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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and HARTE HANKS INC (HHS). Click either name above to swap in a different company.
HARTE HANKS INC is the larger business by last-quarter revenue ($39.9M vs $35.9M, roughly 1.1× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 5.5%, a 13.1% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -15.4%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-686.0K). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -6.4%).
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.
Harte Hanks is a global marketing services company headquartered in Boston, Massachusetts. Harte Hanks services include analytics, strategy, marketing technology, creative services, digital marketing, customer care, direct mail, logistics, and fulfillment.
CFFI vs HHS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $39.9M |
| Net Profit | $6.7M | $2.2M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | -0.3% |
| Net Margin | 18.7% | 5.5% |
| Revenue YoY | 12.0% | -15.4% |
| Net Profit YoY | 11.0% | — |
| EPS (diluted) | $2.08 | $0.30 |
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 | $39.9M | ||
| Q3 25 | $36.0M | $39.5M | ||
| Q2 25 | $36.4M | $38.6M | ||
| Q1 25 | $32.6M | $41.6M | ||
| Q4 24 | $32.0M | $47.1M | ||
| Q3 24 | $33.5M | $47.6M | ||
| Q2 24 | $31.2M | $45.0M | ||
| Q1 24 | $30.6M | $45.4M |
| Q4 25 | $6.7M | $2.2M | ||
| Q3 25 | $7.1M | $-2.3M | ||
| Q2 25 | $7.7M | $-335.0K | ||
| Q1 25 | $5.4M | $-392.0K | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $142.0K | ||
| Q2 24 | $5.0M | $-27.8M | ||
| Q1 24 | $3.4M | $-171.0K |
| Q4 25 | 22.6% | -0.3% | ||
| Q3 25 | 24.5% | 1.3% | ||
| Q2 25 | 26.5% | 0.1% | ||
| Q1 25 | 20.0% | -0.1% | ||
| Q4 24 | 22.6% | -3.3% | ||
| Q3 24 | 19.9% | 4.0% | ||
| Q2 24 | 20.0% | 3.0% | ||
| Q1 24 | 13.1% | 0.8% |
| Q4 25 | 18.7% | 5.5% | ||
| Q3 25 | 19.6% | -5.8% | ||
| Q2 25 | 21.2% | -0.9% | ||
| Q1 25 | 16.5% | -0.9% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | 0.3% | ||
| Q2 24 | 16.1% | -61.8% | ||
| Q1 24 | 11.1% | -0.4% |
| Q4 25 | $2.08 | $0.30 | ||
| Q3 25 | $2.18 | $-0.31 | ||
| Q2 25 | $2.37 | $-0.05 | ||
| Q1 25 | $1.66 | $-0.05 | ||
| Q4 24 | $1.85 | $-0.31 | ||
| Q3 24 | $1.65 | $0.02 | ||
| Q2 24 | $1.50 | $-3.84 | ||
| Q1 24 | $1.01 | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $20.5M |
| Total Assets | $2.8B | $91.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.6M | ||
| Q3 25 | — | $6.5M | ||
| Q2 25 | — | $4.8M | ||
| Q1 25 | — | $9.0M | ||
| Q4 24 | — | $9.8M | ||
| Q3 24 | — | $5.9M | ||
| Q2 24 | — | $11.0M | ||
| Q1 24 | — | $11.5M |
| Q4 25 | $261.8M | $20.5M | ||
| Q3 25 | $253.3M | $19.9M | ||
| Q2 25 | $240.3M | $22.2M | ||
| Q1 25 | $234.6M | $21.4M | ||
| Q4 24 | $226.4M | $21.7M | ||
| Q3 24 | $227.3M | $21.0M | ||
| Q2 24 | $218.5M | $20.6M | ||
| Q1 24 | $216.3M | $20.0M |
| Q4 25 | $2.8B | $91.8M | ||
| Q3 25 | $2.7B | $92.7M | ||
| Q2 25 | $2.7B | $95.0M | ||
| Q1 25 | $2.6B | $100.6M | ||
| Q4 24 | $2.6B | $101.8M | ||
| Q3 24 | $2.6B | $108.1M | ||
| Q2 24 | $2.5B | $109.7M | ||
| Q1 24 | $2.5B | $113.4M |
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 | $737.0K |
| Free Cash FlowOCF − Capex | $22.2M | $-686.0K |
| FCF MarginFCF / Revenue | 61.8% | -1.7% |
| Capex IntensityCapex / Revenue | 6.5% | 3.6% |
| Cash ConversionOCF / Net Profit | 3.65× | 0.33× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-4.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $737.0K | ||
| Q3 25 | $23.4M | $3.2M | ||
| Q2 25 | $-4.4M | $-4.8M | ||
| Q1 25 | $3.2M | $-818.0K | ||
| Q4 24 | $36.8M | $4.0M | ||
| Q3 24 | $404.0K | $-2.9M | ||
| Q2 24 | $1.7M | $1.6M | ||
| Q1 24 | $895.0K | $-5.7M |
| Q4 25 | $22.2M | $-686.0K | ||
| Q3 25 | $22.7M | $2.2M | ||
| Q2 25 | $-5.0M | $-5.1M | ||
| Q1 25 | $2.9M | $-923.0K | ||
| Q4 24 | $33.3M | $3.4M | ||
| Q3 24 | $-1.6M | $-4.9M | ||
| Q2 24 | $1.2M | $926.0K | ||
| Q1 24 | $410.0K | $-6.2M |
| Q4 25 | 61.8% | -1.7% | ||
| Q3 25 | 63.0% | 5.5% | ||
| Q2 25 | -13.6% | -13.1% | ||
| Q1 25 | 9.0% | -2.2% | ||
| Q4 24 | 103.8% | 7.3% | ||
| Q3 24 | -4.9% | -10.2% | ||
| Q2 24 | 3.7% | 2.1% | ||
| Q1 24 | 1.3% | -13.7% |
| Q4 25 | 6.5% | 3.6% | ||
| Q3 25 | 2.1% | 2.5% | ||
| Q2 25 | 1.6% | 0.6% | ||
| Q1 25 | 0.8% | 0.3% | ||
| Q4 24 | 10.9% | 1.3% | ||
| Q3 24 | 6.1% | 4.0% | ||
| Q2 24 | 1.7% | 1.5% | ||
| Q1 24 | 1.6% | 1.2% |
| Q4 25 | 3.65× | 0.33× | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | -20.76× | ||
| 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% |
HHS
| Fulfillment And Logistics Services | $17.3M | 43% |
| Customer Care | $13.7M | 34% |
| Other | $8.9M | 22% |
