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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and FGI Industries Ltd. (FGI). 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 $30.5M, roughly 1.2× FGI Industries Ltd.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -8.6%, a 27.3% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -14.4%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $2.3M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -0.5%).
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.
FGI Industries Ltd is a global designer, manufacturer and distributor of kitchen and bath products, home organization solutions, and home improvement goods. It serves major retail chains, home specialty stores and e-commerce platforms across North America, Europe and the Asia-Pacific region.
CFFI vs FGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $30.5M |
| Net Profit | $6.7M | $-2.6M |
| Gross Margin | — | 26.7% |
| Operating Margin | 22.6% | -2.2% |
| Net Margin | 18.7% | -8.6% |
| Revenue YoY | 12.0% | -14.4% |
| Net Profit YoY | 11.0% | -553.1% |
| EPS (diluted) | $2.08 | $-1.63 |
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 | $30.5M | ||
| Q3 25 | $36.0M | $35.8M | ||
| Q2 25 | $36.4M | $31.0M | ||
| Q1 25 | $32.6M | $33.2M | ||
| Q4 24 | $32.0M | $35.6M | ||
| Q3 24 | $33.5M | $36.1M | ||
| Q2 24 | $31.2M | $29.4M | ||
| Q1 24 | $30.6M | $30.8M |
| Q4 25 | $6.7M | $-2.6M | ||
| Q3 25 | $7.1M | $-1.7M | ||
| Q2 25 | $7.7M | $-1.2M | ||
| Q1 25 | $5.4M | $-629.1K | ||
| Q4 24 | $6.0M | $-402.3K | ||
| Q3 24 | $5.4M | $-550.1K | ||
| Q2 24 | $5.0M | $163.6K | ||
| Q1 24 | $3.4M | $-412.2K |
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 28.1% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 25.8% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 27.4% |
| Q4 25 | 22.6% | -2.2% | ||
| Q3 25 | 24.5% | 1.0% | ||
| Q2 25 | 26.5% | -2.7% | ||
| Q1 25 | 20.0% | -3.9% | ||
| Q4 24 | 22.6% | -3.5% | ||
| Q3 24 | 19.9% | -0.2% | ||
| Q2 24 | 20.0% | -1.5% | ||
| Q1 24 | 13.1% | -1.0% |
| Q4 25 | 18.7% | -8.6% | ||
| Q3 25 | 19.6% | -4.6% | ||
| Q2 25 | 21.2% | -4.0% | ||
| Q1 25 | 16.5% | -1.9% | ||
| Q4 24 | 18.8% | -1.1% | ||
| Q3 24 | 16.1% | -1.5% | ||
| Q2 24 | 16.1% | 0.6% | ||
| Q1 24 | 11.1% | -1.3% |
| Q4 25 | $2.08 | $-1.63 | ||
| Q3 25 | $2.18 | $-0.86 | ||
| Q2 25 | $2.37 | $-0.64 | ||
| Q1 25 | $1.66 | $-0.07 | ||
| Q4 24 | $1.85 | $-0.38 | ||
| Q3 24 | $1.65 | $-0.29 | ||
| Q2 24 | $1.50 | $0.08 | ||
| Q1 24 | $1.01 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $17.3M |
| Total Assets | $2.8B | $69.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.9M | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $2.5M | ||
| Q1 25 | — | $1.2M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $3.3M |
| Q4 25 | $261.8M | $17.3M | ||
| Q3 25 | $253.3M | $19.7M | ||
| Q2 25 | $240.3M | $21.3M | ||
| Q1 25 | $234.6M | $21.8M | ||
| Q4 24 | $226.4M | $22.3M | ||
| Q3 24 | $227.3M | $23.5M | ||
| Q2 24 | $218.5M | $23.8M | ||
| Q1 24 | $216.3M | $23.9M |
| Q4 25 | $2.8B | $69.5M | ||
| Q3 25 | $2.7B | $73.0M | ||
| Q2 25 | $2.7B | $71.7M | ||
| Q1 25 | $2.6B | $68.5M | ||
| Q4 24 | $2.6B | $75.5M | ||
| Q3 24 | $2.6B | $74.7M | ||
| Q2 24 | $2.5B | $69.9M | ||
| Q1 24 | $2.5B | $68.6M |
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 | $2.3M |
| Free Cash FlowOCF − Capex | $22.2M | $2.3M |
| FCF MarginFCF / Revenue | 61.8% | 7.5% |
| Capex IntensityCapex / Revenue | 6.5% | 0.2% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-212.5K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $2.3M | ||
| Q3 25 | $23.4M | $-1.9M | ||
| Q2 25 | $-4.4M | $7.6M | ||
| Q1 25 | $3.2M | $-7.4M | ||
| Q4 24 | $36.8M | $617.4K | ||
| Q3 24 | $404.0K | $-915.0K | ||
| Q2 24 | $1.7M | $862.1K | ||
| Q1 24 | $895.0K | $-8.0M |
| Q4 25 | $22.2M | $2.3M | ||
| Q3 25 | $22.7M | $-2.1M | ||
| Q2 25 | $-5.0M | $7.4M | ||
| Q1 25 | $2.9M | $-7.7M | ||
| Q4 24 | $33.3M | $-214.1K | ||
| Q3 24 | $-1.6M | $-1.1M | ||
| Q2 24 | $1.2M | $281.5K | ||
| Q1 24 | $410.0K | $-8.6M |
| Q4 25 | 61.8% | 7.5% | ||
| Q3 25 | 63.0% | -5.9% | ||
| Q2 25 | -13.6% | 23.8% | ||
| Q1 25 | 9.0% | -23.3% | ||
| Q4 24 | 103.8% | -0.6% | ||
| Q3 24 | -4.9% | -3.0% | ||
| Q2 24 | 3.7% | 1.0% | ||
| Q1 24 | 1.3% | -28.0% |
| Q4 25 | 6.5% | 0.2% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.7% | ||
| Q1 25 | 0.8% | 1.1% | ||
| Q4 24 | 10.9% | 2.3% | ||
| Q3 24 | 6.1% | 0.5% | ||
| Q2 24 | 1.7% | 2.0% | ||
| Q1 24 | 1.6% | 2.0% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | 5.27× | ||
| 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% |
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
