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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and RxSight, Inc. (RXST). 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 $32.6M, roughly 1.1× RxSight, Inc.). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -28.1%, a 46.7% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -18.9%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-2.3M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 5.1%).
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.
RxSight, Inc. is a medical technology company focused on developing and commercializing innovative intraocular lens solutions for patients undergoing cataract and refractive lens exchange procedures. Its flagship Light Adjustable Lens allows post-surgery power adjustment via a dedicated light delivery device, serving global ophthalmology care markets to improve post-operative visual outcomes for patients.
CFFI vs RXST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $32.6M |
| Net Profit | $6.7M | $-9.2M |
| Gross Margin | — | 77.5% |
| Operating Margin | 22.6% | -34.8% |
| Net Margin | 18.7% | -28.1% |
| Revenue YoY | 12.0% | -18.9% |
| Net Profit YoY | 11.0% | -54.1% |
| EPS (diluted) | $2.08 | $-0.22 |
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 | $32.6M | ||
| Q3 25 | $36.0M | $30.3M | ||
| Q2 25 | $36.4M | $33.6M | ||
| Q1 25 | $32.6M | $37.9M | ||
| Q4 24 | $32.0M | $40.2M | ||
| Q3 24 | $33.5M | $35.3M | ||
| Q2 24 | $31.2M | $34.9M | ||
| Q1 24 | $30.6M | $29.5M |
| Q4 25 | $6.7M | $-9.2M | ||
| Q3 25 | $7.1M | $-9.8M | ||
| Q2 25 | $7.7M | $-11.8M | ||
| Q1 25 | $5.4M | $-8.2M | ||
| Q4 24 | $6.0M | $-5.9M | ||
| Q3 24 | $5.4M | $-6.3M | ||
| Q2 24 | $5.0M | $-6.1M | ||
| Q1 24 | $3.4M | $-9.1M |
| Q4 25 | — | 77.5% | ||
| Q3 25 | — | 79.9% | ||
| Q2 25 | — | 74.9% | ||
| Q1 25 | — | 74.8% | ||
| Q4 24 | — | 71.6% | ||
| Q3 24 | — | 71.4% | ||
| Q2 24 | — | 69.5% | ||
| Q1 24 | — | 70.1% |
| Q4 25 | 22.6% | -34.8% | ||
| Q3 25 | 24.5% | -40.1% | ||
| Q2 25 | 26.5% | -41.6% | ||
| Q1 25 | 20.0% | -28.2% | ||
| Q4 24 | 22.6% | -21.5% | ||
| Q3 24 | 19.9% | -26.1% | ||
| Q2 24 | 20.0% | -23.9% | ||
| Q1 24 | 13.1% | -36.2% |
| Q4 25 | 18.7% | -28.1% | ||
| Q3 25 | 19.6% | -32.4% | ||
| Q2 25 | 21.2% | -35.0% | ||
| Q1 25 | 16.5% | -21.6% | ||
| Q4 24 | 18.8% | -14.8% | ||
| Q3 24 | 16.1% | -17.9% | ||
| Q2 24 | 16.1% | -17.4% | ||
| Q1 24 | 11.1% | -30.8% |
| Q4 25 | $2.08 | $-0.22 | ||
| Q3 25 | $2.18 | $-0.24 | ||
| Q2 25 | $2.37 | $-0.29 | ||
| Q1 25 | $1.66 | $-0.20 | ||
| Q4 24 | $1.85 | $-0.14 | ||
| Q3 24 | $1.65 | $-0.16 | ||
| Q2 24 | $1.50 | $-0.16 | ||
| Q1 24 | $1.01 | $-0.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $228.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $275.7M |
| Total Assets | $2.8B | $311.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $228.1M | ||
| Q3 25 | — | $227.5M | ||
| Q2 25 | — | $227.5M | ||
| Q1 25 | — | $229.3M | ||
| Q4 24 | — | $237.2M | ||
| Q3 24 | — | $237.1M | ||
| Q2 24 | — | $233.3M | ||
| Q1 24 | — | $125.4M |
| Q4 25 | $261.8M | $275.7M | ||
| Q3 25 | $253.3M | $276.0M | ||
| Q2 25 | $240.3M | $278.0M | ||
| Q1 25 | $234.6M | $279.3M | ||
| Q4 24 | $226.4M | $281.2M | ||
| Q3 24 | $227.3M | $277.3M | ||
| Q2 24 | $218.5M | $275.2M | ||
| Q1 24 | $216.3M | $163.9M |
| Q4 25 | $2.8B | $311.8M | ||
| Q3 25 | $2.7B | $308.5M | ||
| Q2 25 | $2.7B | $309.0M | ||
| Q1 25 | $2.6B | $313.0M | ||
| Q4 24 | $2.6B | $318.6M | ||
| Q3 24 | $2.6B | $310.5M | ||
| Q2 24 | $2.5B | $305.5M | ||
| Q1 24 | $2.5B | $183.2M |
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 | $-1.1M |
| Free Cash FlowOCF − Capex | $22.2M | $-2.3M |
| FCF MarginFCF / Revenue | 61.8% | -6.9% |
| Capex IntensityCapex / Revenue | 6.5% | 3.5% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-19.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-1.1M | ||
| Q3 25 | $23.4M | $-1.2M | ||
| Q2 25 | $-4.4M | $-4.4M | ||
| Q1 25 | $3.2M | $-8.8M | ||
| Q4 24 | $36.8M | $-4.3M | ||
| Q3 24 | $404.0K | $650.0K | ||
| Q2 24 | $1.7M | $-4.0M | ||
| Q1 24 | $895.0K | $-9.3M |
| Q4 25 | $22.2M | $-2.3M | ||
| Q3 25 | $22.7M | $-1.8M | ||
| Q2 25 | $-5.0M | $-5.9M | ||
| Q1 25 | $2.9M | $-9.4M | ||
| Q4 24 | $33.3M | $-5.1M | ||
| Q3 24 | $-1.6M | $-453.0K | ||
| Q2 24 | $1.2M | $-5.5M | ||
| Q1 24 | $410.0K | $-11.3M |
| Q4 25 | 61.8% | -6.9% | ||
| Q3 25 | 63.0% | -5.8% | ||
| Q2 25 | -13.6% | -17.6% | ||
| Q1 25 | 9.0% | -24.8% | ||
| Q4 24 | 103.8% | -12.7% | ||
| Q3 24 | -4.9% | -1.3% | ||
| Q2 24 | 3.7% | -15.9% | ||
| Q1 24 | 1.3% | -38.2% |
| Q4 25 | 6.5% | 3.5% | ||
| Q3 25 | 2.1% | 1.9% | ||
| Q2 25 | 1.6% | 4.6% | ||
| Q1 25 | 0.8% | 1.5% | ||
| Q4 24 | 10.9% | 2.1% | ||
| Q3 24 | 6.1% | 3.1% | ||
| Q2 24 | 1.7% | 4.4% | ||
| Q1 24 | 1.6% | 6.7% |
| 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% |
RXST
| Rxlal | $28.2M | 86% |
| LDD | $3.0M | 9% |
| Service Warranty Service Contracts And Accessories | $1.5M | 4% |
