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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and SBC Medical Group Holdings Inc (SBC). Click either name above to swap in a different company.
SBC Medical Group Holdings Inc is the larger business by last-quarter revenue ($39.6M vs $35.9M, roughly 1.1× C & F FINANCIAL CORP). SBC Medical Group Holdings Inc runs the higher net margin — 35.9% vs 18.7%, a 17.2% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -10.9%). SBC Medical Group Holdings Inc produced more free cash flow last quarter ($51.2M vs $22.2M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -15.0%).
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.
SBC Medical Group Holdings Inc. is a leading Japan-headquartered healthcare provider primarily focused on aesthetic medicine, dermatology, and anti-aging wellness services. It operates an extensive network of clinics across Japan, catering to both domestic patients and international medical tourists, with core offerings including cosmetic surgery and non-invasive skincare treatments.
CFFI vs SBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $39.6M |
| Net Profit | $6.7M | $14.2M |
| Gross Margin | — | 73.1% |
| Operating Margin | 22.6% | 32.5% |
| Net Margin | 18.7% | 35.9% |
| Revenue YoY | 12.0% | -10.9% |
| Net Profit YoY | 11.0% | 117.2% |
| EPS (diluted) | $2.08 | $0.15 |
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 | $39.6M | ||
| Q3 25 | $36.0M | $43.4M | ||
| Q2 25 | $36.4M | $43.4M | ||
| Q1 25 | $32.6M | $47.3M | ||
| Q4 24 | $32.0M | $44.4M | ||
| Q3 24 | $33.5M | $53.1M | ||
| Q2 24 | $31.2M | $53.1M | ||
| Q1 24 | $30.6M | $54.8M |
| Q4 25 | $6.7M | $14.2M | ||
| Q3 25 | $7.1M | $12.8M | ||
| Q2 25 | $7.7M | $2.5M | ||
| Q1 25 | $5.4M | $21.5M | ||
| Q4 24 | $6.0M | $6.5M | ||
| Q3 24 | $5.4M | $2.8M | ||
| Q2 24 | $5.0M | $18.5M | ||
| Q1 24 | $3.4M | $18.8M |
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% | ||
| Q1 24 | — | 72.1% |
| Q4 25 | 22.6% | 32.5% | ||
| Q3 25 | 24.5% | 36.6% | ||
| Q2 25 | 26.5% | 33.6% | ||
| Q1 25 | 20.0% | 51.1% | ||
| Q4 24 | 22.6% | 10.6% | ||
| Q3 24 | 19.9% | 26.1% | ||
| Q2 24 | 20.0% | 51.4% | ||
| Q1 24 | 13.1% | 44.6% |
| Q4 25 | 18.7% | 35.9% | ||
| Q3 25 | 19.6% | 29.6% | ||
| Q2 25 | 21.2% | 5.7% | ||
| Q1 25 | 16.5% | 45.4% | ||
| Q4 24 | 18.8% | 14.7% | ||
| Q3 24 | 16.1% | 5.3% | ||
| Q2 24 | 16.1% | 34.8% | ||
| Q1 24 | 11.1% | 34.2% |
| Q4 25 | $2.08 | $0.15 | ||
| Q3 25 | $2.18 | $0.12 | ||
| Q2 25 | $2.37 | $0.02 | ||
| Q1 25 | $1.66 | $0.21 | ||
| Q4 24 | $1.85 | $0.05 | ||
| Q3 24 | $1.65 | $0.03 | ||
| Q2 24 | $1.50 | $0.20 | ||
| Q1 24 | $1.01 | $0.20 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $164.1M |
| Total DebtLower is stronger | — | $42.8M |
| Stockholders' EquityBook value | $261.8M | $248.3M |
| Total Assets | $2.8B | $380.4M |
| Debt / EquityLower = less leverage | — | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $164.1M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $152.7M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $137.4M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $42.8M | ||
| Q3 25 | — | $21.1M | ||
| Q2 25 | — | $7.1M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $6.6M | ||
| Q3 24 | — | $823.2K | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $248.3M | ||
| Q3 25 | $253.3M | $248.0M | ||
| Q2 25 | $240.3M | $244.6M | ||
| Q1 25 | $234.6M | $226.4M | ||
| Q4 24 | $226.4M | $195.1M | ||
| Q3 24 | $227.3M | $205.0M | ||
| Q2 24 | $218.5M | $8.8M | ||
| Q1 24 | $216.3M | $9.0M |
| Q4 25 | $2.8B | $380.4M | ||
| Q3 25 | $2.7B | $321.4M | ||
| Q2 25 | $2.7B | $315.3M | ||
| Q1 25 | $2.6B | $284.6M | ||
| Q4 24 | $2.6B | $266.1M | ||
| Q3 24 | $2.6B | $296.5M | ||
| Q2 24 | $2.5B | $19.5M | ||
| Q1 24 | $2.5B | $19.8M |
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.09× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $52.0M |
| Free Cash FlowOCF − Capex | $22.2M | $51.2M |
| FCF MarginFCF / Revenue | 61.8% | 129.3% |
| Capex IntensityCapex / Revenue | 6.5% | 2.0% |
| Cash ConversionOCF / Net Profit | 3.65× | 3.66× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $23.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $52.0M | ||
| Q3 25 | $23.4M | $-20.9M | ||
| Q2 25 | $-4.4M | $-8.3M | ||
| Q1 25 | $3.2M | $1.9M | ||
| Q4 24 | $36.8M | $-7.3M | ||
| Q3 24 | $404.0K | $5.0M | ||
| Q2 24 | $1.7M | $19.2M | ||
| Q1 24 | $895.0K | $3.7M |
| Q4 25 | $22.2M | $51.2M | ||
| Q3 25 | $22.7M | $-20.9M | ||
| Q2 25 | $-5.0M | $-8.6M | ||
| Q1 25 | $2.9M | $1.7M | ||
| Q4 24 | $33.3M | $-7.9M | ||
| Q3 24 | $-1.6M | $4.6M | ||
| Q2 24 | $1.2M | $18.3M | ||
| Q1 24 | $410.0K | $3.0M |
| Q4 25 | 61.8% | 129.3% | ||
| Q3 25 | 63.0% | -48.3% | ||
| Q2 25 | -13.6% | -19.9% | ||
| Q1 25 | 9.0% | 3.5% | ||
| Q4 24 | 103.8% | -17.8% | ||
| Q3 24 | -4.9% | 8.7% | ||
| Q2 24 | 3.7% | 34.5% | ||
| Q1 24 | 1.3% | 5.4% |
| Q4 25 | 6.5% | 2.0% | ||
| Q3 25 | 2.1% | 0.1% | ||
| Q2 25 | 1.6% | 0.7% | ||
| Q1 25 | 0.8% | 0.5% | ||
| Q4 24 | 10.9% | 1.3% | ||
| Q3 24 | 6.1% | 0.8% | ||
| Q2 24 | 1.7% | 1.6% | ||
| Q1 24 | 1.6% | 1.3% |
| Q4 25 | 3.65× | 3.66× | ||
| Q3 25 | 3.31× | -1.63× | ||
| Q2 25 | -0.57× | -3.39× | ||
| Q1 25 | 0.60× | 0.09× | ||
| Q4 24 | 6.09× | -1.12× | ||
| Q3 24 | 0.07× | 1.77× | ||
| Q2 24 | 0.34× | 1.04× | ||
| Q1 24 | 0.26× | 0.20× |
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% |
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
