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Side-by-side financial comparison of C3.ai, Inc. (AI) and Northfield Bancorp, Inc. (NFBK). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $41.3M, roughly 1.8× Northfield Bancorp, Inc.). C3.ai, Inc. runs the higher net margin — -139.3% vs -1545.5%, a 1406.2% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs -20.3%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $-46.9M). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
Northfield Bancorp, Inc. is a regional bank holding company based in the United States, operating primarily across the U.S. Northeast region. It provides a full range of personal and commercial banking services including deposit accounts, mortgage loans, commercial lending, and wealth management solutions for retail consumers, small to medium-sized businesses and local community clients.
AI vs NFBK — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $41.3M |
| Net Profit | $-104.7M | $-27.4M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | -1263.3% |
| Net Margin | -139.3% | -1545.5% |
| Revenue YoY | -20.3% | 12.7% |
| Net Profit YoY | -58.7% | -343.6% |
| EPS (diluted) | $-0.75 | $-0.68 |
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 | $75.1M | $41.3M | ||
| Q3 25 | $70.3M | $39.2M | ||
| Q2 25 | $108.7M | $38.9M | ||
| Q1 25 | $98.8M | $34.8M | ||
| Q4 24 | $94.3M | $36.7M | ||
| Q3 24 | $87.2M | $31.8M | ||
| Q2 24 | $86.6M | $31.5M | ||
| Q1 24 | $78.4M | $31.3M |
| Q4 25 | $-104.7M | $-27.4M | ||
| Q3 25 | $-116.8M | $10.8M | ||
| Q2 25 | $-79.7M | $9.6M | ||
| Q1 25 | $-80.2M | $7.9M | ||
| Q4 24 | $-66.0M | $11.3M | ||
| Q3 24 | $-62.8M | $6.5M | ||
| Q2 24 | $-72.9M | $6.0M | ||
| Q1 24 | $-72.6M | $6.2M |
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | 57.8% | — |
| Q4 25 | -149.2% | -1263.3% | ||
| Q3 25 | -177.7% | 37.7% | ||
| Q2 25 | -81.8% | 35.6% | ||
| Q1 25 | -88.7% | 31.0% | ||
| Q4 24 | -79.8% | 38.0% | ||
| Q3 24 | -83.2% | 27.9% | ||
| Q2 24 | -95.1% | 29.1% | ||
| Q1 24 | -105.3% | 27.2% |
| Q4 25 | -139.3% | -1545.5% | ||
| Q3 25 | -166.2% | 27.4% | ||
| Q2 25 | -73.3% | 24.6% | ||
| Q1 25 | -81.2% | 22.6% | ||
| Q4 24 | -69.9% | 30.7% | ||
| Q3 24 | -72.0% | 20.5% | ||
| Q2 24 | -84.2% | 18.9% | ||
| Q1 24 | -92.6% | 19.9% |
| Q4 25 | $-0.75 | $-0.68 | ||
| Q3 25 | $-0.86 | $0.27 | ||
| Q2 25 | $-0.60 | $0.24 | ||
| Q1 25 | $-0.62 | $0.19 | ||
| Q4 24 | $-0.52 | $0.27 | ||
| Q3 24 | $-0.50 | $0.16 | ||
| Q2 24 | $-0.59 | $0.14 | ||
| Q1 24 | $-0.60 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | $164.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $690.1M |
| Total Assets | $961.3M | $5.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $675.0M | $164.0M | ||
| Q3 25 | $711.9M | $131.7M | ||
| Q2 25 | $742.7M | $97.6M | ||
| Q1 25 | $724.3M | $101.7M | ||
| Q4 24 | $730.4M | $167.7M | ||
| Q3 24 | $762.5M | $232.9M | ||
| Q2 24 | $750.4M | $153.5M | ||
| Q1 24 | $723.3M | $238.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $666.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $771.9M | $690.1M | ||
| Q3 25 | $798.8M | $719.6M | ||
| Q2 25 | $838.3M | $710.3M | ||
| Q1 25 | $860.2M | $711.1M | ||
| Q4 24 | $859.0M | $704.7M | ||
| Q3 24 | $874.9M | $699.6M | ||
| Q2 24 | $873.4M | $693.0M | ||
| Q1 24 | $898.0M | $698.4M |
| Q4 25 | $961.3M | $5.8B | ||
| Q3 25 | $968.7M | $5.7B | ||
| Q2 25 | $1.0B | $5.7B | ||
| Q1 25 | $1.1B | $5.7B | ||
| Q4 24 | $1.0B | $5.7B | ||
| Q3 24 | $1.1B | $5.7B | ||
| Q2 24 | $1.0B | $5.7B | ||
| Q1 24 | $1.1B | $5.9B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.95× | ||
| 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 | $-46.5M | $53.7M |
| Free Cash FlowOCF − Capex | $-46.9M | $52.5M |
| FCF MarginFCF / Revenue | -62.4% | 127.1% |
| Capex IntensityCapex / Revenue | 0.5% | 2.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | $89.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-46.5M | $53.7M | ||
| Q3 25 | $-33.5M | $13.9M | ||
| Q2 25 | $11.3M | $14.1M | ||
| Q1 25 | $-22.0M | $9.4M | ||
| Q4 24 | $-38.7M | $31.1M | ||
| Q3 24 | $8.0M | $14.0M | ||
| Q2 24 | $21.3M | $6.9M | ||
| Q1 24 | $-39.1M | $4.2M |
| Q4 25 | $-46.9M | $52.5M | ||
| Q3 25 | $-34.3M | $13.6M | ||
| Q2 25 | $10.3M | $13.9M | ||
| Q1 25 | $-22.4M | $9.2M | ||
| Q4 24 | $-39.5M | $30.0M | ||
| Q3 24 | $7.1M | $13.7M | ||
| Q2 24 | $18.8M | $6.7M | ||
| Q1 24 | $-45.1M | $3.8M |
| Q4 25 | -62.4% | 127.1% | ||
| Q3 25 | -48.8% | 34.6% | ||
| Q2 25 | 9.5% | 35.7% | ||
| Q1 25 | -22.7% | 26.3% | ||
| Q4 24 | -41.9% | 81.6% | ||
| Q3 24 | 8.2% | 43.2% | ||
| Q2 24 | 21.7% | 21.1% | ||
| Q1 24 | -57.6% | 12.1% |
| Q4 25 | 0.5% | 2.8% | ||
| Q3 25 | 1.1% | 0.8% | ||
| Q2 25 | 0.9% | 0.6% | ||
| Q1 25 | 0.4% | 0.7% | ||
| Q4 24 | 0.9% | 3.1% | ||
| Q3 24 | 1.1% | 0.7% | ||
| Q2 24 | 2.9% | 0.8% | ||
| Q1 24 | 7.8% | 1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.29× | ||
| Q2 25 | — | 1.48× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 2.76× | ||
| Q3 24 | — | 2.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
NFBK
Segment breakdown not available.
