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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and IT TECH PACKAGING, INC. (ITP). 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 $25.6M, roughly 1.4× IT TECH PACKAGING, INC.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -5.7%, a 24.3% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 2.1%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $1.5M). Over the past eight quarters, IT TECH PACKAGING, INC.'s revenue compounded faster (10.5% 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.
IT TECH PACKAGING, INC. is a paper manufacturing enterprise primarily operating in China. It produces and distributes a diverse portfolio of paper products including corrugated packaging paper, boxboard, and printing-use cultural paper, serving sectors such as consumer goods packaging, logistics, and commercial printing across its core market.
CFFI vs ITP — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $25.6M |
| Net Profit | $6.7M | $-1.4M |
| Gross Margin | — | 7.9% |
| Operating Margin | 22.6% | -3.9% |
| Net Margin | 18.7% | -5.7% |
| Revenue YoY | 12.0% | 2.1% |
| Net Profit YoY | 11.0% | 26.6% |
| EPS (diluted) | $2.08 | $-0.11 |
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 | $25.6M | ||
| Q2 25 | $36.4M | $24.8M | ||
| Q1 25 | $32.6M | $10.9M | ||
| Q4 24 | $32.0M | $17.6M | ||
| Q3 24 | $33.5M | $25.1M | ||
| Q2 24 | $31.2M | $26.2M | ||
| Q1 24 | $30.6M | $6.9M |
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $-1.4M | ||
| Q2 25 | $7.7M | $-2.0M | ||
| Q1 25 | $5.4M | $-3.5M | ||
| Q4 24 | $6.0M | $-4.0M | ||
| Q3 24 | $5.4M | $-2.0M | ||
| Q2 24 | $5.0M | $-77.7K | ||
| Q1 24 | $3.4M | $-3.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 5.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 12.4% | ||
| Q1 24 | — | 5.8% |
| Q4 25 | 22.6% | — | ||
| Q3 25 | 24.5% | -3.9% | ||
| Q2 25 | 26.5% | -7.1% | ||
| Q1 25 | 20.0% | -31.0% | ||
| Q4 24 | 22.6% | -21.5% | ||
| Q3 24 | 19.9% | -5.8% | ||
| Q2 24 | 20.0% | 2.1% | ||
| Q1 24 | 13.1% | -51.0% |
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | -5.7% | ||
| Q2 25 | 21.2% | -7.9% | ||
| Q1 25 | 16.5% | -32.2% | ||
| Q4 24 | 18.8% | -22.9% | ||
| Q3 24 | 16.1% | -7.9% | ||
| Q2 24 | 16.1% | -0.3% | ||
| Q1 24 | 11.1% | -54.6% |
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | $-0.11 | ||
| Q2 25 | $2.37 | $-0.16 | ||
| Q1 25 | $1.66 | $-0.35 | ||
| Q4 24 | $1.85 | $-0.40 | ||
| Q3 24 | $1.65 | $-0.20 | ||
| Q2 24 | $1.50 | $-0.01 | ||
| Q1 24 | $1.01 | $-0.37 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $4.7M |
| Stockholders' EquityBook value | $261.8M | $152.0M |
| Total Assets | $2.8B | $175.7M |
| Debt / EquityLower = less leverage | — | 0.03× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $4.7M | ||
| Q2 25 | — | $4.7M | ||
| Q1 25 | — | $4.7M | ||
| Q4 24 | — | $4.7M | ||
| Q3 24 | — | $8.9M | ||
| Q2 24 | — | $11.3M | ||
| Q1 24 | — | $11.4M |
| Q4 25 | $261.8M | — | ||
| Q3 25 | $253.3M | $152.0M | ||
| Q2 25 | $240.3M | $152.3M | ||
| Q1 25 | $234.6M | $152.8M | ||
| Q4 24 | $226.4M | $156.1M | ||
| Q3 24 | $227.3M | $164.3M | ||
| Q2 24 | $218.5M | $163.5M | ||
| Q1 24 | $216.3M | $164.3M |
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.7B | $175.7M | ||
| Q2 25 | $2.7B | $175.2M | ||
| Q1 25 | $2.6B | $175.2M | ||
| Q4 24 | $2.6B | $177.5M | ||
| Q3 24 | $2.6B | $190.0M | ||
| Q2 24 | $2.5B | $191.4M | ||
| Q1 24 | $2.5B | $177.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.05× | ||
| Q2 24 | — | 0.07× | ||
| Q1 24 | — | 0.07× |
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 | $1.5M |
| Free Cash FlowOCF − Capex | $22.2M | $1.5M |
| FCF MarginFCF / Revenue | 61.8% | 5.9% |
| Capex IntensityCapex / Revenue | 6.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $3.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | $1.5M | ||
| Q2 25 | $-4.4M | $1.4M | ||
| Q1 25 | $3.2M | $-2.5M | ||
| Q4 24 | $36.8M | $3.5M | ||
| Q3 24 | $404.0K | $1.5M | ||
| Q2 24 | $1.7M | $721.9K | ||
| Q1 24 | $895.0K | $624.4K |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | $1.5M | ||
| Q2 25 | $-5.0M | $1.3M | ||
| Q1 25 | $2.9M | $-2.5M | ||
| Q4 24 | $33.3M | $3.5M | ||
| Q3 24 | $-1.6M | $1.2M | ||
| Q2 24 | $1.2M | $668.3K | ||
| Q1 24 | $410.0K | $615.4K |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | 5.9% | ||
| Q2 25 | -13.6% | 5.4% | ||
| Q1 25 | 9.0% | -22.8% | ||
| Q4 24 | 103.8% | 19.6% | ||
| Q3 24 | -4.9% | 4.9% | ||
| Q2 24 | 3.7% | 2.5% | ||
| Q1 24 | 1.3% | 9.0% |
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 1.6% | 0.1% | ||
| Q1 25 | 0.8% | 0.1% | ||
| Q4 24 | 10.9% | 0.1% | ||
| Q3 24 | 6.1% | 1.0% | ||
| Q2 24 | 1.7% | 0.2% | ||
| Q1 24 | 1.6% | 0.1% |
| 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% |
ITP
Segment breakdown not available.
