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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and SIFCO INDUSTRIES INC (SIF). 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 $24.0M, roughly 1.5× SIFCO INDUSTRIES INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 7.5%, a 11.2% gap on every dollar of revenue. On growth, SIFCO INDUSTRIES INC posted the faster year-over-year revenue change (14.8% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $8.0M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 8.1%).
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.
SIFCO Industries, Inc. (SIFCO), is a global metal component manufacturer based in Cleveland, Ohio.
CFFI vs SIF — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $24.0M |
| Net Profit | $6.7M | $1.8M |
| Gross Margin | — | 21.6% |
| Operating Margin | 22.6% | 10.7% |
| Net Margin | 18.7% | 7.5% |
| Revenue YoY | 12.0% | 14.8% |
| Net Profit YoY | 11.0% | 177.3% |
| EPS (diluted) | $2.08 | $0.29 |
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 | $24.0M | ||
| Q3 25 | $36.0M | $22.8M | ||
| Q2 25 | $36.4M | $22.1M | ||
| Q1 25 | $32.6M | $19.0M | ||
| Q4 24 | $32.0M | $20.9M | ||
| Q3 24 | $33.5M | $21.7M | ||
| Q2 24 | $31.2M | $22.0M | ||
| Q1 24 | $30.6M | $20.5M |
| Q4 25 | $6.7M | $1.8M | ||
| Q3 25 | $7.1M | $-429.0K | ||
| Q2 25 | $7.7M | $3.4M | ||
| Q1 25 | $5.4M | $-1.4M | ||
| Q4 24 | $6.0M | $-2.3M | ||
| Q3 24 | $5.4M | $-443.0K | ||
| Q2 24 | $5.0M | $72.0K | ||
| Q1 24 | $3.4M | $-1.6M |
| Q4 25 | — | 21.6% | ||
| Q3 25 | — | 9.6% | ||
| Q2 25 | — | 26.7% | ||
| Q1 25 | — | 8.3% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 10.7% | ||
| Q2 24 | — | 12.3% | ||
| Q1 24 | — | 7.3% |
| Q4 25 | 22.6% | 10.7% | ||
| Q3 25 | 24.5% | -1.7% | ||
| Q2 25 | 26.5% | 14.8% | ||
| Q1 25 | 20.0% | -4.1% | ||
| Q4 24 | 22.6% | -9.2% | ||
| Q3 24 | 19.9% | -1.5% | ||
| Q2 24 | 20.0% | 0.7% | ||
| Q1 24 | 13.1% | -6.5% |
| Q4 25 | 18.7% | 7.5% | ||
| Q3 25 | 19.6% | -1.9% | ||
| Q2 25 | 21.2% | 15.4% | ||
| Q1 25 | 16.5% | -7.3% | ||
| Q4 24 | 18.8% | -11.1% | ||
| Q3 24 | 16.1% | -2.0% | ||
| Q2 24 | 16.1% | 0.3% | ||
| Q1 24 | 11.1% | -7.8% |
| Q4 25 | $2.08 | $0.29 | ||
| Q3 25 | $2.18 | $-0.07 | ||
| Q2 25 | $2.37 | $0.56 | ||
| Q1 25 | $1.66 | $-0.23 | ||
| Q4 24 | $1.85 | $-0.38 | ||
| Q3 24 | $1.65 | $-0.07 | ||
| Q2 24 | $1.50 | $0.01 | ||
| Q1 24 | $1.01 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.1M |
| Total DebtLower is stronger | — | $39.0K |
| Stockholders' EquityBook value | $261.8M | $38.7M |
| Total Assets | $2.8B | $74.9M |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.1M | ||
| Q3 25 | — | $491.0K | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $1.9M | ||
| Q4 24 | — | $3.1M | ||
| Q3 24 | — | $1.7M | ||
| Q2 24 | — | $3.4M | ||
| Q1 24 | — | $2.5M |
| Q4 25 | — | $39.0K | ||
| Q3 25 | — | $51.0K | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $3.6M | ||
| Q1 24 | — | $4.1M |
| Q4 25 | $261.8M | $38.7M | ||
| Q3 25 | $253.3M | $36.9M | ||
| Q2 25 | $240.3M | $35.8M | ||
| Q1 25 | $234.6M | $32.4M | ||
| Q4 24 | $226.4M | $33.7M | ||
| Q3 24 | $227.3M | $30.4M | ||
| Q2 24 | $218.5M | $29.8M | ||
| Q1 24 | $216.3M | $29.7M |
| Q4 25 | $2.8B | $74.9M | ||
| Q3 25 | $2.7B | $73.4M | ||
| Q2 25 | $2.7B | $77.3M | ||
| Q1 25 | $2.6B | $78.8M | ||
| Q4 24 | $2.6B | $81.0M | ||
| Q3 24 | $2.6B | $104.6M | ||
| Q2 24 | $2.5B | $106.3M | ||
| Q1 24 | $2.5B | $104.2M |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 0.14× |
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 | $8.1M |
| Free Cash FlowOCF − Capex | $22.2M | $8.0M |
| FCF MarginFCF / Revenue | 61.8% | 33.3% |
| Capex IntensityCapex / Revenue | 6.5% | 0.4% |
| Cash ConversionOCF / Net Profit | 3.65× | 4.51× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $11.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $8.1M | ||
| Q3 25 | $23.4M | $726.0K | ||
| Q2 25 | $-4.4M | $371.0K | ||
| Q1 25 | $3.2M | $2.8M | ||
| Q4 24 | $36.8M | $-3.8M | ||
| Q3 24 | $404.0K | $857.0K | ||
| Q2 24 | $1.7M | $382.0K | ||
| Q1 24 | $895.0K | $-3.2M |
| Q4 25 | $22.2M | $8.0M | ||
| Q3 25 | $22.7M | $566.0K | ||
| Q2 25 | $-5.0M | $310.0K | ||
| Q1 25 | $2.9M | $2.7M | ||
| Q4 24 | $33.3M | $-3.9M | ||
| Q3 24 | $-1.6M | $580.0K | ||
| Q2 24 | $1.2M | $-175.0K | ||
| Q1 24 | $410.0K | $-3.9M |
| Q4 25 | 61.8% | 33.3% | ||
| Q3 25 | 63.0% | 2.5% | ||
| Q2 25 | -13.6% | 1.4% | ||
| Q1 25 | 9.0% | 14.1% | ||
| Q4 24 | 103.8% | -18.8% | ||
| Q3 24 | -4.9% | 2.7% | ||
| Q2 24 | 3.7% | -0.8% | ||
| Q1 24 | 1.3% | -18.9% |
| Q4 25 | 6.5% | 0.4% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.3% | ||
| Q1 25 | 0.8% | 0.8% | ||
| Q4 24 | 10.9% | 0.5% | ||
| Q3 24 | 6.1% | 1.3% | ||
| Q2 24 | 1.7% | 2.5% | ||
| Q1 24 | 1.6% | 3.3% |
| Q4 25 | 3.65× | 4.51× | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | 0.11× | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | 5.31× | ||
| 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% |
SIF
| Fixed Wing Aircraft Revenue | $10.5M | 44% |
| Commercial Revenue | $8.7M | 36% |
| Commercial Product And Other Revenue | $2.8M | 12% |
| Commercial Space | $1.1M | 5% |
| Other | $840.0K | 4% |
