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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Spok Holdings, Inc (SPOK). 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 $33.9M, roughly 1.1× Spok Holdings, Inc). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 8.7%, a 10.0% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -0.1%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $10.1M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -1.5%).
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.
Spok Holdings, Inc. is a global provider of critical communication solutions primarily serving the healthcare industry. It offers unified clinical communication platforms, secure messaging tools, alerting systems, and on-call scheduling software that help care teams coordinate efficiently, cut response times, and boost patient safety across medical facilities.
CFFI vs SPOK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $33.9M |
| Net Profit | $6.7M | $2.9M |
| Gross Margin | — | 76.7% |
| Operating Margin | 22.6% | 11.6% |
| Net Margin | 18.7% | 8.7% |
| Revenue YoY | 12.0% | -0.1% |
| Net Profit YoY | 11.0% | -19.6% |
| EPS (diluted) | $2.08 | $0.13 |
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 | $33.9M | ||
| Q3 25 | $36.0M | $33.9M | ||
| Q2 25 | $36.4M | $35.7M | ||
| Q1 25 | $32.6M | $36.3M | ||
| Q4 24 | $32.0M | $33.9M | ||
| Q3 24 | $33.5M | $34.9M | ||
| Q2 24 | $31.2M | $34.0M | ||
| Q1 24 | $30.6M | $34.9M |
| Q4 25 | $6.7M | $2.9M | ||
| Q3 25 | $7.1M | $3.2M | ||
| Q2 25 | $7.7M | $4.6M | ||
| Q1 25 | $5.4M | $5.2M | ||
| Q4 24 | $6.0M | $3.6M | ||
| Q3 24 | $5.4M | $3.7M | ||
| Q2 24 | $5.0M | $3.4M | ||
| Q1 24 | $3.4M | $4.2M |
| Q4 25 | — | 76.7% | ||
| Q3 25 | — | 78.3% | ||
| Q2 25 | — | 79.5% | ||
| Q1 25 | — | 80.1% | ||
| Q4 24 | — | 78.5% | ||
| Q3 24 | — | 79.5% | ||
| Q2 24 | — | 78.9% | ||
| Q1 24 | — | 79.5% |
| Q4 25 | 22.6% | 11.6% | ||
| Q3 25 | 24.5% | 12.9% | ||
| Q2 25 | 26.5% | 15.1% | ||
| Q1 25 | 20.0% | 16.6% | ||
| Q4 24 | 22.6% | 13.7% | ||
| Q3 24 | 19.9% | 14.2% | ||
| Q2 24 | 20.0% | 13.2% | ||
| Q1 24 | 13.1% | 14.0% |
| Q4 25 | 18.7% | 8.7% | ||
| Q3 25 | 19.6% | 9.5% | ||
| Q2 25 | 21.2% | 12.8% | ||
| Q1 25 | 16.5% | 14.3% | ||
| Q4 24 | 18.8% | 10.8% | ||
| Q3 24 | 16.1% | 10.5% | ||
| Q2 24 | 16.1% | 10.1% | ||
| Q1 24 | 11.1% | 12.1% |
| Q4 25 | $2.08 | $0.13 | ||
| Q3 25 | $2.18 | $0.15 | ||
| Q2 25 | $2.37 | $0.22 | ||
| Q1 25 | $1.66 | $0.25 | ||
| Q4 24 | $1.85 | $0.17 | ||
| Q3 24 | $1.65 | $0.18 | ||
| Q2 24 | $1.50 | $0.17 | ||
| 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 | — | $25.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $146.4M |
| Total Assets | $2.8B | $206.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $25.3M | ||
| Q3 25 | — | $21.4M | ||
| Q2 25 | — | $20.2M | ||
| Q1 25 | — | $19.9M | ||
| Q4 24 | — | $29.1M | ||
| Q3 24 | — | $27.8M | ||
| Q2 24 | — | $23.9M | ||
| Q1 24 | — | $23.3M |
| Q4 25 | $261.8M | $146.4M | ||
| Q3 25 | $253.3M | $148.7M | ||
| Q2 25 | $240.3M | $150.9M | ||
| Q1 25 | $234.6M | $151.7M | ||
| Q4 24 | $226.4M | $154.7M | ||
| Q3 24 | $227.3M | $156.3M | ||
| Q2 24 | $218.5M | $158.2M | ||
| Q1 24 | $216.3M | $160.2M |
| Q4 25 | $2.8B | $206.1M | ||
| Q3 25 | $2.7B | $209.7M | ||
| Q2 25 | $2.7B | $208.7M | ||
| Q1 25 | $2.6B | $204.5M | ||
| Q4 24 | $2.6B | $217.1M | ||
| Q3 24 | $2.6B | $216.8M | ||
| Q2 24 | $2.5B | $216.4M | ||
| Q1 24 | $2.5B | $215.0M |
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 | $11.5M |
| Free Cash FlowOCF − Capex | $22.2M | $10.1M |
| FCF MarginFCF / Revenue | 61.8% | 29.9% |
| Capex IntensityCapex / Revenue | 6.5% | 4.1% |
| Cash ConversionOCF / Net Profit | 3.65× | 3.93× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $25.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $11.5M | ||
| Q3 25 | $23.4M | $8.1M | ||
| Q2 25 | $-4.4M | $7.0M | ||
| Q1 25 | $3.2M | $2.3M | ||
| Q4 24 | $36.8M | $8.4M | ||
| Q3 24 | $404.0K | $11.1M | ||
| Q2 24 | $1.7M | $7.4M | ||
| Q1 24 | $895.0K | $2.0M |
| Q4 25 | $22.2M | $10.1M | ||
| Q3 25 | $22.7M | $7.6M | ||
| Q2 25 | $-5.0M | $6.0M | ||
| Q1 25 | $2.9M | $1.5M | ||
| Q4 24 | $33.3M | $7.5M | ||
| Q3 24 | $-1.6M | $10.3M | ||
| Q2 24 | $1.2M | $6.8M | ||
| Q1 24 | $410.0K | $1.1M |
| Q4 25 | 61.8% | 29.9% | ||
| Q3 25 | 63.0% | 22.4% | ||
| Q2 25 | -13.6% | 16.8% | ||
| Q1 25 | 9.0% | 4.2% | ||
| Q4 24 | 103.8% | 22.3% | ||
| Q3 24 | -4.9% | 29.4% | ||
| Q2 24 | 3.7% | 20.0% | ||
| Q1 24 | 1.3% | 3.2% |
| Q4 25 | 6.5% | 4.1% | ||
| Q3 25 | 2.1% | 1.6% | ||
| Q2 25 | 1.6% | 2.9% | ||
| Q1 25 | 0.8% | 2.1% | ||
| Q4 24 | 10.9% | 2.5% | ||
| Q3 24 | 6.1% | 2.4% | ||
| Q2 24 | 1.7% | 1.9% | ||
| Q1 24 | 1.6% | 2.5% |
| Q4 25 | 3.65× | 3.93× | ||
| Q3 25 | 3.31× | 2.54× | ||
| Q2 25 | -0.57× | 1.55× | ||
| Q1 25 | 0.60× | 0.43× | ||
| Q4 24 | 6.09× | 2.31× | ||
| Q3 24 | 0.07× | 3.03× | ||
| Q2 24 | 0.34× | 2.17× | ||
| Q1 24 | 0.26× | 0.47× |
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% |
SPOK
| Paging | $16.8M | 50% |
| Software Operations | $16.0M | 47% |
| License | $1.2M | 4% |
