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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and IRONWOOD PHARMACEUTICALS INC (IRWD). Click either name above to swap in a different company.
IRONWOOD PHARMACEUTICALS INC is the larger business by last-quarter revenue ($47.7M vs $35.9M, roughly 1.3× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -4.8%, a 23.4% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -47.3%). IRONWOOD PHARMACEUTICALS INC produced more free cash flow last quarter ($74.6M vs $22.2M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -20.2%).
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.
Ironwood Pharmaceuticals, Inc. is a publicly traded pharmaceutical company. It was originally called Microbia, Inc.
CFFI vs IRWD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $47.7M |
| Net Profit | $6.7M | $-2.3M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 14.3% |
| Net Margin | 18.7% | -4.8% |
| Revenue YoY | 12.0% | -47.3% |
| Net Profit YoY | 11.0% | -200.9% |
| EPS (diluted) | $2.08 | $0.01 |
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 | $47.7M | ||
| Q3 25 | $36.0M | $122.1M | ||
| Q2 25 | $36.4M | $85.2M | ||
| Q1 25 | $32.6M | $41.1M | ||
| Q4 24 | $32.0M | $90.5M | ||
| Q3 24 | $33.5M | $91.6M | ||
| Q2 24 | $31.2M | $94.4M | ||
| Q1 24 | $30.6M | $74.9M |
| Q4 25 | $6.7M | $-2.3M | ||
| Q3 25 | $7.1M | $40.1M | ||
| Q2 25 | $7.7M | $23.6M | ||
| Q1 25 | $5.4M | $-37.4M | ||
| Q4 24 | $6.0M | $2.3M | ||
| Q3 24 | $5.4M | $3.6M | ||
| Q2 24 | $5.0M | $-860.0K | ||
| Q1 24 | $3.4M | $-4.2M |
| Q4 25 | 22.6% | 14.3% | ||
| Q3 25 | 24.5% | 61.8% | ||
| Q2 25 | 26.5% | 53.2% | ||
| Q1 25 | 20.0% | -70.7% | ||
| Q4 24 | 22.6% | 34.8% | ||
| Q3 24 | 19.9% | 28.0% | ||
| Q2 24 | 20.0% | 26.5% | ||
| Q1 24 | 13.1% | 14.7% |
| Q4 25 | 18.7% | -4.8% | ||
| Q3 25 | 19.6% | 32.8% | ||
| Q2 25 | 21.2% | 27.7% | ||
| Q1 25 | 16.5% | -90.9% | ||
| Q4 24 | 18.8% | 2.5% | ||
| Q3 24 | 16.1% | 4.0% | ||
| Q2 24 | 16.1% | -0.9% | ||
| Q1 24 | 11.1% | -5.6% |
| Q4 25 | $2.08 | $0.01 | ||
| Q3 25 | $2.18 | $0.23 | ||
| Q2 25 | $2.37 | $0.14 | ||
| Q1 25 | $1.66 | $-0.23 | ||
| Q4 24 | $1.85 | $0.03 | ||
| Q3 24 | $1.65 | $0.02 | ||
| Q2 24 | $1.50 | $-0.01 | ||
| Q1 24 | $1.01 | $-0.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $215.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $-261.8M |
| Total Assets | $2.8B | $396.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $215.5M | ||
| Q3 25 | — | $140.4M | ||
| Q2 25 | — | $92.9M | ||
| Q1 25 | — | $108.5M | ||
| Q4 24 | — | $88.6M | ||
| Q3 24 | — | $88.2M | ||
| Q2 24 | — | $105.5M | ||
| Q1 24 | — | $121.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | $199.5M | ||
| Q2 25 | — | $199.3M | ||
| Q1 25 | — | $199.2M | ||
| Q4 24 | — | $199.0M | ||
| Q3 24 | — | $198.8M | ||
| Q2 24 | — | $198.6M | ||
| Q1 24 | — | $398.3M |
| Q4 25 | $261.8M | $-261.8M | ||
| Q3 25 | $253.3M | $-264.2M | ||
| Q2 25 | $240.3M | $-308.2M | ||
| Q1 25 | $234.6M | $-334.1M | ||
| Q4 24 | $226.4M | $-301.3M | ||
| Q3 24 | $227.3M | $-311.3M | ||
| Q2 24 | $218.5M | $-321.7M | ||
| Q1 24 | $216.3M | $-330.5M |
| Q4 25 | $2.8B | $396.9M | ||
| Q3 25 | $2.7B | $396.1M | ||
| Q2 25 | $2.7B | $342.9M | ||
| Q1 25 | $2.6B | $327.2M | ||
| Q4 24 | $2.6B | $350.9M | ||
| Q3 24 | $2.6B | $389.5M | ||
| Q2 24 | $2.5B | $395.6M | ||
| Q1 24 | $2.5B | $438.8M |
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 | $74.6M |
| Free Cash FlowOCF − Capex | $22.2M | $74.6M |
| FCF MarginFCF / Revenue | 61.8% | 156.3% |
| Capex IntensityCapex / Revenue | 6.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $127.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $74.6M | ||
| Q3 25 | $23.4M | $47.6M | ||
| Q2 25 | $-4.4M | $-15.1M | ||
| Q1 25 | $3.2M | $20.0M | ||
| Q4 24 | $36.8M | $15.2M | ||
| Q3 24 | $404.0K | $9.9M | ||
| Q2 24 | $1.7M | $33.5M | ||
| Q1 24 | $895.0K | $45.0M |
| Q4 25 | $22.2M | $74.6M | ||
| Q3 25 | $22.7M | $47.6M | ||
| Q2 25 | $-5.0M | $-15.1M | ||
| Q1 25 | $2.9M | $19.9M | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | $9.9M | ||
| Q2 24 | $1.2M | $33.4M | ||
| Q1 24 | $410.0K | $44.9M |
| Q4 25 | 61.8% | 156.3% | ||
| Q3 25 | 63.0% | 39.0% | ||
| Q2 25 | -13.6% | -17.7% | ||
| Q1 25 | 9.0% | 48.4% | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | 10.8% | ||
| Q2 24 | 3.7% | 35.4% | ||
| Q1 24 | 1.3% | 60.0% |
| Q4 25 | 6.5% | 0.0% | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 1.6% | 0.0% | ||
| Q1 25 | 0.8% | 0.1% | ||
| Q4 24 | 10.9% | 0.0% | ||
| Q3 24 | 6.1% | 0.0% | ||
| Q2 24 | 1.7% | 0.1% | ||
| Q1 24 | 1.6% | 0.1% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | 1.19× | ||
| Q2 25 | -0.57× | -0.64× | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 6.74× | ||
| Q3 24 | 0.07× | 2.71× | ||
| 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% |
IRWD
Segment breakdown not available.
