vs
Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and GERON CORP (GERN). Click either name above to swap in a different company.
GERON CORP is the larger business by last-quarter revenue ($47.2M vs $35.9M, roughly 1.3× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -39.0%, a 57.7% gap on every dollar of revenue. On growth, GERON CORP posted the faster year-over-year revenue change (67.1% vs 12.0%). Over the past eight quarters, GERON CORP's revenue compounded faster (1597.0% 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.
Geron Corporation is a biotechnology company located in Foster City, California which specializes in developing and commercializing therapeutic products for cancer that inhibit telomerase.
CFFI vs GERN — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $47.2M |
| Net Profit | $6.7M | $-18.4M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | -29.4% |
| Net Margin | 18.7% | -39.0% |
| Revenue YoY | 12.0% | 67.1% |
| Net Profit YoY | 11.0% | 30.3% |
| EPS (diluted) | $2.08 | $-0.03 |
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 | — | ||
| Q3 25 | $36.0M | $47.2M | ||
| Q2 25 | $36.4M | $49.0M | ||
| Q1 25 | $32.6M | $39.6M | ||
| Q4 24 | $32.0M | — | ||
| Q3 24 | $33.5M | $28.3M | ||
| Q2 24 | $31.2M | $882.0K | ||
| Q1 24 | $30.6M | $304.0K |
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $-18.4M | ||
| Q2 25 | $7.7M | $-16.4M | ||
| Q1 25 | $5.4M | $-19.8M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $-26.4M | ||
| Q2 24 | $5.0M | $-67.4M | ||
| Q1 24 | $3.4M | $-55.4M |
| Q4 25 | 22.6% | — | ||
| Q3 25 | 24.5% | -29.4% | ||
| Q2 25 | 26.5% | -25.4% | ||
| Q1 25 | 20.0% | -42.2% | ||
| Q4 24 | 22.6% | — | ||
| Q3 24 | 19.9% | -99.8% | ||
| Q2 24 | 20.0% | -7860.9% | ||
| Q1 24 | 13.1% | -18465.1% |
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | -39.0% | ||
| Q2 25 | 21.2% | -33.4% | ||
| Q1 25 | 16.5% | -50.1% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | -93.5% | ||
| Q2 24 | 16.1% | -7639.8% | ||
| Q1 24 | 11.1% | -18220.4% |
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | $-0.03 | ||
| Q2 25 | $2.37 | $-0.02 | ||
| Q1 25 | $1.66 | $-0.03 | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.65 | $-0.04 | ||
| Q2 24 | $1.50 | $-0.10 | ||
| Q1 24 | $1.01 | $-0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $78.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $248.7M |
| Total Assets | $2.8B | $567.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $78.1M | ||
| Q2 25 | — | $77.7M | ||
| Q1 25 | — | $83.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $60.3M | ||
| Q2 24 | — | $116.9M | ||
| Q1 24 | — | $189.8M |
| Q4 25 | $261.8M | — | ||
| Q3 25 | $253.3M | $248.7M | ||
| Q2 25 | $240.3M | $259.5M | ||
| Q1 25 | $234.6M | $268.2M | ||
| Q4 24 | $226.4M | — | ||
| Q3 24 | $227.3M | $292.3M | ||
| Q2 24 | $218.5M | $306.7M | ||
| Q1 24 | $216.3M | $344.9M |
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.7B | $567.4M | ||
| Q2 25 | $2.7B | $555.2M | ||
| Q1 25 | $2.6B | $562.5M | ||
| Q4 24 | $2.6B | — | ||
| Q3 24 | $2.6B | $444.9M | ||
| Q2 24 | $2.5B | $449.4M | ||
| Q1 24 | $2.5B | $482.1M |
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 | $-13.6M |
| Free Cash FlowOCF − Capex | $22.2M | — |
| FCF MarginFCF / Revenue | 61.8% | — |
| Capex IntensityCapex / Revenue | 6.5% | — |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | $-13.6M | ||
| Q2 25 | $-4.4M | $-27.4M | ||
| Q1 25 | $3.2M | $-48.0M | ||
| Q4 24 | $36.8M | — | ||
| Q3 24 | $404.0K | $-58.9M | ||
| Q2 24 | $1.7M | $-53.5M | ||
| Q1 24 | $895.0K | $-62.3M |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | — | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | — | ||
| Q2 24 | $1.2M | $-53.7M | ||
| Q1 24 | $410.0K | $-62.9M |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | — | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | — | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | — | ||
| Q2 24 | 3.7% | -6086.6% | ||
| Q1 24 | 1.3% | -20680.3% |
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.1% | 0.0% | ||
| Q2 24 | 1.7% | 23.4% | ||
| Q1 24 | 1.6% | 202.3% |
| 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× | — | ||
| 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% |
GERN
Segment breakdown not available.
