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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
READING INTERNATIONAL INC is the larger business by last-quarter revenue ($50.3M vs $35.9M, roughly 1.4× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -5.1%, a 23.8% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -14.2%). 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 5.6%).
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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
CFFI vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $50.3M |
| Net Profit | $6.7M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | -1.9% |
| Net Margin | 18.7% | -5.1% |
| Revenue YoY | 12.0% | -14.2% |
| Net Profit YoY | 11.0% | -14.5% |
| 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 | $50.3M | ||
| Q3 25 | $36.0M | $52.2M | ||
| Q2 25 | $36.4M | $60.4M | ||
| Q1 25 | $32.6M | $40.2M | ||
| Q4 24 | $32.0M | $58.6M | ||
| Q3 24 | $33.5M | $60.1M | ||
| Q2 24 | $31.2M | $46.8M | ||
| Q1 24 | $30.6M | $45.1M |
| Q4 25 | $6.7M | $-2.6M | ||
| Q3 25 | $7.1M | $-4.2M | ||
| Q2 25 | $7.7M | $-2.7M | ||
| Q1 25 | $5.4M | $-4.8M | ||
| Q4 24 | $6.0M | $-2.2M | ||
| Q3 24 | $5.4M | $-7.0M | ||
| Q2 24 | $5.0M | $-12.8M | ||
| Q1 24 | $3.4M | $-13.2M |
| Q4 25 | 22.6% | -1.9% | ||
| Q3 25 | 24.5% | -0.6% | ||
| Q2 25 | 26.5% | 4.8% | ||
| Q1 25 | 20.0% | -17.2% | ||
| Q4 24 | 22.6% | 2.6% | ||
| Q3 24 | 19.9% | -0.6% | ||
| Q2 24 | 20.0% | -16.4% | ||
| Q1 24 | 13.1% | -16.7% |
| Q4 25 | 18.7% | -5.1% | ||
| Q3 25 | 19.6% | -8.0% | ||
| Q2 25 | 21.2% | -4.4% | ||
| Q1 25 | 16.5% | -11.8% | ||
| Q4 24 | 18.8% | -3.8% | ||
| Q3 24 | 16.1% | -11.7% | ||
| Q2 24 | 16.1% | -27.4% | ||
| Q1 24 | 11.1% | -29.4% |
| Q4 25 | $2.08 | $-0.11 | ||
| Q3 25 | $2.18 | $-0.18 | ||
| Q2 25 | $2.37 | $-0.12 | ||
| Q1 25 | $1.66 | $-0.21 | ||
| Q4 24 | $1.85 | $-0.11 | ||
| Q3 24 | $1.65 | $-0.31 | ||
| Q2 24 | $1.50 | $-0.57 | ||
| Q1 24 | $1.01 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $261.8M | $-18.2M |
| Total Assets | $2.8B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $-18.2M | ||
| Q3 25 | $253.3M | $-12.1M | ||
| Q2 25 | $240.3M | $-7.7M | ||
| Q1 25 | $234.6M | $-8.1M | ||
| Q4 24 | $226.4M | $-4.4M | ||
| Q3 24 | $227.3M | $1.6M | ||
| Q2 24 | $218.5M | $6.5M | ||
| Q1 24 | $216.3M | $18.0M |
| Q4 25 | $2.8B | $434.9M | ||
| Q3 25 | $2.7B | $435.2M | ||
| Q2 25 | $2.7B | $438.1M | ||
| Q1 25 | $2.6B | $441.0M | ||
| Q4 24 | $2.6B | $471.0M | ||
| Q3 24 | $2.6B | $495.7M | ||
| Q2 24 | $2.5B | $494.9M | ||
| Q1 24 | $2.5B | $494.9M |
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 | $4.3M |
| Free Cash FlowOCF − Capex | $22.2M | $4.1M |
| FCF MarginFCF / Revenue | 61.8% | 8.2% |
| Capex IntensityCapex / Revenue | 6.5% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $4.3M | ||
| Q3 25 | $23.4M | $295.0K | ||
| Q2 25 | $-4.4M | $1.6M | ||
| Q1 25 | $3.2M | $-7.7M | ||
| Q4 24 | $36.8M | $8.0M | ||
| Q3 24 | $404.0K | $1.3M | ||
| Q2 24 | $1.7M | $-10.4M | ||
| Q1 24 | $895.0K | $-2.8M |
| Q4 25 | $22.2M | $4.1M | ||
| Q3 25 | $22.7M | $-246.0K | ||
| Q2 25 | $-5.0M | $1.2M | ||
| Q1 25 | $2.9M | $-8.0M | ||
| Q4 24 | $33.3M | $7.0M | ||
| Q3 24 | $-1.6M | $-1.1M | ||
| Q2 24 | $1.2M | $-10.6M | ||
| Q1 24 | $410.0K | $-4.7M |
| Q4 25 | 61.8% | 8.2% | ||
| Q3 25 | 63.0% | -0.5% | ||
| Q2 25 | -13.6% | 1.9% | ||
| Q1 25 | 9.0% | -19.8% | ||
| Q4 24 | 103.8% | 12.0% | ||
| Q3 24 | -4.9% | -1.8% | ||
| Q2 24 | 3.7% | -22.7% | ||
| Q1 24 | 1.3% | -10.4% |
| Q4 25 | 6.5% | 0.3% | ||
| Q3 25 | 2.1% | 1.0% | ||
| Q2 25 | 1.6% | 0.6% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 10.9% | 1.7% | ||
| Q3 24 | 6.1% | 4.0% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 1.6% | 4.3% |
| 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% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
