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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and R F INDUSTRIES LTD (RFIL). 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 $22.7M, roughly 1.6× R F INDUSTRIES LTD). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 0.8%, a 17.9% gap on every dollar of revenue. On growth, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% 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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
CFFI vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $22.7M |
| Net Profit | $6.7M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 22.6% | 4.0% |
| Net Margin | 18.7% | 0.8% |
| Revenue YoY | 12.0% | 22.9% |
| Net Profit YoY | 11.0% | 172.7% |
| 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 | $22.7M | ||
| Q3 25 | $36.0M | $19.8M | ||
| Q2 25 | $36.4M | $18.9M | ||
| Q1 25 | $32.6M | $19.2M | ||
| Q4 24 | $32.0M | $18.5M | ||
| Q3 24 | $33.5M | $16.8M | ||
| Q2 24 | $31.2M | $16.1M | ||
| Q1 24 | $30.6M | $13.5M |
| Q4 25 | $6.7M | $173.0K | ||
| Q3 25 | $7.1M | $392.0K | ||
| Q2 25 | $7.7M | $-245.0K | ||
| Q1 25 | $5.4M | $-245.0K | ||
| Q4 24 | $6.0M | $-238.0K | ||
| Q3 24 | $5.4M | $-705.0K | ||
| Q2 24 | $5.0M | $-4.3M | ||
| Q1 24 | $3.4M | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 22.6% | 4.0% | ||
| Q3 25 | 24.5% | 3.6% | ||
| Q2 25 | 26.5% | 0.6% | ||
| Q1 25 | 20.0% | 0.3% | ||
| Q4 24 | 22.6% | 0.5% | ||
| Q3 24 | 19.9% | -2.5% | ||
| Q2 24 | 20.0% | -2.6% | ||
| Q1 24 | 13.1% | -15.5% |
| Q4 25 | 18.7% | 0.8% | ||
| Q3 25 | 19.6% | 2.0% | ||
| Q2 25 | 21.2% | -1.3% | ||
| Q1 25 | 16.5% | -1.3% | ||
| Q4 24 | 18.8% | -1.3% | ||
| Q3 24 | 16.1% | -4.2% | ||
| Q2 24 | 16.1% | -26.7% | ||
| Q1 24 | 11.1% | -10.1% |
| Q4 25 | $2.08 | $0.01 | ||
| Q3 25 | $2.18 | $0.04 | ||
| Q2 25 | $2.37 | $-0.02 | ||
| Q1 25 | $1.66 | $-0.02 | ||
| Q4 24 | $1.85 | $-0.02 | ||
| Q3 24 | $1.65 | $-0.07 | ||
| Q2 24 | $1.50 | $-0.41 | ||
| 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 | — | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $35.2M |
| Total Assets | $2.8B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | $261.8M | $35.2M | ||
| Q3 25 | $253.3M | $34.8M | ||
| Q2 25 | $240.3M | $34.2M | ||
| Q1 25 | $234.6M | $34.2M | ||
| Q4 24 | $226.4M | $34.1M | ||
| Q3 24 | $227.3M | $34.1M | ||
| Q2 24 | $218.5M | $34.6M | ||
| Q1 24 | $216.3M | $38.7M |
| Q4 25 | $2.8B | $73.0M | ||
| Q3 25 | $2.7B | $73.2M | ||
| Q2 25 | $2.7B | $72.7M | ||
| Q1 25 | $2.6B | $70.4M | ||
| Q4 24 | $2.6B | $71.0M | ||
| Q3 24 | $2.6B | $71.9M | ||
| Q2 24 | $2.5B | $72.8M | ||
| Q1 24 | $2.5B | $79.1M |
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 | $2.1M |
| Free Cash FlowOCF − Capex | $22.2M | $2.0M |
| FCF MarginFCF / Revenue | 61.8% | 9.0% |
| Capex IntensityCapex / Revenue | 6.5% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.65× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $2.1M | ||
| Q3 25 | $23.4M | $-311.0K | ||
| Q2 25 | $-4.4M | $2.2M | ||
| Q1 25 | $3.2M | $601.0K | ||
| Q4 24 | $36.8M | $-244.0K | ||
| Q3 24 | $404.0K | $2.4M | ||
| Q2 24 | $1.7M | $197.0K | ||
| Q1 24 | $895.0K | $840.0K |
| Q4 25 | $22.2M | $2.0M | ||
| Q3 25 | $22.7M | $-419.0K | ||
| Q2 25 | $-5.0M | $2.2M | ||
| Q1 25 | $2.9M | $574.0K | ||
| Q4 24 | $33.3M | $-418.0K | ||
| Q3 24 | $-1.6M | $2.1M | ||
| Q2 24 | $1.2M | $28.0K | ||
| Q1 24 | $410.0K | $697.0K |
| Q4 25 | 61.8% | 9.0% | ||
| Q3 25 | 63.0% | -2.1% | ||
| Q2 25 | -13.6% | 11.4% | ||
| Q1 25 | 9.0% | 3.0% | ||
| Q4 24 | 103.8% | -2.3% | ||
| Q3 24 | -4.9% | 12.6% | ||
| Q2 24 | 3.7% | 0.2% | ||
| Q1 24 | 1.3% | 5.2% |
| Q4 25 | 6.5% | 0.3% | ||
| Q3 25 | 2.1% | 0.5% | ||
| Q2 25 | 1.6% | 0.2% | ||
| Q1 25 | 0.8% | 0.1% | ||
| Q4 24 | 10.9% | 0.9% | ||
| Q3 24 | 6.1% | 1.5% | ||
| Q2 24 | 1.7% | 1.0% | ||
| Q1 24 | 1.6% | 1.1% |
| Q4 25 | 3.65× | 12.13× | ||
| Q3 25 | 3.31× | -0.79× | ||
| 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% |
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
