vs
Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Clearfield, Inc. (CLFD). Click either name above to swap in a different company.
Clearfield, Inc. is the larger business by last-quarter revenue ($34.3M vs $26.8M, roughly 1.3× Avidia Bancorp, Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -1.8%, a 24.7% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $-2.4M).
Avidia Bank is an American mutual community bank headquartered in Hudson, Massachusetts. It was founded in 2007 when it was formed by a merger between Hudson Savings Bank and Westborough Bank.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
AVBC vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $34.3M |
| Net Profit | $5.3M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | 33.3% | -5.3% |
| Net Margin | 22.9% | -1.8% |
| Revenue YoY | — | -3.2% |
| Net Profit YoY | — | 67.8% |
| EPS (diluted) | — | $-0.04 |
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 | $26.8M | $34.3M | ||
| Q3 25 | $28.0M | $23.4M | ||
| Q2 25 | $25.9M | $49.9M | ||
| Q1 25 | $22.9M | $47.2M | ||
| Q4 24 | — | $29.7M | ||
| Q3 24 | — | $5.6M | ||
| Q2 24 | — | $48.8M | ||
| Q1 24 | — | $36.9M |
| Q4 25 | $5.3M | $-614.0K | ||
| Q3 25 | $-907.0K | $-9.1M | ||
| Q2 25 | $3.9M | $1.6M | ||
| Q1 25 | $-11.6M | $1.3M | ||
| Q4 24 | — | $-1.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-447.0K | ||
| Q1 24 | — | $-5.9M |
| Q4 25 | — | 33.2% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.9% | ||
| Q1 24 | — | 7.7% |
| Q4 25 | 33.3% | -5.3% | ||
| Q3 25 | -7.0% | 10.3% | ||
| Q2 25 | 19.4% | 3.0% | ||
| Q1 25 | -72.0% | 0.6% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -4.7% | ||
| Q1 24 | — | -26.4% |
| Q4 25 | 22.9% | -1.8% | ||
| Q3 25 | -3.2% | -38.8% | ||
| Q2 25 | 15.0% | 3.2% | ||
| Q1 25 | -50.5% | 2.8% | ||
| Q4 24 | — | -6.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -0.9% | ||
| Q1 24 | — | -16.0% |
| Q4 25 | — | $-0.04 | ||
| Q3 25 | $-0.05 | $-0.65 | ||
| Q2 25 | — | $0.11 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | — | $-0.13 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-0.04 | ||
| Q1 24 | — | $-0.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $275.0M | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $249.7M |
| Total Assets | $2.8B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $96.4M | ||
| Q3 25 | $208.3M | $106.0M | ||
| Q2 25 | $592.5M | $117.2M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $113.0M | ||
| Q3 24 | — | $129.0M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $142.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
| Q4 25 | $379.0M | $249.7M | ||
| Q3 25 | $372.0M | $256.2M | ||
| Q2 25 | $191.4M | $264.5M | ||
| Q1 25 | $186.1M | $265.9M | ||
| Q4 24 | — | $267.4M | ||
| Q3 24 | — | $275.8M | ||
| Q2 24 | — | $274.6M | ||
| Q1 24 | — | $279.2M |
| Q4 25 | $2.8B | $268.1M | ||
| Q3 25 | $2.8B | $306.2M | ||
| Q2 25 | $3.0B | $314.7M | ||
| Q1 25 | $2.7B | $310.9M | ||
| Q4 24 | — | $303.2M | ||
| Q3 24 | — | $315.3M | ||
| Q2 24 | — | $318.1M | ||
| Q1 24 | — | $315.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| 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 | $28.4M | $-1.4M |
| Free Cash FlowOCF − Capex | $24.1M | $-2.4M |
| FCF MarginFCF / Revenue | 89.9% | -7.1% |
| Capex IntensityCapex / Revenue | 16.0% | 2.9% |
| Cash ConversionOCF / Net Profit | 5.32× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $-1.4M | ||
| Q3 25 | $24.1M | — | ||
| Q2 25 | $-2.3M | $7.9M | ||
| Q1 25 | $-2.2M | $3.0M | ||
| Q4 24 | — | $7.2M | ||
| Q3 24 | — | $22.2M | ||
| Q2 24 | — | $4.0M | ||
| Q1 24 | — | $-5.7M |
| Q4 25 | $24.1M | $-2.4M | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | $7.5M | ||
| Q1 25 | $-3.9M | $654.0K | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $18.2M | ||
| Q2 24 | — | $2.8M | ||
| Q1 24 | — | $-7.7M |
| Q4 25 | 89.9% | -7.1% | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | -12.8% | 15.1% | ||
| Q1 25 | -16.9% | 1.4% | ||
| Q4 24 | — | 17.1% | ||
| Q3 24 | — | 323.0% | ||
| Q2 24 | — | 5.8% | ||
| Q1 24 | — | -20.8% |
| Q4 25 | 16.0% | 2.9% | ||
| Q3 25 | 3.1% | 2.0% | ||
| Q2 25 | 3.7% | 0.8% | ||
| Q1 25 | 7.2% | 5.1% | ||
| Q4 24 | — | 7.0% | ||
| Q3 24 | — | 71.4% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 5.3% |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | 4.93× | ||
| Q1 25 | — | 2.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
