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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and ORASURE TECHNOLOGIES INC (OSUR). 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 $26.8M, roughly 1.3× ORASURE TECHNOLOGIES INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -72.1%, a 90.7% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -28.5%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-9.9M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -29.7%).
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.
OraSure Technologies, Inc. is a Bethlehem, Pennsylvania–based company in the medical device industry. Their products include diagnostic testing kits. The company had recently developed OraQuick testing kit, the first over-the-counter home HIV test.
CFFI vs OSUR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $26.8M |
| Net Profit | $6.7M | $-19.3M |
| Gross Margin | — | 41.0% |
| Operating Margin | 22.6% | -75.1% |
| Net Margin | 18.7% | -72.1% |
| Revenue YoY | 12.0% | -28.5% |
| Net Profit YoY | 11.0% | -78.7% |
| EPS (diluted) | $2.08 | $-0.28 |
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 | $26.8M | ||
| Q3 25 | $36.0M | $27.1M | ||
| Q2 25 | $36.4M | $31.2M | ||
| Q1 25 | $32.6M | $29.9M | ||
| Q4 24 | $32.0M | $37.4M | ||
| Q3 24 | $33.5M | $39.9M | ||
| Q2 24 | $31.2M | $54.3M | ||
| Q1 24 | $30.6M | $54.1M |
| Q4 25 | $6.7M | $-19.3M | ||
| Q3 25 | $7.1M | $-13.7M | ||
| Q2 25 | $7.7M | $-19.7M | ||
| Q1 25 | $5.4M | $-16.0M | ||
| Q4 24 | $6.0M | $-10.8M | ||
| Q3 24 | $5.4M | $-4.5M | ||
| Q2 24 | $5.0M | $-615.0K | ||
| Q1 24 | $3.4M | $-3.6M |
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 43.5% | ||
| Q2 25 | — | 42.1% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 36.2% | ||
| Q3 24 | — | 42.8% | ||
| Q2 24 | — | 45.4% | ||
| Q1 24 | — | 44.5% |
| Q4 25 | 22.6% | -75.1% | ||
| Q3 25 | 24.5% | -59.4% | ||
| Q2 25 | 26.5% | -57.7% | ||
| Q1 25 | 20.0% | -59.3% | ||
| Q4 24 | 22.6% | -33.2% | ||
| Q3 24 | 19.9% | -15.0% | ||
| Q2 24 | 20.0% | -5.0% | ||
| Q1 24 | 13.1% | -13.1% |
| Q4 25 | 18.7% | -72.1% | ||
| Q3 25 | 19.6% | -50.6% | ||
| Q2 25 | 21.2% | -63.0% | ||
| Q1 25 | 16.5% | -53.6% | ||
| Q4 24 | 18.8% | -28.8% | ||
| Q3 24 | 16.1% | -11.3% | ||
| Q2 24 | 16.1% | -1.1% | ||
| Q1 24 | 11.1% | -6.6% |
| Q4 25 | $2.08 | $-0.28 | ||
| Q3 25 | $2.18 | $-0.19 | ||
| Q2 25 | $2.37 | $-0.26 | ||
| Q1 25 | $1.66 | $-0.21 | ||
| Q4 24 | $1.85 | $-0.14 | ||
| Q3 24 | $1.65 | $-0.06 | ||
| Q2 24 | $1.50 | $-0.01 | ||
| Q1 24 | $1.01 | $-0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $199.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $340.8M |
| Total Assets | $2.8B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $199.3M | ||
| Q3 25 | — | $216.5M | ||
| Q2 25 | — | $234.6M | ||
| Q1 25 | — | $247.6M | ||
| Q4 24 | — | $267.8M | ||
| Q3 24 | — | $278.6M | ||
| Q2 24 | — | $267.4M | ||
| Q1 24 | — | $263.8M |
| Q4 25 | $261.8M | $340.8M | ||
| Q3 25 | $253.3M | $362.0M | ||
| Q2 25 | $240.3M | $380.7M | ||
| Q1 25 | $234.6M | $396.3M | ||
| Q4 24 | $226.4M | $410.3M | ||
| Q3 24 | $227.3M | $425.6M | ||
| Q2 24 | $218.5M | $425.8M | ||
| Q1 24 | $216.3M | $426.3M |
| Q4 25 | $2.8B | $403.2M | ||
| Q3 25 | $2.7B | $423.1M | ||
| Q2 25 | $2.7B | $445.0M | ||
| Q1 25 | $2.6B | $457.6M | ||
| Q4 24 | $2.6B | $479.7M | ||
| Q3 24 | $2.6B | $464.1M | ||
| Q2 24 | $2.5B | $466.3M | ||
| Q1 24 | $2.5B | $467.6M |
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 | $-9.0M |
| Free Cash FlowOCF − Capex | $22.2M | $-9.9M |
| FCF MarginFCF / Revenue | 61.8% | -37.1% |
| Capex IntensityCapex / Revenue | 6.5% | 3.4% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-53.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-9.0M | ||
| Q3 25 | $23.4M | $-10.1M | ||
| Q2 25 | $-4.4M | $-10.2M | ||
| Q1 25 | $3.2M | $-19.7M | ||
| Q4 24 | $36.8M | $109.0K | ||
| Q3 24 | $404.0K | $12.7M | ||
| Q2 24 | $1.7M | $7.8M | ||
| Q1 24 | $895.0K | $6.7M |
| Q4 25 | $22.2M | $-9.9M | ||
| Q3 25 | $22.7M | $-11.0M | ||
| Q2 25 | $-5.0M | $-12.2M | ||
| Q1 25 | $2.9M | $-20.2M | ||
| Q4 24 | $33.3M | $-347.0K | ||
| Q3 24 | $-1.6M | $12.5M | ||
| Q2 24 | $1.2M | $6.2M | ||
| Q1 24 | $410.0K | $5.2M |
| Q4 25 | 61.8% | -37.1% | ||
| Q3 25 | 63.0% | -40.6% | ||
| Q2 25 | -13.6% | -38.9% | ||
| Q1 25 | 9.0% | -67.3% | ||
| Q4 24 | 103.8% | -0.9% | ||
| Q3 24 | -4.9% | 31.4% | ||
| Q2 24 | 3.7% | 11.5% | ||
| Q1 24 | 1.3% | 9.5% |
| Q4 25 | 6.5% | 3.4% | ||
| Q3 25 | 2.1% | 3.4% | ||
| Q2 25 | 1.6% | 6.2% | ||
| Q1 25 | 0.8% | 1.4% | ||
| Q4 24 | 10.9% | 1.2% | ||
| Q3 24 | 6.1% | 0.4% | ||
| Q2 24 | 1.7% | 3.0% | ||
| Q1 24 | 1.6% | 2.9% |
| 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% |
OSUR
| Product And Services | $24.9M | 93% |
| Other | $1.9M | 7% |
