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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) and YORK WATER CO (YORW). 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 $19.4M, roughly 1.9× YORK WATER CO). YORK WATER CO runs the higher net margin — 26.7% vs 18.7%, a 8.0% gap on every dollar of revenue. On growth, C & F FINANCIAL CORP posted the faster year-over-year revenue change (12.0% vs 3.2%). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
CFFI vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $19.4M |
| Net Profit | $6.7M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 33.2% |
| Net Margin | 18.7% | 26.7% |
| Revenue YoY | 12.0% | 3.2% |
| Net Profit YoY | 11.0% | 0.5% |
| EPS (diluted) | $2.08 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $36.0M | $20.2M | ||
| Q2 25 | $36.4M | $19.1M | ||
| Q1 25 | $32.6M | $18.3M | ||
| Q4 24 | $32.0M | $18.8M | ||
| Q3 24 | $33.5M | $19.6M | ||
| Q2 24 | $31.2M | $18.6M | ||
| Q1 24 | $30.6M | $17.5M |
| Q4 25 | $6.7M | $5.2M | ||
| Q3 25 | $7.1M | $6.2M | ||
| Q2 25 | $7.7M | $5.1M | ||
| Q1 25 | $5.4M | $3.6M | ||
| Q4 24 | $6.0M | $5.1M | ||
| Q3 24 | $5.4M | $5.9M | ||
| Q2 24 | $5.0M | $5.0M | ||
| Q1 24 | $3.4M | $4.3M |
| Q4 25 | 22.6% | 33.2% | ||
| Q3 25 | 24.5% | 39.1% | ||
| Q2 25 | 26.5% | 37.1% | ||
| Q1 25 | 20.0% | 34.3% | ||
| Q4 24 | 22.6% | 35.8% | ||
| Q3 24 | 19.9% | 41.1% | ||
| Q2 24 | 20.0% | 37.9% | ||
| Q1 24 | 13.1% | 35.5% |
| Q4 25 | 18.7% | 26.7% | ||
| Q3 25 | 19.6% | 30.6% | ||
| Q2 25 | 21.2% | 26.5% | ||
| Q1 25 | 16.5% | 19.8% | ||
| Q4 24 | 18.8% | 27.4% | ||
| Q3 24 | 16.1% | 29.9% | ||
| Q2 24 | 16.1% | 26.8% | ||
| Q1 24 | 11.1% | 24.7% |
| Q4 25 | $2.08 | $0.36 | ||
| Q3 25 | $2.18 | $0.43 | ||
| Q2 25 | $2.37 | $0.35 | ||
| Q1 25 | $1.66 | $0.25 | ||
| Q4 24 | $1.85 | $0.36 | ||
| Q3 24 | $1.65 | $0.41 | ||
| Q2 24 | $1.50 | $0.35 | ||
| Q1 24 | $1.01 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $261.8M | $240.3M |
| Total Assets | $2.8B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0K | ||
| Q3 25 | — | $1.0K | ||
| Q2 25 | — | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| Q4 25 | $261.8M | $240.3M | ||
| Q3 25 | $253.3M | $238.0M | ||
| Q2 25 | $240.3M | $234.6M | ||
| Q1 25 | $234.6M | $232.1M | ||
| Q4 24 | $226.4M | $231.2M | ||
| Q3 24 | $227.3M | $228.7M | ||
| Q2 24 | $218.5M | $225.4M | ||
| Q1 24 | $216.3M | $222.9M |
| Q4 25 | $2.8B | $680.9M | ||
| Q3 25 | $2.7B | $667.1M | ||
| Q2 25 | $2.7B | $653.7M | ||
| Q1 25 | $2.6B | $641.8M | ||
| Q4 24 | $2.6B | $633.5M | ||
| Q3 24 | $2.6B | $621.4M | ||
| Q2 24 | $2.5B | $610.4M | ||
| Q1 24 | $2.5B | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $22.2M | — |
| FCF MarginFCF / Revenue | 61.8% | — |
| Capex IntensityCapex / Revenue | 6.5% | — |
| Cash ConversionOCF / Net Profit | 3.65× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $8.4M | ||
| Q3 25 | $23.4M | $7.8M | ||
| Q2 25 | $-4.4M | $7.6M | ||
| Q1 25 | $3.2M | $6.0M | ||
| Q4 24 | $36.8M | $10.2M | ||
| Q3 24 | $404.0K | $7.5M | ||
| Q2 24 | $1.7M | $6.7M | ||
| Q1 24 | $895.0K | $6.1M |
| 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× | 1.63× | ||
| Q3 25 | 3.31× | 1.26× | ||
| Q2 25 | -0.57× | 1.50× | ||
| Q1 25 | 0.60× | 1.65× | ||
| Q4 24 | 6.09× | 1.98× | ||
| Q3 24 | 0.07× | 1.29× | ||
| Q2 24 | 0.34× | 1.34× | ||
| Q1 24 | 0.26× | 1.42× |
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% |
YORW
Segment breakdown not available.
