vs
Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $35.9M, roughly 1.3× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -33.9%, a 52.6% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CFFI vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $47.1M |
| Net Profit | $6.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 22.6% | -17.7% |
| Net Margin | 18.7% | -33.9% |
| Revenue YoY | 12.0% | -15.6% |
| Net Profit YoY | 11.0% | 68.8% |
| EPS (diluted) | $2.08 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $36.0M | $38.2M | ||
| Q2 25 | $36.4M | $38.4M | ||
| Q1 25 | $32.6M | $32.5M | ||
| Q4 24 | $32.0M | $55.8M | ||
| Q3 24 | $33.5M | $29.3M | ||
| Q2 24 | $31.2M | $34.0M | ||
| Q1 24 | $30.6M | $25.5M |
| Q4 25 | $6.7M | $-16.0M | ||
| Q3 25 | $7.1M | $-23.8M | ||
| Q2 25 | $7.7M | $202.5M | ||
| Q1 25 | $5.4M | $-25.0M | ||
| Q4 24 | $6.0M | $-51.1M | ||
| Q3 24 | $5.4M | $-148.3M | ||
| Q2 24 | $5.0M | $-582.3M | ||
| Q1 24 | $3.4M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 22.6% | -17.7% | ||
| Q3 25 | 24.5% | -33.6% | ||
| Q2 25 | 26.5% | -34.8% | ||
| Q1 25 | 20.0% | -65.0% | ||
| Q4 24 | 22.6% | -84.4% | ||
| Q3 24 | 19.9% | -493.2% | ||
| Q2 24 | 20.0% | -1705.5% | ||
| Q1 24 | 13.1% | -267.0% |
| Q4 25 | 18.7% | -33.9% | ||
| Q3 25 | 19.6% | -62.2% | ||
| Q2 25 | 21.2% | 527.8% | ||
| Q1 25 | 16.5% | -76.9% | ||
| Q4 24 | 18.8% | -91.6% | ||
| Q3 24 | 16.1% | -506.3% | ||
| Q2 24 | 16.1% | -1712.6% | ||
| Q1 24 | 11.1% | -283.9% |
| Q4 25 | $2.08 | $-4.40 | ||
| Q3 25 | $2.18 | $-2.84 | ||
| Q2 25 | $2.37 | $-1.79 | ||
| Q1 25 | $1.66 | $-0.15 | ||
| Q4 24 | $1.85 | $-15.29 | ||
| Q3 24 | $1.65 | $-18.24 | ||
| Q2 24 | $1.50 | $-71.81 | ||
| Q1 24 | $1.01 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $-249.4M |
| Total Assets | $2.8B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $261.8M | $-249.4M | ||
| Q3 25 | $253.3M | $-235.7M | ||
| Q2 25 | $240.3M | $-214.1M | ||
| Q1 25 | $234.6M | $-417.5M | ||
| Q4 24 | $226.4M | $-398.4M | ||
| Q3 24 | $227.3M | $-344.1M | ||
| Q2 24 | $218.5M | $-203.2M | ||
| Q1 24 | $216.3M | $371.6M |
| Q4 25 | $2.8B | $308.9M | ||
| Q3 25 | $2.7B | $362.6M | ||
| Q2 25 | $2.7B | $379.2M | ||
| Q1 25 | $2.6B | $405.1M | ||
| Q4 24 | $2.6B | $437.4M | ||
| Q3 24 | $2.6B | $537.8M | ||
| Q2 24 | $2.5B | $691.5M | ||
| Q1 24 | $2.5B | $1.3B |
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 | $8.2M |
| 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 | $8.2M | ||
| Q3 25 | $23.4M | $11.4M | ||
| Q2 25 | $-4.4M | $-21.3M | ||
| Q1 25 | $3.2M | $8.5M | ||
| Q4 24 | $36.8M | $-14.7M | ||
| Q3 24 | $404.0K | $-9.4M | ||
| Q2 24 | $1.7M | $-11.9M | ||
| Q1 24 | $895.0K | $-621.0K |
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | — | ||
| Q2 25 | $-5.0M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | — | ||
| Q2 24 | $1.2M | — | ||
| Q1 24 | $410.0K | — |
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | — | ||
| Q2 25 | -13.6% | — | ||
| Q1 25 | 9.0% | — | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | — | ||
| Q2 24 | 3.7% | — | ||
| Q1 24 | 1.3% | — |
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.1% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 1.6% | — |
| Q4 25 | 3.65× | — | ||
| 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× | — | ||
| 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% |
STEM
Segment breakdown not available.
