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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and SANDRIDGE ENERGY INC (SD). Click either name above to swap in a different company.
SANDRIDGE ENERGY INC is the larger business by last-quarter revenue ($39.4M vs $35.9M, roughly 1.1× C & F FINANCIAL CORP). SANDRIDGE ENERGY INC runs the higher net margin — 54.9% vs 18.7%, a 36.3% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 1.1%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $14.4M). Over the past eight quarters, SANDRIDGE ENERGY INC's revenue compounded faster (14.1% 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.
SandRidge Energy, Inc. is a company engaged in hydrocarbon exploration in the Mid-Continent region of the United States. It is organized in Delaware and headquartered in Oklahoma City, Oklahoma.
CFFI vs SD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $39.4M |
| Net Profit | $6.7M | $21.6M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 38.5% |
| Net Margin | 18.7% | 54.9% |
| Revenue YoY | 12.0% | 1.1% |
| Net Profit YoY | 11.0% | 23.1% |
| EPS (diluted) | $2.08 | $0.59 |
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 | $39.4M | ||
| Q3 25 | $36.0M | $39.8M | ||
| Q2 25 | $36.4M | $34.5M | ||
| Q1 25 | $32.6M | $42.6M | ||
| Q4 24 | $32.0M | $39.0M | ||
| Q3 24 | $33.5M | $30.1M | ||
| Q2 24 | $31.2M | $26.0M | ||
| Q1 24 | $30.6M | $30.3M |
| Q4 25 | $6.7M | $21.6M | ||
| Q3 25 | $7.1M | $16.0M | ||
| Q2 25 | $7.7M | $19.6M | ||
| Q1 25 | $5.4M | $13.0M | ||
| Q4 24 | $6.0M | $17.6M | ||
| Q3 24 | $5.4M | $25.5M | ||
| Q2 24 | $5.0M | $8.8M | ||
| Q1 24 | $3.4M | $11.1M |
| Q4 25 | 22.6% | 38.5% | ||
| Q3 25 | 24.5% | 37.8% | ||
| Q2 25 | 26.5% | 53.7% | ||
| Q1 25 | 20.0% | 28.6% | ||
| Q4 24 | 22.6% | 25.9% | ||
| Q3 24 | 19.9% | 28.3% | ||
| Q2 24 | 20.0% | 23.9% | ||
| Q1 24 | 13.1% | 27.8% |
| Q4 25 | 18.7% | 54.9% | ||
| Q3 25 | 19.6% | 40.1% | ||
| Q2 25 | 21.2% | 56.6% | ||
| Q1 25 | 16.5% | 30.6% | ||
| Q4 24 | 18.8% | 45.1% | ||
| Q3 24 | 16.1% | 84.8% | ||
| Q2 24 | 16.1% | 33.9% | ||
| Q1 24 | 11.1% | 36.7% |
| Q4 25 | $2.08 | $0.59 | ||
| Q3 25 | $2.18 | $0.43 | ||
| Q2 25 | $2.37 | $0.53 | ||
| Q1 25 | $1.66 | $0.35 | ||
| Q4 24 | $1.85 | $0.46 | ||
| Q3 24 | $1.65 | $0.69 | ||
| Q2 24 | $1.50 | $0.24 | ||
| Q1 24 | $1.01 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $111.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $510.9M |
| Total Assets | $2.8B | $644.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $111.0M | ||
| Q3 25 | — | $101.2M | ||
| Q2 25 | — | $102.8M | ||
| Q1 25 | — | $99.7M | ||
| Q4 24 | — | $98.1M | ||
| Q3 24 | — | $92.7M | ||
| Q2 24 | — | $209.9M | ||
| Q1 24 | — | $207.0M |
| Q4 25 | $261.8M | $510.9M | ||
| Q3 25 | $253.3M | $492.4M | ||
| Q2 25 | $240.3M | $480.2M | ||
| Q1 25 | $234.6M | $464.9M | ||
| Q4 24 | $226.4M | $460.5M | ||
| Q3 24 | $227.3M | $446.8M | ||
| Q2 24 | $218.5M | $424.8M | ||
| Q1 24 | $216.3M | $419.7M |
| Q4 25 | $2.8B | $644.0M | ||
| Q3 25 | $2.7B | $619.0M | ||
| Q2 25 | $2.7B | $602.3M | ||
| Q1 25 | $2.6B | $588.3M | ||
| Q4 24 | $2.6B | $581.5M | ||
| Q3 24 | $2.6B | $565.2M | ||
| Q2 24 | $2.5B | $529.6M | ||
| Q1 24 | $2.5B | $527.4M |
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 | $31.7M |
| Free Cash FlowOCF − Capex | $22.2M | $14.4M |
| FCF MarginFCF / Revenue | 61.8% | 36.6% |
| Capex IntensityCapex / Revenue | 6.5% | 43.8% |
| Cash ConversionOCF / Net Profit | 3.65× | 1.46× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $41.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $31.7M | ||
| Q3 25 | $23.4M | $25.3M | ||
| Q2 25 | $-4.4M | $22.9M | ||
| Q1 25 | $3.2M | $20.3M | ||
| Q4 24 | $36.8M | $26.0M | ||
| Q3 24 | $404.0K | $20.8M | ||
| Q2 24 | $1.7M | $11.4M | ||
| Q1 24 | $895.0K | $15.7M |
| Q4 25 | $22.2M | $14.4M | ||
| Q3 25 | $22.7M | $5.9M | ||
| Q2 25 | $-5.0M | $7.3M | ||
| Q1 25 | $2.9M | $13.9M | ||
| Q4 24 | $33.3M | $13.2M | ||
| Q3 24 | $-1.6M | $10.8M | ||
| Q2 24 | $1.2M | $9.0M | ||
| Q1 24 | $410.0K | $14.6M |
| Q4 25 | 61.8% | 36.6% | ||
| Q3 25 | 63.0% | 14.9% | ||
| Q2 25 | -13.6% | 21.0% | ||
| Q1 25 | 9.0% | 32.7% | ||
| Q4 24 | 103.8% | 33.8% | ||
| Q3 24 | -4.9% | 36.1% | ||
| Q2 24 | 3.7% | 34.5% | ||
| Q1 24 | 1.3% | 48.1% |
| Q4 25 | 6.5% | 43.8% | ||
| Q3 25 | 2.1% | 48.6% | ||
| Q2 25 | 1.6% | 45.2% | ||
| Q1 25 | 0.8% | 15.0% | ||
| Q4 24 | 10.9% | 32.9% | ||
| Q3 24 | 6.1% | 33.3% | ||
| Q2 24 | 1.7% | 9.4% | ||
| Q1 24 | 1.6% | 3.7% |
| Q4 25 | 3.65× | 1.46× | ||
| Q3 25 | 3.31× | 1.58× | ||
| Q2 25 | -0.57× | 1.17× | ||
| Q1 25 | 0.60× | 1.56× | ||
| Q4 24 | 6.09× | 1.48× | ||
| Q3 24 | 0.07× | 0.82× | ||
| Q2 24 | 0.34× | 1.30× | ||
| Q1 24 | 0.26× | 1.41× |
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% |
SD
| Oil Reserves | $19.0M | 48% |
| Natural Gas Reserves | $11.6M | 30% |
| Natural Gas Liquids Reserves | $8.7M | 22% |
