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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and MARINE PRODUCTS CORP (MPX). Click either name above to swap in a different company.
MARINE PRODUCTS CORP is the larger business by last-quarter revenue ($64.6M vs $35.9M, roughly 1.8× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 3.7%, a 15.0% gap on every dollar of revenue. On growth, MARINE PRODUCTS CORP posted the faster year-over-year revenue change (35.0% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $4.1M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -3.5%).
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.
West Marine is an American company based in Fort Lauderdale, Florida, which operates a chain of boating supply and fishing retail stores. The company has 247 retail stores in North America. West Marine also runs Blue Future a non profit organization. West Marine's flagship store is in Fort Lauderdale. Opened on November 11, 2011, the store is the company's largest at over 50,000 square feet.
CFFI vs MPX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $64.6M |
| Net Profit | $6.7M | $2.4M |
| Gross Margin | — | 19.6% |
| Operating Margin | 22.6% | 5.8% |
| Net Margin | 18.7% | 3.7% |
| Revenue YoY | 12.0% | 35.0% |
| Net Profit YoY | 11.0% | -44.6% |
| EPS (diluted) | $2.08 | $0.07 |
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 | $64.6M | ||
| Q3 25 | $36.0M | $53.1M | ||
| Q2 25 | $36.4M | $67.7M | ||
| Q1 25 | $32.6M | $59.0M | ||
| Q4 24 | $32.0M | $47.8M | ||
| Q3 24 | $33.5M | $49.9M | ||
| Q2 24 | $31.2M | $69.5M | ||
| Q1 24 | $30.6M | $69.3M |
| Q4 25 | $6.7M | $2.4M | ||
| Q3 25 | $7.1M | $2.6M | ||
| Q2 25 | $7.7M | $4.2M | ||
| Q1 25 | $5.4M | $2.2M | ||
| Q4 24 | $6.0M | $4.3M | ||
| Q3 24 | $5.4M | $3.4M | ||
| Q2 24 | $5.0M | $5.6M | ||
| Q1 24 | $3.4M | $4.6M |
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | 19.2% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 18.4% | ||
| Q2 24 | — | 18.9% | ||
| Q1 24 | — | 20.2% |
| Q4 25 | 22.6% | 5.8% | ||
| Q3 25 | 24.5% | 5.4% | ||
| Q2 25 | 26.5% | 7.1% | ||
| Q1 25 | 20.0% | 4.4% | ||
| Q4 24 | 22.6% | 7.7% | ||
| Q3 24 | 19.9% | 7.2% | ||
| Q2 24 | 20.0% | 8.3% | ||
| Q1 24 | 13.1% | 7.6% |
| Q4 25 | 18.7% | 3.7% | ||
| Q3 25 | 19.6% | 5.0% | ||
| Q2 25 | 21.2% | 6.1% | ||
| Q1 25 | 16.5% | 3.7% | ||
| Q4 24 | 18.8% | 8.9% | ||
| Q3 24 | 16.1% | 6.8% | ||
| Q2 24 | 16.1% | 8.0% | ||
| Q1 24 | 11.1% | 6.6% |
| Q4 25 | $2.08 | $0.07 | ||
| Q3 25 | $2.18 | $0.07 | ||
| Q2 25 | $2.37 | $0.12 | ||
| Q1 25 | $1.66 | $0.06 | ||
| Q4 24 | $1.85 | $0.13 | ||
| Q3 24 | $1.65 | $0.10 | ||
| Q2 24 | $1.50 | $0.14 | ||
| Q1 24 | $1.01 | $0.13 |
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 | — | — |
| Stockholders' EquityBook value | $261.8M | $125.0M |
| Total Assets | $2.8B | $147.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $261.8M | $125.0M | ||
| Q3 25 | $253.3M | $126.3M | ||
| Q2 25 | $240.3M | $127.2M | ||
| Q1 25 | $234.6M | $126.4M | ||
| Q4 24 | $226.4M | $129.0M | ||
| Q3 24 | $227.3M | $128.8M | ||
| Q2 24 | $218.5M | $129.3M | ||
| Q1 24 | $216.3M | $151.4M |
| Q4 25 | $2.8B | $147.2M | ||
| Q3 25 | $2.7B | $179.5M | ||
| Q2 25 | $2.7B | $173.2M | ||
| Q1 25 | $2.6B | $182.9M | ||
| Q4 24 | $2.6B | $171.2M | ||
| Q3 24 | $2.6B | $176.3M | ||
| Q2 24 | $2.5B | $175.7M | ||
| Q1 24 | $2.5B | $204.0M |
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 | $4.7M |
| Free Cash FlowOCF − Capex | $22.2M | $4.1M |
| FCF MarginFCF / Revenue | 61.8% | 6.4% |
| Capex IntensityCapex / Revenue | 6.5% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.65× | 2.00× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $4.7M | ||
| Q3 25 | $23.4M | $2.6M | ||
| Q2 25 | $-4.4M | $-1.6M | ||
| Q1 25 | $3.2M | $10.8M | ||
| Q4 24 | $36.8M | $4.6M | ||
| Q3 24 | $404.0K | $5.1M | ||
| Q2 24 | $1.7M | $3.8M | ||
| Q1 24 | $895.0K | $15.9M |
| Q4 25 | $22.2M | $4.1M | ||
| Q3 25 | $22.7M | $2.1M | ||
| Q2 25 | $-5.0M | $-2.0M | ||
| Q1 25 | $2.9M | $10.7M | ||
| Q4 24 | $33.3M | $3.6M | ||
| Q3 24 | $-1.6M | $3.2M | ||
| Q2 24 | $1.2M | $3.0M | ||
| Q1 24 | $410.0K | $15.0M |
| Q4 25 | 61.8% | 6.4% | ||
| Q3 25 | 63.0% | 4.0% | ||
| Q2 25 | -13.6% | -3.0% | ||
| Q1 25 | 9.0% | 18.1% | ||
| Q4 24 | 103.8% | 7.6% | ||
| Q3 24 | -4.9% | 6.5% | ||
| Q2 24 | 3.7% | 4.4% | ||
| Q1 24 | 1.3% | 21.7% |
| Q4 25 | 6.5% | 0.9% | ||
| Q3 25 | 2.1% | 0.8% | ||
| Q2 25 | 1.6% | 0.6% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 10.9% | 2.1% | ||
| Q3 24 | 6.1% | 3.8% | ||
| Q2 24 | 1.7% | 1.1% | ||
| Q1 24 | 1.6% | 1.3% |
| Q4 25 | 3.65× | 2.00× | ||
| Q3 25 | 3.31× | 0.97× | ||
| Q2 25 | -0.57× | -0.39× | ||
| Q1 25 | 0.60× | 4.88× | ||
| Q4 24 | 6.09× | 1.09× | ||
| Q3 24 | 0.07× | 1.51× | ||
| Q2 24 | 0.34× | 0.68× | ||
| Q1 24 | 0.26× | 3.46× |
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% |
MPX
| Boats And Accessories | $63.4M | 98% |
| Parts | $1.1M | 2% |
