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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and i-80 Gold Corp. (IAUX). 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 $21.3M, roughly 1.7× i-80 Gold Corp.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -401.9%, a 420.6% gap on every dollar of revenue. C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-39.2M).
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.
i-80 Gold Corp is a mineral exploration and development firm focused on gold and silver asset operations in Nevada, US. It advances high-potential mining projects, using responsible extraction practices to deliver precious metals to global industrial and investment markets.
CFFI vs IAUX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $21.3M |
| Net Profit | $6.7M | $-85.6M |
| Gross Margin | — | 22.0% |
| Operating Margin | 22.6% | -291.6% |
| Net Margin | 18.7% | -401.9% |
| Revenue YoY | 12.0% | — |
| Net Profit YoY | 11.0% | — |
| EPS (diluted) | $2.08 | $-0.10 |
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 | $21.3M | ||
| Q3 25 | $36.0M | $32.0M | ||
| Q2 25 | $36.4M | $27.8M | ||
| Q1 25 | $32.6M | $14.0M | ||
| Q4 24 | $32.0M | — | ||
| Q3 24 | $33.5M | $11.5M | ||
| Q2 24 | $31.2M | $7.2M | ||
| Q1 24 | $30.6M | — |
| Q4 25 | $6.7M | $-85.6M | ||
| Q3 25 | $7.1M | $-41.9M | ||
| Q2 25 | $7.7M | $-30.2M | ||
| Q1 25 | $5.4M | $-41.2M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $-43.1M | ||
| Q2 24 | $5.0M | $-41.0M | ||
| Q1 24 | $3.4M | — |
| Q4 25 | — | 22.0% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 20.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -42.7% | ||
| Q2 24 | — | -171.4% | ||
| Q1 24 | — | — |
| Q4 25 | 22.6% | -291.6% | ||
| Q3 25 | 24.5% | -86.7% | ||
| Q2 25 | 26.5% | -67.4% | ||
| Q1 25 | 20.0% | -112.3% | ||
| Q4 24 | 22.6% | — | ||
| Q3 24 | 19.9% | -210.0% | ||
| Q2 24 | 20.0% | -435.2% | ||
| Q1 24 | 13.1% | — |
| Q4 25 | 18.7% | -401.9% | ||
| Q3 25 | 19.6% | -130.8% | ||
| Q2 25 | 21.2% | -108.5% | ||
| Q1 25 | 16.5% | -293.3% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | -374.5% | ||
| Q2 24 | 16.1% | -570.8% | ||
| Q1 24 | 11.1% | — |
| Q4 25 | $2.08 | $-0.10 | ||
| Q3 25 | $2.18 | $-0.05 | ||
| Q2 25 | $2.37 | $-0.05 | ||
| Q1 25 | $1.66 | $-0.10 | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.65 | $-0.11 | ||
| Q2 24 | $1.50 | $-0.11 | ||
| Q1 24 | $1.01 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $63.2M |
| Total DebtLower is stronger | — | $174.7M |
| Stockholders' EquityBook value | $261.8M | $346.8M |
| Total Assets | $2.8B | $703.4M |
| Debt / EquityLower = less leverage | — | 0.50× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $63.2M | ||
| Q3 25 | — | $102.9M | ||
| Q2 25 | — | $133.7M | ||
| Q1 25 | — | $13.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $21.8M | ||
| Q2 24 | — | $47.8M | ||
| Q1 24 | — | — |
| Q4 25 | — | $174.7M | ||
| Q3 25 | — | $175.9M | ||
| Q2 25 | — | $175.8M | ||
| Q1 25 | — | $197.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $346.8M | ||
| Q3 25 | $253.3M | $423.0M | ||
| Q2 25 | $240.3M | $463.5M | ||
| Q1 25 | $234.6M | $318.0M | ||
| Q4 24 | $226.4M | — | ||
| Q3 24 | $227.3M | $346.9M | ||
| Q2 24 | $218.5M | $377.2M | ||
| Q1 24 | $216.3M | — |
| Q4 25 | $2.8B | $703.4M | ||
| Q3 25 | $2.7B | $756.2M | ||
| Q2 25 | $2.7B | $782.9M | ||
| Q1 25 | $2.6B | $659.0M | ||
| Q4 24 | $2.6B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.5B | — | ||
| Q1 24 | $2.5B | — |
| Q4 25 | — | 0.50× | ||
| Q3 25 | — | 0.42× | ||
| Q2 25 | — | 0.38× | ||
| Q1 25 | — | 0.62× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| 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 | $-34.3M |
| Free Cash FlowOCF − Capex | $22.2M | $-39.2M |
| FCF MarginFCF / Revenue | 61.8% | -184.3% |
| Capex IntensityCapex / Revenue | 6.5% | 23.1% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-93.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-34.3M | ||
| Q3 25 | $23.4M | $-15.2M | ||
| Q2 25 | $-4.4M | $-11.3M | ||
| Q1 25 | $3.2M | $-22.7M | ||
| Q4 24 | $36.8M | — | ||
| Q3 24 | $404.0K | $-23.5M | ||
| Q2 24 | $1.7M | $-24.6M | ||
| Q1 24 | $895.0K | — |
| Q4 25 | $22.2M | $-39.2M | ||
| Q3 25 | $22.7M | $-18.5M | ||
| Q2 25 | $-5.0M | $-12.4M | ||
| Q1 25 | $2.9M | $-23.1M | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | $-23.8M | ||
| Q2 24 | $1.2M | $-25.1M | ||
| Q1 24 | $410.0K | — |
| Q4 25 | 61.8% | -184.3% | ||
| Q3 25 | 63.0% | -57.8% | ||
| Q2 25 | -13.6% | -44.7% | ||
| Q1 25 | 9.0% | -164.1% | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | -206.7% | ||
| Q2 24 | 3.7% | -349.1% | ||
| Q1 24 | 1.3% | — |
| Q4 25 | 6.5% | 23.1% | ||
| Q3 25 | 2.1% | 10.2% | ||
| Q2 25 | 1.6% | 3.9% | ||
| Q1 25 | 0.8% | 2.5% | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.1% | 2.5% | ||
| Q2 24 | 1.7% | 7.3% | ||
| Q1 24 | 1.6% | — |
| 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% |
IAUX
| Granite Creek Mining Company | $20.3M | 95% |
| Ruby Hill Mining Company LLC | $991.0K | 5% |
| Lone Tree Minning Company | $3.0K | 0% |
