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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and SMITH MIDLAND CORP (SMID). 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 $23.1M, roughly 1.6× SMITH MIDLAND CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 9.2%, a 9.5% gap on every dollar of revenue. On growth, SMITH MIDLAND CORP posted the faster year-over-year revenue change (24.7% vs 12.0%). Over the past eight quarters, SMITH MIDLAND CORP's revenue compounded faster (17.4% 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.
Smith Midland Corp is a specialized manufacturer of precast concrete products for infrastructure, commercial, residential and industrial construction uses. Its key product lines include highway safety barriers, acoustic sound walls, architectural precast panels, and stormwater management systems, serving primarily the North American market with durable, sustainable construction solutions.
CFFI vs SMID — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $23.1M |
| Net Profit | $6.7M | $2.1M |
| Gross Margin | — | 57.5% |
| Operating Margin | 22.6% | 37.8% |
| Net Margin | 18.7% | 9.2% |
| Revenue YoY | 12.0% | 24.7% |
| Net Profit YoY | 11.0% | 52.5% |
| EPS (diluted) | $2.08 | $0.41 |
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 | $23.1M | ||
| Q3 25 | $36.0M | $21.5M | ||
| Q2 25 | $36.4M | $26.2M | ||
| Q1 25 | $32.6M | $22.7M | ||
| Q4 24 | $32.0M | $18.5M | ||
| Q3 24 | $33.5M | $23.6M | ||
| Q2 24 | $31.2M | $19.6M | ||
| Q1 24 | $30.6M | $16.8M |
| Q4 25 | $6.7M | $2.1M | ||
| Q3 25 | $7.1M | $2.9M | ||
| Q2 25 | $7.7M | $4.2M | ||
| Q1 25 | $5.4M | $3.3M | ||
| Q4 24 | $6.0M | $1.4M | ||
| Q3 24 | $5.4M | $3.1M | ||
| Q2 24 | $5.0M | $2.0M | ||
| Q1 24 | $3.4M | $1.1M |
| Q4 25 | — | 57.5% | ||
| Q3 25 | — | 26.8% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 30.7% | ||
| Q4 24 | — | 51.4% | ||
| Q3 24 | — | 27.9% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 23.3% |
| Q4 25 | 22.6% | 37.8% | ||
| Q3 25 | 24.5% | 18.0% | ||
| Q2 25 | 26.5% | 0.0% | ||
| Q1 25 | 20.0% | 19.3% | ||
| Q4 24 | 22.6% | 24.5% | ||
| Q3 24 | 19.9% | 16.3% | ||
| Q2 24 | 20.0% | 0.0% | ||
| Q1 24 | 13.1% | 9.0% |
| Q4 25 | 18.7% | 9.2% | ||
| Q3 25 | 19.6% | 13.4% | ||
| Q2 25 | 21.2% | 15.9% | ||
| Q1 25 | 16.5% | 14.7% | ||
| Q4 24 | 18.8% | 7.5% | ||
| Q3 24 | 16.1% | 13.4% | ||
| Q2 24 | 16.1% | 10.1% | ||
| Q1 24 | 11.1% | 6.8% |
| Q4 25 | $2.08 | $0.41 | ||
| Q3 25 | $2.18 | $0.54 | ||
| Q2 25 | $2.37 | $0.79 | ||
| Q1 25 | $1.66 | $0.62 | ||
| Q4 24 | $1.85 | $0.28 | ||
| Q3 24 | $1.65 | $0.59 | ||
| Q2 24 | $1.50 | $0.37 | ||
| Q1 24 | $1.01 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $54.3M |
| Total Assets | $2.8B | $87.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $261.8M | $54.3M | ||
| Q3 25 | $253.3M | $52.1M | ||
| Q2 25 | $240.3M | $49.2M | ||
| Q1 25 | $234.6M | $45.1M | ||
| Q4 24 | $226.4M | $41.7M | ||
| Q3 24 | $227.3M | $40.3M | ||
| Q2 24 | $218.5M | $37.2M | ||
| Q1 24 | $216.3M | $35.3M |
| Q4 25 | $2.8B | $87.7M | ||
| Q3 25 | $2.7B | $85.4M | ||
| Q2 25 | $2.7B | $81.2K | ||
| Q1 25 | $2.6B | $74.7M | ||
| Q4 24 | $2.6B | $68.0M | ||
| Q3 24 | $2.6B | $66.6M | ||
| Q2 24 | $2.5B | $64.0M | ||
| Q1 24 | $2.5B | $64.9M |
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 | — |
| Free Cash FlowOCF − Capex | $22.2M | — |
| FCF MarginFCF / Revenue | 61.8% | — |
| Capex IntensityCapex / Revenue | 6.5% | — |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | $11.7M | ||
| Q2 25 | $-4.4M | — | ||
| Q1 25 | $3.2M | $2.2M | ||
| Q4 24 | $36.8M | $-645.0K | ||
| Q3 24 | $404.0K | $3.9M | ||
| Q2 24 | $1.7M | $2.7M | ||
| Q1 24 | $895.0K | $-777.0K |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | $6.3M | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | $1.6M | ||
| Q4 24 | $33.3M | $-1.3M | ||
| Q3 24 | $-1.6M | $1.8M | ||
| Q2 24 | $1.2M | $998.0K | ||
| Q1 24 | $410.0K | $-2.6M |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | 29.5% | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | 7.1% | ||
| Q4 24 | 103.8% | -7.0% | ||
| Q3 24 | -4.9% | 7.8% | ||
| Q2 24 | 3.7% | 5.1% | ||
| Q1 24 | 1.3% | -15.3% |
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | 25.1% | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | 2.6% | ||
| Q4 24 | 10.9% | 3.6% | ||
| Q3 24 | 6.1% | 8.6% | ||
| Q2 24 | 1.7% | 8.7% | ||
| Q1 24 | 1.6% | 10.7% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | 4.07× | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | 0.67× | ||
| Q4 24 | 6.09× | -0.46× | ||
| Q3 24 | 0.07× | 1.23× | ||
| Q2 24 | 0.34× | 1.37× | ||
| Q1 24 | 0.26× | -0.68× |
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% |
SMID
| Product Sales | $13.8M | 60% |
| Service Revenue | $9.3M | 40% |
