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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and UNITY BANCORP INC (UNTY). 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 $35.3M, roughly 1.0× UNITY BANCORP INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs 18.7%, a 25.2% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 12.0%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $22.2M). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% 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.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
CFFI vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $35.3M |
| Net Profit | $6.7M | $15.5M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 55.8% |
| Net Margin | 18.7% | 43.9% |
| Revenue YoY | 12.0% | 24.2% |
| Net Profit YoY | 11.0% | 34.5% |
| EPS (diluted) | $2.08 | $1.52 |
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 | $35.3M | ||
| Q3 25 | $36.0M | $32.8M | ||
| Q2 25 | $36.4M | $34.4M | ||
| Q1 25 | $32.6M | $29.4M | ||
| Q4 24 | $32.0M | $28.4M | ||
| Q3 24 | $33.5M | $27.7M | ||
| Q2 24 | $31.2M | $25.5M | ||
| Q1 24 | $30.6M | $25.6M |
| Q4 25 | $6.7M | $15.5M | ||
| Q3 25 | $7.1M | $14.4M | ||
| Q2 25 | $7.7M | $16.5M | ||
| Q1 25 | $5.4M | $11.6M | ||
| Q4 24 | $6.0M | $11.5M | ||
| Q3 24 | $5.4M | $10.9M | ||
| Q2 24 | $5.0M | $9.5M | ||
| Q1 24 | $3.4M | $9.6M |
| Q4 25 | 22.6% | 55.8% | ||
| Q3 25 | 24.5% | 57.5% | ||
| Q2 25 | 26.5% | 62.6% | ||
| Q1 25 | 20.0% | 52.6% | ||
| Q4 24 | 22.6% | 51.0% | ||
| Q3 24 | 19.9% | 52.7% | ||
| Q2 24 | 20.0% | 49.3% | ||
| Q1 24 | 13.1% | 50.0% |
| Q4 25 | 18.7% | 43.9% | ||
| Q3 25 | 19.6% | 43.8% | ||
| Q2 25 | 21.2% | 48.0% | ||
| Q1 25 | 16.5% | 39.5% | ||
| Q4 24 | 18.8% | 40.5% | ||
| Q3 24 | 16.1% | 39.4% | ||
| Q2 24 | 16.1% | 37.1% | ||
| Q1 24 | 11.1% | 37.5% |
| Q4 25 | $2.08 | $1.52 | ||
| Q3 25 | $2.18 | $1.41 | ||
| Q2 25 | $2.37 | $1.61 | ||
| Q1 25 | $1.66 | $1.13 | ||
| Q4 24 | $1.85 | $1.13 | ||
| Q3 24 | $1.65 | $1.07 | ||
| Q2 24 | $1.50 | $0.92 | ||
| Q1 24 | $1.01 | $0.94 |
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 | $345.6M |
| Total Assets | $2.8B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $345.6M | ||
| Q3 25 | $253.3M | $334.0M | ||
| Q2 25 | $240.3M | $319.8M | ||
| Q1 25 | $234.6M | $306.1M | ||
| Q4 24 | $226.4M | $295.6M | ||
| Q3 24 | $227.3M | $284.3M | ||
| Q2 24 | $218.5M | $273.4M | ||
| Q1 24 | $216.3M | $266.8M |
| Q4 25 | $2.8B | $3.0B | ||
| Q3 25 | $2.7B | $2.9B | ||
| Q2 25 | $2.7B | $2.9B | ||
| Q1 25 | $2.6B | $2.8B | ||
| Q4 24 | $2.6B | $2.7B | ||
| Q3 24 | $2.6B | $2.6B | ||
| Q2 24 | $2.5B | $2.6B | ||
| Q1 24 | $2.5B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $44.9M |
| Free Cash FlowOCF − Capex | $22.2M | $44.3M |
| FCF MarginFCF / Revenue | 61.8% | 125.7% |
| Capex IntensityCapex / Revenue | 6.5% | 1.6% |
| Cash ConversionOCF / Net Profit | 3.65× | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $44.9M | ||
| Q3 25 | $23.4M | $45.5M | ||
| Q2 25 | $-4.4M | $-25.3M | ||
| Q1 25 | $3.2M | $17.9M | ||
| Q4 24 | $36.8M | $48.0M | ||
| Q3 24 | $404.0K | $17.7M | ||
| Q2 24 | $1.7M | $-8.4M | ||
| Q1 24 | $895.0K | $15.8M |
| Q4 25 | $22.2M | $44.3M | ||
| Q3 25 | $22.7M | $45.3M | ||
| Q2 25 | $-5.0M | $-25.5M | ||
| Q1 25 | $2.9M | $17.6M | ||
| Q4 24 | $33.3M | $47.3M | ||
| Q3 24 | $-1.6M | $17.5M | ||
| Q2 24 | $1.2M | $-8.6M | ||
| Q1 24 | $410.0K | $15.7M |
| Q4 25 | 61.8% | 125.7% | ||
| Q3 25 | 63.0% | 138.1% | ||
| Q2 25 | -13.6% | -74.2% | ||
| Q1 25 | 9.0% | 59.9% | ||
| Q4 24 | 103.8% | 166.5% | ||
| Q3 24 | -4.9% | 63.3% | ||
| Q2 24 | 3.7% | -33.7% | ||
| Q1 24 | 1.3% | 61.4% |
| Q4 25 | 6.5% | 1.6% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.5% | ||
| Q1 25 | 0.8% | 1.0% | ||
| Q4 24 | 10.9% | 2.4% | ||
| Q3 24 | 6.1% | 0.5% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 1.6% | 0.3% |
| Q4 25 | 3.65× | 2.90× | ||
| Q3 25 | 3.31× | 3.16× | ||
| Q2 25 | -0.57× | -1.54× | ||
| Q1 25 | 0.60× | 1.54× | ||
| Q4 24 | 6.09× | 4.17× | ||
| Q3 24 | 0.07× | 1.62× | ||
| Q2 24 | 0.34× | -0.89× | ||
| Q1 24 | 0.26× | 1.64× |
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% |
UNTY
Segment breakdown not available.
