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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and WINMARK CORP (WINA). 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 $21.1M, roughly 1.7× WINMARK CORP). WINMARK CORP runs the higher net margin — 47.2% vs 18.7%, a 28.6% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 7.9%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $8.5M). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 2.4%).
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.
Winmark Corporation is an American franchisor of five retail businesses that specialize in buying and selling used goods. The company is based in Minneapolis, Minnesota. Winmark was founded in 1988 as Play It Again Sports Franchise Corporation by Ron Olson and Jeffrey Dahlberg after they purchased the Play It Again Sports franchise rights from Martha Morris. They renamed the company to Grow Biz International Inc. in June 1993. Grow Biz went public in August 1993. In 2000, John Morgan replaced...
CFFI vs WINA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $21.1M |
| Net Profit | $6.7M | $10.0M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 61.7% |
| Net Margin | 18.7% | 47.2% |
| Revenue YoY | 12.0% | 7.9% |
| Net Profit YoY | 11.0% | 3.9% |
| EPS (diluted) | $2.08 | $2.68 |
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 | $21.1M | ||
| Q3 25 | $36.0M | $22.6M | ||
| Q2 25 | $36.4M | $20.4M | ||
| Q1 25 | $32.6M | $21.9M | ||
| Q4 24 | $32.0M | $19.5M | ||
| Q3 24 | $33.5M | $21.5M | ||
| Q2 24 | $31.2M | $20.1M | ||
| Q1 24 | $30.6M | $20.1M |
| Q4 25 | $6.7M | $10.0M | ||
| Q3 25 | $7.1M | $11.1M | ||
| Q2 25 | $7.7M | $10.6M | ||
| Q1 25 | $5.4M | $10.0M | ||
| Q4 24 | $6.0M | $9.6M | ||
| Q3 24 | $5.4M | $11.1M | ||
| Q2 24 | $5.0M | $10.4M | ||
| Q1 24 | $3.4M | $8.8M |
| Q4 25 | 22.6% | 61.7% | ||
| Q3 25 | 24.5% | 65.9% | ||
| Q2 25 | 26.5% | 64.0% | ||
| Q1 25 | 20.0% | 62.0% | ||
| Q4 24 | 22.6% | 65.3% | ||
| Q3 24 | 19.9% | 69.4% | ||
| Q2 24 | 20.0% | 64.7% | ||
| Q1 24 | 13.1% | 60.8% |
| Q4 25 | 18.7% | 47.2% | ||
| Q3 25 | 19.6% | 49.2% | ||
| Q2 25 | 21.2% | 51.9% | ||
| Q1 25 | 16.5% | 45.4% | ||
| Q4 24 | 18.8% | 49.0% | ||
| Q3 24 | 16.1% | 51.7% | ||
| Q2 24 | 16.1% | 51.8% | ||
| Q1 24 | 11.1% | 43.9% |
| Q4 25 | $2.08 | $2.68 | ||
| Q3 25 | $2.18 | $3.02 | ||
| Q2 25 | $2.37 | $2.89 | ||
| Q1 25 | $1.66 | $2.71 | ||
| Q4 24 | $1.85 | $2.60 | ||
| Q3 24 | $1.65 | $3.03 | ||
| Q2 24 | $1.50 | $2.85 | ||
| Q1 24 | $1.01 | $2.41 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $-53.7M |
| Total Assets | $2.8B | $24.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.3M | ||
| Q3 25 | — | $39.7M | ||
| Q2 25 | — | $28.8M | ||
| Q1 25 | — | $21.8M | ||
| Q4 24 | — | $12.2M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $29.4M | ||
| Q1 24 | — | $22.9M |
| Q4 25 | $261.8M | $-53.7M | ||
| Q3 25 | $253.3M | $-26.3M | ||
| Q2 25 | $240.3M | $-36.8M | ||
| Q1 25 | $234.6M | $-45.9M | ||
| Q4 24 | $226.4M | $-51.0M | ||
| Q3 24 | $227.3M | $-33.7M | ||
| Q2 24 | $218.5M | $-42.2M | ||
| Q1 24 | $216.3M | $-52.6M |
| Q4 25 | $2.8B | $24.9M | ||
| Q3 25 | $2.7B | $53.7M | ||
| Q2 25 | $2.7B | $43.2M | ||
| Q1 25 | $2.6B | $37.1M | ||
| Q4 24 | $2.6B | $26.8M | ||
| Q3 24 | $2.6B | $52.0M | ||
| Q2 24 | $2.5B | $44.7M | ||
| Q1 24 | $2.5B | $38.3M |
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 | $8.5M |
| Free Cash FlowOCF − Capex | $22.2M | $8.5M |
| FCF MarginFCF / Revenue | 61.8% | 40.3% |
| Capex IntensityCapex / Revenue | 6.5% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.65× | 0.86× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $44.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $8.5M | ||
| Q3 25 | $23.4M | $12.3M | ||
| Q2 25 | $-4.4M | $9.0M | ||
| Q1 25 | $3.2M | $15.1M | ||
| Q4 24 | $36.8M | $8.5M | ||
| Q3 24 | $404.0K | $12.1M | ||
| Q2 24 | $1.7M | $8.2M | ||
| Q1 24 | $895.0K | $13.4M |
| Q4 25 | $22.2M | $8.5M | ||
| Q3 25 | $22.7M | $12.2M | ||
| Q2 25 | $-5.0M | $9.0M | ||
| Q1 25 | $2.9M | $15.0M | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | $12.1M | ||
| Q2 24 | $1.2M | $8.1M | ||
| Q1 24 | $410.0K | $13.3M |
| Q4 25 | 61.8% | 40.3% | ||
| Q3 25 | 63.0% | 53.8% | ||
| Q2 25 | -13.6% | 44.0% | ||
| Q1 25 | 9.0% | 68.6% | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | 56.3% | ||
| Q2 24 | 3.7% | 40.4% | ||
| Q1 24 | 1.3% | 66.0% |
| Q4 25 | 6.5% | 0.1% | ||
| Q3 25 | 2.1% | 0.3% | ||
| Q2 25 | 1.6% | 0.3% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 10.9% | 0.0% | ||
| Q3 24 | 6.1% | 0.0% | ||
| Q2 24 | 1.7% | 0.5% | ||
| Q1 24 | 1.6% | 0.4% |
| Q4 25 | 3.65× | 0.86× | ||
| Q3 25 | 3.31× | 1.10× | ||
| Q2 25 | -0.57× | 0.85× | ||
| Q1 25 | 0.60× | 1.51× | ||
| Q4 24 | 6.09× | 0.88× | ||
| Q3 24 | 0.07× | 1.09× | ||
| Q2 24 | 0.34× | 0.79× | ||
| Q1 24 | 0.26× | 1.52× |
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% |
WINA
Segment breakdown not available.
