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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and WIDEPOINT CORP (WYY). Click either name above to swap in a different company.
WIDEPOINT CORP is the larger business by last-quarter revenue ($42.3M vs $35.9M, roughly 1.2× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs -2.0%, a 20.7% gap on every dollar of revenue. On growth, WIDEPOINT CORP posted the faster year-over-year revenue change (12.3% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $-270.0K). Over the past eight quarters, WIDEPOINT CORP's revenue compounded faster (11.2% 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.
WidePoint Corporation is an American company based in Fairfax, Virginia that provides technology-based products and services to the government sector and commercial markets in the United States. The company holds a patent for a digital parsing tool that allows users to access accounts through a secure repository gateway, established using asymmetric authentication employed as public key infrastructure (PKI). WidePoint provides smart card identity verification, wireless expense management, pen...
CFFI vs WYY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $42.3M |
| Net Profit | $6.7M | $-849.4K |
| Gross Margin | — | 13.8% |
| Operating Margin | 22.6% | -1.9% |
| Net Margin | 18.7% | -2.0% |
| Revenue YoY | 12.0% | 12.3% |
| Net Profit YoY | 11.0% | -138.3% |
| EPS (diluted) | $2.08 | $-0.08 |
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 | $42.3M | ||
| Q3 25 | $36.0M | $36.1M | ||
| Q2 25 | $36.4M | $37.9M | ||
| Q1 25 | $32.6M | $34.2M | ||
| Q4 24 | $32.0M | $37.7M | ||
| Q3 24 | $33.5M | $34.6M | ||
| Q2 24 | $31.2M | $36.0M | ||
| Q1 24 | $30.6M | $34.2M |
| Q4 25 | $6.7M | $-849.4K | ||
| Q3 25 | $7.1M | $-559.2K | ||
| Q2 25 | $7.7M | $-618.5K | ||
| Q1 25 | $5.4M | $-724.1K | ||
| Q4 24 | $6.0M | $-356.4K | ||
| Q3 24 | $5.4M | $-425.2K | ||
| Q2 24 | $5.0M | $-499.6K | ||
| Q1 24 | $3.4M | $-653.1K |
| Q4 25 | — | 13.8% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 13.5% | ||
| Q1 25 | — | 14.0% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 13.6% |
| Q4 25 | 22.6% | -1.9% | ||
| Q3 25 | 24.5% | -1.3% | ||
| Q2 25 | 26.5% | -1.9% | ||
| Q1 25 | 20.0% | -2.4% | ||
| Q4 24 | 22.6% | -0.8% | ||
| Q3 24 | 19.9% | -1.3% | ||
| Q2 24 | 20.0% | -1.3% | ||
| Q1 24 | 13.1% | -1.9% |
| Q4 25 | 18.7% | -2.0% | ||
| Q3 25 | 19.6% | -1.5% | ||
| Q2 25 | 21.2% | -1.6% | ||
| Q1 25 | 16.5% | -2.1% | ||
| Q4 24 | 18.8% | -0.9% | ||
| Q3 24 | 16.1% | -1.2% | ||
| Q2 24 | 16.1% | -1.4% | ||
| Q1 24 | 11.1% | -1.9% |
| Q4 25 | $2.08 | $-0.08 | ||
| Q3 25 | $2.18 | $-0.06 | ||
| Q2 25 | $2.37 | $-0.06 | ||
| Q1 25 | $1.66 | $-0.08 | ||
| Q4 24 | $1.85 | $-0.05 | ||
| Q3 24 | $1.65 | $-0.04 | ||
| Q2 24 | $1.50 | $-0.05 | ||
| 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 | — | $9.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $11.5M |
| Total Assets | $2.8B | $79.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $9.8M | ||
| Q3 25 | — | $12.1M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $3.7M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $261.8M | $11.5M | ||
| Q3 25 | $253.3M | $12.2M | ||
| Q2 25 | $240.3M | $12.6M | ||
| Q1 25 | $234.6M | $13.0M | ||
| Q4 24 | $226.4M | $13.6M | ||
| Q3 24 | $227.3M | $13.8M | ||
| Q2 24 | $218.5M | $14.0M | ||
| Q1 24 | $216.3M | $14.2M |
| Q4 25 | $2.8B | $79.8M | ||
| Q3 25 | $2.7B | $70.6M | ||
| Q2 25 | $2.7B | $76.6M | ||
| Q1 25 | $2.6B | $71.4M | ||
| Q4 24 | $2.6B | $71.6M | ||
| Q3 24 | $2.6B | $56.9M | ||
| Q2 24 | $2.5B | $58.6M | ||
| Q1 24 | $2.5B | $54.4M |
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 | $-173.5K |
| Free Cash FlowOCF − Capex | $22.2M | $-270.0K |
| FCF MarginFCF / Revenue | 61.8% | -0.6% |
| Capex IntensityCapex / Revenue | 6.5% | 0.2% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $5.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $-173.5K | ||
| Q3 25 | $23.4M | $5.9M | ||
| Q2 25 | $-4.4M | $3.2M | ||
| Q1 25 | $3.2M | $-3.2M | ||
| Q4 24 | $36.8M | $2.4M | ||
| Q3 24 | $404.0K | $1.9M | ||
| Q2 24 | $1.7M | $-1.1M | ||
| Q1 24 | $895.0K | $-1.6M |
| Q4 25 | $22.2M | $-270.0K | ||
| Q3 25 | $22.7M | $5.9M | ||
| Q2 25 | $-5.0M | $3.1M | ||
| Q1 25 | $2.9M | $-3.3M | ||
| Q4 24 | $33.3M | $2.4M | ||
| Q3 24 | $-1.6M | $1.8M | ||
| Q2 24 | $1.2M | $-1.1M | ||
| Q1 24 | $410.0K | $-1.6M |
| Q4 25 | 61.8% | -0.6% | ||
| Q3 25 | 63.0% | 16.4% | ||
| Q2 25 | -13.6% | 8.1% | ||
| Q1 25 | 9.0% | -9.5% | ||
| Q4 24 | 103.8% | 6.4% | ||
| Q3 24 | -4.9% | 5.3% | ||
| Q2 24 | 3.7% | -3.0% | ||
| Q1 24 | 1.3% | -4.6% |
| Q4 25 | 6.5% | 0.2% | ||
| Q3 25 | 2.1% | 0.1% | ||
| Q2 25 | 1.6% | 0.2% | ||
| Q1 25 | 0.8% | 0.1% | ||
| Q4 24 | 10.9% | 0.1% | ||
| Q3 24 | 6.1% | 0.2% | ||
| Q2 24 | 1.7% | 0.0% | ||
| Q1 24 | 1.6% | 0.0% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| 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% |
WYY
| Carrier Services | $26.8M | 63% |
| Managed Services | $15.5M | 37% |
