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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and FutureFuel Corp. (FF). 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 $19.8M, roughly 1.8× FutureFuel Corp.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -60.5%, a 79.2% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -67.7%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-29.9M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -41.7%).
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.
FutureFuel Corporation is a developer and producer of chemicals and biofuels. It is listed on the New York Stock Exchange, with symbol FF.
CFFI vs FF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $19.8M |
| Net Profit | $6.7M | $-12.0M |
| Gross Margin | — | -46.7% |
| Operating Margin | 22.6% | -62.9% |
| Net Margin | 18.7% | -60.5% |
| Revenue YoY | 12.0% | -67.7% |
| Net Profit YoY | 11.0% | -529.4% |
| EPS (diluted) | $2.08 | $-0.28 |
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 | $19.8M | ||
| Q3 25 | $36.0M | $22.7M | ||
| Q2 25 | $36.4M | $35.7M | ||
| Q1 25 | $32.6M | $17.5M | ||
| Q4 24 | $32.0M | $61.5M | ||
| Q3 24 | $33.5M | $51.1M | ||
| Q2 24 | $31.2M | $72.4M | ||
| Q1 24 | $30.6M | $58.3M |
| Q4 25 | $6.7M | $-12.0M | ||
| Q3 25 | $7.1M | $-9.3M | ||
| Q2 25 | $7.7M | $-10.4M | ||
| Q1 25 | $5.4M | $-17.6M | ||
| Q4 24 | $6.0M | $2.8M | ||
| Q3 24 | $5.4M | $-1.2M | ||
| Q2 24 | $5.0M | $9.6M | ||
| Q1 24 | $3.4M | $4.3M |
| Q4 25 | — | -46.7% | ||
| Q3 25 | — | -30.1% | ||
| Q2 25 | — | -24.6% | ||
| Q1 25 | — | -83.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 12.0% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | 22.6% | -62.9% | ||
| Q3 25 | 24.5% | -42.9% | ||
| Q2 25 | 26.5% | -33.4% | ||
| Q1 25 | 20.0% | -107.4% | ||
| Q4 24 | 22.6% | 2.6% | ||
| Q3 24 | 19.9% | -5.6% | ||
| Q2 24 | 20.0% | 7.5% | ||
| Q1 24 | 13.1% | 3.8% |
| Q4 25 | 18.7% | -60.5% | ||
| Q3 25 | 19.6% | -41.1% | ||
| Q2 25 | 21.2% | -29.2% | ||
| Q1 25 | 16.5% | -100.6% | ||
| Q4 24 | 18.8% | 4.5% | ||
| Q3 24 | 16.1% | -2.3% | ||
| Q2 24 | 16.1% | 13.2% | ||
| Q1 24 | 11.1% | 7.4% |
| Q4 25 | $2.08 | $-0.28 | ||
| Q3 25 | $2.18 | $-0.21 | ||
| Q2 25 | $2.37 | $-0.24 | ||
| Q1 25 | $1.66 | $-0.40 | ||
| Q4 24 | $1.85 | $0.06 | ||
| Q3 24 | $1.65 | $-0.03 | ||
| Q2 24 | $1.50 | $0.22 | ||
| Q1 24 | $1.01 | $0.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $51.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $154.7M |
| Total Assets | $2.8B | $192.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $51.3M | ||
| Q3 25 | — | $85.6M | ||
| Q2 25 | — | $95.2M | ||
| Q1 25 | — | $97.1M | ||
| Q4 24 | — | $109.5M | ||
| Q3 24 | — | $133.4M | ||
| Q2 24 | — | $115.1M | ||
| Q1 24 | — | $201.1M |
| Q4 25 | $261.8M | $154.7M | ||
| Q3 25 | $253.3M | $169.1M | ||
| Q2 25 | $240.3M | $178.2M | ||
| Q1 25 | $234.6M | $188.4M | ||
| Q4 24 | $226.4M | $205.8M | ||
| Q3 24 | $227.3M | $213.3M | ||
| Q2 24 | $218.5M | $214.4M | ||
| Q1 24 | $216.3M | $204.8M |
| Q4 25 | $2.8B | $192.2M | ||
| Q3 25 | $2.7B | $203.5M | ||
| Q2 25 | $2.7B | $218.2M | ||
| Q1 25 | $2.6B | $227.7M | ||
| Q4 24 | $2.6B | $247.7M | ||
| Q3 24 | $2.6B | $256.5M | ||
| Q2 24 | $2.5B | $261.2M | ||
| Q1 24 | $2.5B | $365.4M |
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 | $-27.4M |
| Free Cash FlowOCF − Capex | $22.2M | $-29.9M |
| FCF MarginFCF / Revenue | 61.8% | -150.5% |
| Capex IntensityCapex / Revenue | 6.5% | 12.2% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-27.4M | ||
| Q3 25 | $23.4M | $-1.1M | ||
| Q2 25 | $-4.4M | $5.2M | ||
| Q1 25 | $3.2M | $-5.4M | ||
| Q4 24 | $36.8M | $-16.6M | ||
| Q3 24 | $404.0K | $25.8M | ||
| Q2 24 | $1.7M | $27.8M | ||
| Q1 24 | $895.0K | $-12.2M |
| Q4 25 | $22.2M | $-29.9M | ||
| Q3 25 | $22.7M | $-6.5M | ||
| Q2 25 | $-5.0M | $-263.0K | ||
| Q1 25 | $2.9M | $-9.4M | ||
| Q4 24 | $33.3M | $-20.7M | ||
| Q3 24 | $-1.6M | $20.5M | ||
| Q2 24 | $1.2M | $24.8M | ||
| Q1 24 | $410.0K | $-14.5M |
| Q4 25 | 61.8% | -150.5% | ||
| Q3 25 | 63.0% | -28.5% | ||
| Q2 25 | -13.6% | -0.7% | ||
| Q1 25 | 9.0% | -53.6% | ||
| Q4 24 | 103.8% | -33.6% | ||
| Q3 24 | -4.9% | 40.1% | ||
| Q2 24 | 3.7% | 34.3% | ||
| Q1 24 | 1.3% | -24.9% |
| Q4 25 | 6.5% | 12.2% | ||
| Q3 25 | 2.1% | 23.5% | ||
| Q2 25 | 1.6% | 15.3% | ||
| Q1 25 | 0.8% | 22.8% | ||
| Q4 24 | 10.9% | 6.6% | ||
| Q3 24 | 6.1% | 10.4% | ||
| Q2 24 | 1.7% | 4.1% | ||
| Q1 24 | 1.6% | 3.9% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | -5.94× | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | 2.90× | ||
| Q1 24 | 0.26× | -2.82× |
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% |
FF
| Chemicals | $18.0M | 91% |
| Biofuels | $1.8M | 9% |
