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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and Vitesse Energy, Inc. (VTS). Click either name above to swap in a different company.
Vitesse Energy, Inc. is the larger business by last-quarter revenue ($58.6M vs $35.9M, roughly 1.6× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -1.3%, a 19.9% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 4.8%). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs -2.1%).
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.
Vitesse Energy, Inc. is a U.S.-headquartered independent energy company focused on exploration, development, and production of oil and natural gas assets. It operates primarily in high-potential onshore basins including North Dakota's Williston Basin, serving domestic and global upstream energy market demand.
CFFI vs VTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $58.6M |
| Net Profit | $6.7M | $-739.0K |
| Gross Margin | — | — |
| Operating Margin | 22.6% | -12.0% |
| Net Margin | 18.7% | -1.3% |
| Revenue YoY | 12.0% | 4.8% |
| Net Profit YoY | 11.0% | 85.6% |
| EPS (diluted) | $2.08 | $-0.01 |
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 | $58.6M | ||
| Q3 25 | $36.0M | $67.4M | ||
| Q2 25 | $36.4M | $81.8M | ||
| Q1 25 | $32.6M | $66.2M | ||
| Q4 24 | $32.0M | $55.9M | ||
| Q3 24 | $33.5M | $58.3M | ||
| Q2 24 | $31.2M | $66.6M | ||
| Q1 24 | $30.6M | $61.2M |
| Q4 25 | $6.7M | $-739.0K | ||
| Q3 25 | $7.1M | $-1.3M | ||
| Q2 25 | $7.7M | $24.7M | ||
| Q1 25 | $5.4M | $2.7M | ||
| Q4 24 | $6.0M | $-5.1M | ||
| Q3 24 | $5.4M | $17.4M | ||
| Q2 24 | $5.0M | $10.9M | ||
| Q1 24 | $3.4M | $-2.2M |
| Q4 25 | 22.6% | -12.0% | ||
| Q3 25 | 24.5% | 0.2% | ||
| Q2 25 | 26.5% | 22.8% | ||
| Q1 25 | 20.0% | 8.1% | ||
| Q4 24 | 22.6% | 3.7% | ||
| Q3 24 | 19.9% | 15.4% | ||
| Q2 24 | 20.0% | 25.2% | ||
| Q1 24 | 13.1% | 21.4% |
| Q4 25 | 18.7% | -1.3% | ||
| Q3 25 | 19.6% | -1.9% | ||
| Q2 25 | 21.2% | 30.2% | ||
| Q1 25 | 16.5% | 4.0% | ||
| Q4 24 | 18.8% | -9.2% | ||
| Q3 24 | 16.1% | 29.9% | ||
| Q2 24 | 16.1% | 16.4% | ||
| Q1 24 | 11.1% | -3.6% |
| Q4 25 | $2.08 | $-0.01 | ||
| Q3 25 | $2.18 | $-0.03 | ||
| Q2 25 | $2.37 | $0.60 | ||
| Q1 25 | $1.66 | $0.08 | ||
| Q4 24 | $1.85 | $-0.15 | ||
| Q3 24 | $1.65 | $0.53 | ||
| Q2 24 | $1.50 | $0.33 | ||
| Q1 24 | $1.01 | $-0.07 |
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 | $629.3M |
| Total Assets | $2.8B | $893.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $4.5M | ||
| Q4 24 | — | $3.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $629.3M | ||
| Q3 25 | $253.3M | $650.3M | ||
| Q2 25 | $240.3M | $671.9M | ||
| Q1 25 | $234.6M | $667.7M | ||
| Q4 24 | $226.4M | $500.3M | ||
| Q3 24 | $227.3M | $520.4M | ||
| Q2 24 | $218.5M | $518.5M | ||
| Q1 24 | $216.3M | $522.7M |
| Q4 25 | $2.8B | $893.4M | ||
| Q3 25 | $2.7B | $932.9M | ||
| Q2 25 | $2.7B | $951.5M | ||
| Q1 25 | $2.6B | $975.2M | ||
| Q4 24 | $2.6B | $810.9M | ||
| Q3 24 | $2.6B | $791.2M | ||
| Q2 24 | $2.5B | $778.4M | ||
| Q1 24 | $2.5B | $749.7M |
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 | $37.4M |
| 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 | $37.4M | ||
| Q3 25 | $23.4M | $49.4M | ||
| Q2 25 | $-4.4M | $66.0M | ||
| Q1 25 | $3.2M | $17.5M | ||
| Q4 24 | $36.8M | $34.7M | ||
| Q3 24 | $404.0K | $45.7M | ||
| Q2 24 | $1.7M | $35.2M | ||
| Q1 24 | $895.0K | $39.4M |
| 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× | 2.68× | ||
| Q1 25 | 0.60× | 6.56× | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | 2.62× | ||
| Q2 24 | 0.34× | 3.22× | ||
| 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% |
VTS
| Oil Reserves | $54.5M | 93% |
| Natural Gas Reserves | $4.2M | 7% |
