vs
Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and SYPRIS SOLUTIONS INC (SYPR). 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 $30.3M, roughly 1.2× SYPRIS SOLUTIONS INC). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -12.9%, a 31.6% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs -9.5%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-1.5M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -7.7%).
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.
Sypris Solutions Inc. is a U.S.-headquartered provider of highly engineered components and specialized technical services, primarily serving aerospace, defense, automotive and commercial industrial markets. It delivers custom manufacturing, performance testing, and value-added engineering support for mission-critical systems and parts for global enterprise clients.
CFFI vs SYPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $30.3M |
| Net Profit | $6.7M | $-3.9M |
| Gross Margin | — | 4.6% |
| Operating Margin | 22.6% | -10.9% |
| Net Margin | 18.7% | -12.9% |
| Revenue YoY | 12.0% | -9.5% |
| Net Profit YoY | 11.0% | -2992.6% |
| EPS (diluted) | $2.08 | $-0.17 |
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 | $30.3M | ||
| Q3 25 | $36.0M | $28.7M | ||
| Q2 25 | $36.4M | $31.4M | ||
| Q1 25 | $32.6M | $29.5M | ||
| Q4 24 | $32.0M | $33.4M | ||
| Q3 24 | $33.5M | $35.7M | ||
| Q2 24 | $31.2M | $35.5M | ||
| Q1 24 | $30.6M | $35.6M |
| Q4 25 | $6.7M | $-3.9M | ||
| Q3 25 | $7.1M | $517.0K | ||
| Q2 25 | $7.7M | $-2.1M | ||
| Q1 25 | $5.4M | $-899.0K | ||
| Q4 24 | $6.0M | $135.0K | ||
| Q3 24 | $5.4M | $390.0K | ||
| Q2 24 | $5.0M | $16.0K | ||
| Q1 24 | $3.4M | $-2.2M |
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 8.2% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 15.9% | ||
| Q1 24 | — | 8.1% |
| Q4 25 | 22.6% | -10.9% | ||
| Q3 25 | 24.5% | -6.1% | ||
| Q2 25 | 26.5% | -4.6% | ||
| Q1 25 | 20.0% | -0.4% | ||
| Q4 24 | 22.6% | 3.9% | ||
| Q3 24 | 19.9% | 4.8% | ||
| Q2 24 | 20.0% | 3.6% | ||
| Q1 24 | 13.1% | -3.9% |
| Q4 25 | 18.7% | -12.9% | ||
| Q3 25 | 19.6% | 1.8% | ||
| Q2 25 | 21.2% | -6.5% | ||
| Q1 25 | 16.5% | -3.0% | ||
| Q4 24 | 18.8% | 0.4% | ||
| Q3 24 | 16.1% | 1.1% | ||
| Q2 24 | 16.1% | 0.0% | ||
| Q1 24 | 11.1% | -6.2% |
| Q4 25 | $2.08 | $-0.17 | ||
| Q3 25 | $2.18 | $0.02 | ||
| Q2 25 | $2.37 | $-0.09 | ||
| Q1 25 | $1.66 | $-0.04 | ||
| Q4 24 | $1.85 | $0.00 | ||
| Q3 24 | $1.65 | $0.02 | ||
| Q2 24 | $1.50 | $0.00 | ||
| Q1 24 | $1.01 | $-0.10 |
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 | $17.8M |
| Total Assets | $2.8B | $107.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $261.8M | $17.8M | ||
| Q3 25 | $253.3M | $20.0M | ||
| Q2 25 | $240.3M | $18.7M | ||
| Q1 25 | $234.6M | $19.0M | ||
| Q4 24 | $226.4M | $19.6M | ||
| Q3 24 | $227.3M | $18.2M | ||
| Q2 24 | $218.5M | $19.0M | ||
| Q1 24 | $216.3M | $20.8M |
| Q4 25 | $2.8B | $107.8M | ||
| Q3 25 | $2.7B | $112.5M | ||
| Q2 25 | $2.7B | $105.8M | ||
| Q1 25 | $2.6B | $110.2M | ||
| Q4 24 | $2.6B | $119.4M | ||
| Q3 24 | $2.6B | $121.6M | ||
| Q2 24 | $2.5B | $124.2M | ||
| Q1 24 | $2.5B | $129.0M |
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 | $-1.1M |
| Free Cash FlowOCF − Capex | $22.2M | $-1.5M |
| FCF MarginFCF / Revenue | 61.8% | -5.0% |
| Capex IntensityCapex / Revenue | 6.5% | 1.3% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $-6.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-1.1M | ||
| Q3 25 | $23.4M | $-178.0K | ||
| Q2 25 | $-4.4M | $1.1M | ||
| Q1 25 | $3.2M | $-5.5M | ||
| Q4 24 | $36.8M | $2.3M | ||
| Q3 24 | $404.0K | $-4.8M | ||
| Q2 24 | $1.7M | $6.2M | ||
| Q1 24 | $895.0K | $-1.7M |
| Q4 25 | $22.2M | $-1.5M | ||
| Q3 25 | $22.7M | $-390.0K | ||
| Q2 25 | $-5.0M | $941.0K | ||
| Q1 25 | $2.9M | $-5.5M | ||
| Q4 24 | $33.3M | $1.9M | ||
| Q3 24 | $-1.6M | $-4.9M | ||
| Q2 24 | $1.2M | $6.0M | ||
| Q1 24 | $410.0K | $-2.0M |
| Q4 25 | 61.8% | -5.0% | ||
| Q3 25 | 63.0% | -1.4% | ||
| Q2 25 | -13.6% | 3.0% | ||
| Q1 25 | 9.0% | -18.8% | ||
| Q4 24 | 103.8% | 5.7% | ||
| Q3 24 | -4.9% | -13.8% | ||
| Q2 24 | 3.7% | 16.8% | ||
| Q1 24 | 1.3% | -5.7% |
| Q4 25 | 6.5% | 1.3% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.5% | ||
| Q1 25 | 0.8% | 0.0% | ||
| Q4 24 | 10.9% | 1.2% | ||
| Q3 24 | 6.1% | 0.4% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 1.6% | 0.9% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | -0.34× | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | 17.13× | ||
| Q3 24 | 0.07× | -12.21× | ||
| Q2 24 | 0.34× | 385.25× | ||
| 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% |
SYPR
| Sypris Electronics | $17.7M | 59% |
| Transferred At Point In Time | $12.5M | 41% |
