31.0% | ||
| Q3 24 | 19.9% | 13.3% | ||
| Q2 24 | 20.0% | -25.9% | ||
| Q1 24 | 13.1% | 23.2% |
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | 28.7% | ||
| Q2 25 | 21.2% | 22.0% | ||
| Q1 25 | 16.5% | 23.8% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | 10.8% | ||
| Q2 24 | 16.1% | -20.7% | ||
| Q1 24 | 11.1% | 17.8% |
| Q4 25 | $2.08 | $0.58 | ||
| Q3 25 | $2.18 | $0.57 | ||
| Q2 25 | $2.37 | $0.41 | ||
| Q1 25 | $1.66 | $0.44 | ||
| Q4 24 | $1.85 | $0.29 | ||
| Q3 24 | $1.65 | $0.18 | ||
| Q2 24 | $1.50 | $-0.33 | ||
| Q1 24 | $1.01 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $119.0M |
| Total DebtLower is stronger | — | $69.5M |
| Stockholders' EquityBook value | $261.8M | $409.6M |
| Total Assets | $2.8B | $3.7B |
| Debt / EquityLower = less leverage | — | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $119.0M | ||
| Q3 25 | — | $121.6M | ||
| Q2 25 | — | $134.4M | ||
| Q1 25 | — | $148.4M | ||
| Q4 24 | — | $120.4M | ||
| Q3 24 | — | $149.0M | ||
| Q2 24 | — | $109.7M | ||
| Q1 24 | — | $61.0M |
| Q4 25 | — | $69.5M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $69.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $409.6M | ||
| Q3 25 | $253.3M | $397.6M | ||
| Q2 25 | $240.3M | $380.0M | ||
| Q1 25 | $234.6M | $372.2M | ||
| Q4 24 | $226.4M | $362.7M | ||
| Q3 24 | $227.3M | $363.5M | ||
| Q2 24 | $218.5M | $350.2M | ||
| Q1 24 | $216.3M | $211.7M |
| Q4 25 | $2.8B | $3.7B | ||
| Q3 25 | $2.7B | $3.6B | ||
| Q2 25 | $2.7B | $3.6B | ||
| Q1 25 | $2.6B | $3.6B | ||
| Q4 24 | $2.6B | $3.5B | ||
| Q3 24 | $2.6B | $3.5B | ||
| Q2 24 | $2.5B | $3.5B | ||
| Q1 24 | $2.5B | $2.4B |
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.19× | ||
| 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 | $46.1M |
| Free Cash FlowOCF − Capex | $22.2M | $43.6M |
| FCF MarginFCF / Revenue | 61.8% | 113.9% |
| Capex IntensityCapex / Revenue | 6.5% | 6.6% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $77.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $46.1M | ||
| Q3 25 | $23.4M | $13.2M | ||
| Q2 25 | $-4.4M | $11.5M | ||
| Q1 25 | $3.2M | $11.1M | ||
| Q4 24 | $36.8M | $22.2M | ||
| Q3 24 | $404.0K | $7.8M | ||
| Q2 24 | $1.7M | $5.2M | ||
| Q1 24 | $895.0K | $4.0M |
| Q4 25 | $22.2M | $43.6M | ||
| Q3 25 | $22.7M | $12.8M | ||
| Q2 25 | $-5.0M | $10.6M | ||
| Q1 25 | $2.9M | $10.8M | ||
| Q4 24 | $33.3M | $17.2M | ||
| Q3 24 | $-1.6M | $5.2M | ||
| Q2 24 | $1.2M | $4.8M | ||
| Q1 24 | $410.0K | $3.6M |
| Q4 25 | 61.8% | 113.9% | ||
| Q3 25 | 63.0% | 33.7% | ||
| Q2 25 | -13.6% | 29.6% | ||
| Q1 25 | 9.0% | 30.9% | ||
| Q4 24 | 103.8% | 50.0% | ||
| Q3 24 | -4.9% | 16.7% | ||
| Q2 24 | 3.7% | 15.7% | ||
| Q1 24 | 1.3% | 17.3% |
| Q4 25 | 6.5% | 6.6% | ||
| Q3 25 | 2.1% | 1.1% | ||
| Q2 25 | 1.6% | 2.7% | ||
| Q1 25 | 0.8% | 0.9% | ||
| Q4 24 | 10.9% | 14.7% | ||
| Q3 24 | 6.1% | 8.1% | ||
| Q2 24 | 1.7% | 1.4% | ||
| Q1 24 | 1.6% | 2.1% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | 1.21× | ||
| Q2 25 | -0.57× | 1.47× | ||
| Q1 25 | 0.60× | 1.33× | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | 2.29× | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.26× | 1.09× |
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% |
CWBC
Segment breakdown not available.
