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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and GENCOR INDUSTRIES INC (GENC). 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 $23.6M, roughly 1.5× GENCOR INDUSTRIES INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 14.6%, a 4.1% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -25.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $10.1M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -23.9%).
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.
Gencor Industries Inc is a leading manufacturer of heavy construction and infrastructure equipment, specializing in asphalt production plants, thermal combustion systems, and supporting road-building machinery. It primarily serves North American and global construction markets, supplying products to both public sector infrastructure projects and private commercial construction operators.
CFFI vs GENC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $23.6M |
| Net Profit | $6.7M | $3.4M |
| Gross Margin | — | 28.7% |
| Operating Margin | 22.6% | 13.2% |
| Net Margin | 18.7% | 14.6% |
| Revenue YoY | 12.0% | -25.0% |
| Net Profit YoY | 11.0% | -9.8% |
| EPS (diluted) | $2.08 | $0.23 |
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 | $23.6M | ||
| Q3 25 | $36.0M | $18.8M | ||
| Q2 25 | $36.4M | $27.0M | ||
| Q1 25 | $32.6M | $38.2M | ||
| Q4 24 | $32.0M | $31.4M | ||
| Q3 24 | $33.5M | $20.9M | ||
| Q2 24 | $31.2M | $25.6M | ||
| Q1 24 | $30.6M | $40.7M |
| Q4 25 | $6.7M | $3.4M | ||
| Q3 25 | $7.1M | $1.9M | ||
| Q2 25 | $7.7M | $3.8M | ||
| Q1 25 | $5.4M | $6.1M | ||
| Q4 24 | $6.0M | $3.8M | ||
| Q3 24 | $5.4M | $1.5M | ||
| Q2 24 | $5.0M | $2.6M | ||
| Q1 24 | $3.4M | $6.2M |
| Q4 25 | — | 28.7% | ||
| Q3 25 | — | 24.2% | ||
| Q2 25 | — | 26.5% | ||
| Q1 25 | — | 29.7% | ||
| Q4 24 | — | 27.6% | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 30.3% |
| Q4 25 | 22.6% | 13.2% | ||
| Q3 25 | 24.5% | -1.2% | ||
| Q2 25 | 26.5% | 11.6% | ||
| Q1 25 | 20.0% | 17.0% | ||
| Q4 24 | 22.6% | 14.7% | ||
| Q3 24 | 19.9% | 5.9% | ||
| Q2 24 | 20.0% | 7.8% | ||
| Q1 24 | 13.1% | 17.4% |
| Q4 25 | 18.7% | 14.6% | ||
| Q3 25 | 19.6% | 10.2% | ||
| Q2 25 | 21.2% | 14.2% | ||
| Q1 25 | 16.5% | 16.0% | ||
| Q4 24 | 18.8% | 12.1% | ||
| Q3 24 | 16.1% | 6.9% | ||
| Q2 24 | 16.1% | 10.0% | ||
| Q1 24 | 11.1% | 15.3% |
| Q4 25 | $2.08 | $0.23 | ||
| Q3 25 | $2.18 | $0.13 | ||
| Q2 25 | $2.37 | $0.26 | ||
| Q1 25 | $1.66 | $0.42 | ||
| Q4 24 | $1.85 | $0.26 | ||
| Q3 24 | $1.65 | $0.10 | ||
| Q2 24 | $1.50 | $0.17 | ||
| Q1 24 | $1.01 | $0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $147.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $215.2M |
| Total Assets | $2.8B | $228.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $147.7M | ||
| Q3 25 | — | $136.3M | ||
| Q2 25 | — | $136.0M | ||
| Q1 25 | — | $143.7M | ||
| Q4 24 | — | $130.1M | ||
| Q3 24 | — | $115.4M | ||
| Q2 24 | — | $116.6M | ||
| Q1 24 | — | $117.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $215.2M | ||
| Q3 25 | $253.3M | $211.8M | ||
| Q2 25 | $240.3M | $209.9M | ||
| Q1 25 | $234.6M | $206.1M | ||
| Q4 24 | $226.4M | $200.0M | ||
| Q3 24 | $227.3M | $196.1M | ||
| Q2 24 | $218.5M | $194.7M | ||
| Q1 24 | $216.3M | $192.1M |
| Q4 25 | $2.8B | $228.9M | ||
| Q3 25 | $2.7B | $222.6M | ||
| Q2 25 | $2.7B | $220.2M | ||
| Q1 25 | $2.6B | $223.9M | ||
| Q4 24 | $2.6B | $218.2M | ||
| Q3 24 | $2.6B | $208.1M | ||
| Q2 24 | $2.5B | $201.8M | ||
| Q1 24 | $2.5B | $206.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.00× | ||
| 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 | $11.1M |
| Free Cash FlowOCF − Capex | $22.2M | $10.1M |
| FCF MarginFCF / Revenue | 61.8% | 43.0% |
| Capex IntensityCapex / Revenue | 6.5% | 4.1% |
| Cash ConversionOCF / Net Profit | 3.65× | 3.23× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-3.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $11.1M | ||
| Q3 25 | $23.4M | $-275.0K | ||
| Q2 25 | $-4.4M | $-23.9M | ||
| Q1 25 | $3.2M | $12.4M | ||
| Q4 24 | $36.8M | $14.8M | ||
| Q3 24 | $404.0K | $-3.2M | ||
| Q2 24 | $1.7M | $-1.0M | ||
| Q1 24 | $895.0K | $11.7M |
| Q4 25 | $22.2M | $10.1M | ||
| Q3 25 | $22.7M | $-1.3M | ||
| Q2 25 | $-5.0M | $-24.4M | ||
| Q1 25 | $2.9M | $12.3M | ||
| Q4 24 | $33.3M | $14.5M | ||
| Q3 24 | $-1.6M | $-3.3M | ||
| Q2 24 | $1.2M | $-1.4M | ||
| Q1 24 | $410.0K | $11.7M |
| Q4 25 | 61.8% | 43.0% | ||
| Q3 25 | 63.0% | -6.8% | ||
| Q2 25 | -13.6% | -90.4% | ||
| Q1 25 | 9.0% | 32.2% | ||
| Q4 24 | 103.8% | 46.1% | ||
| Q3 24 | -4.9% | -15.8% | ||
| Q2 24 | 3.7% | -5.6% | ||
| Q1 24 | 1.3% | 28.7% |
| Q4 25 | 6.5% | 4.1% | ||
| Q3 25 | 2.1% | 5.4% | ||
| Q2 25 | 1.6% | 1.8% | ||
| Q1 25 | 0.8% | 0.4% | ||
| Q4 24 | 10.9% | 1.0% | ||
| Q3 24 | 6.1% | 0.4% | ||
| Q2 24 | 1.7% | 1.5% | ||
| Q1 24 | 1.6% | 0.0% |
| Q4 25 | 3.65× | 3.23× | ||
| Q3 25 | 3.31× | -0.14× | ||
| Q2 25 | -0.57× | -6.24× | ||
| Q1 25 | 0.60× | 2.04× | ||
| Q4 24 | 6.09× | 3.88× | ||
| Q3 24 | 0.07× | -2.22× | ||
| Q2 24 | 0.34× | -0.41× | ||
| Q1 24 | 0.26× | 1.87× |
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% |
GENC
Segment breakdown not available.
