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Side-by-side financial comparison of BayCom Corp (BCML) 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 $25.9M, roughly 1.3× BayCom Corp). BayCom Corp runs the higher net margin — 26.5% vs -1.8%, a 28.3% gap on every dollar of revenue. On growth, BayCom Corp posted the faster year-over-year revenue change (9.4% vs -3.2%). BayCom Corp produced more free cash flow last quarter ($30.1M vs $-2.4M). Over the past eight quarters, BayCom Corp's revenue compounded faster (2.9% CAGR vs -3.5%).
BayCom Corp is a U.S.-headquartered bank holding company operating through its wholly owned subsidiary Bay Commercial Bank. It primarily serves small and medium-sized enterprises and retail customers across Northern California, offering commercial lending, deposit products, personal banking services, and localized wealth management solutions.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
BCML vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $25.9M | $34.3M |
| Net Profit | $6.9M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | 36.6% | -5.3% |
| Net Margin | 26.5% | -1.8% |
| Revenue YoY | 9.4% | -3.2% |
| Net Profit YoY | 12.1% | 67.8% |
| EPS (diluted) | $0.63 | $-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 | $25.9M | $34.3M | ||
| Q3 25 | $25.7M | $23.4M | ||
| Q2 25 | $24.7M | $49.9M | ||
| Q1 25 | $24.3M | $47.2M | ||
| Q4 24 | $23.7M | $29.7M | ||
| Q3 24 | $25.6M | $5.6M | ||
| Q2 24 | $23.8M | $48.8M | ||
| Q1 24 | $24.5M | $36.9M |
| Q4 25 | $6.9M | $-614.0K | ||
| Q3 25 | $5.0M | $-9.1M | ||
| Q2 25 | $6.4M | $1.6M | ||
| Q1 25 | $5.7M | $1.3M | ||
| Q4 24 | $6.1M | $-1.9M | ||
| Q3 24 | $6.0M | — | ||
| Q2 24 | $5.6M | $-447.0K | ||
| Q1 24 | $5.9M | $-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 | 36.6% | -5.3% | ||
| Q3 25 | 26.3% | 10.3% | ||
| Q2 25 | 35.3% | 3.0% | ||
| Q1 25 | 31.6% | 0.6% | ||
| Q4 24 | 34.2% | -6.9% | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 31.9% | -4.7% | ||
| Q1 24 | 33.3% | -26.4% |
| Q4 25 | 26.5% | -1.8% | ||
| Q3 25 | 19.5% | -38.8% | ||
| Q2 25 | 25.8% | 3.2% | ||
| Q1 25 | 23.4% | 2.8% | ||
| Q4 24 | 25.9% | -6.4% | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 23.6% | -0.9% | ||
| Q1 24 | 24.0% | -16.0% |
| Q4 25 | $0.63 | $-0.04 | ||
| Q3 25 | $0.46 | $-0.65 | ||
| Q2 25 | $0.58 | $0.11 | ||
| Q1 25 | $0.51 | $0.09 | ||
| Q4 24 | $0.55 | $-0.13 | ||
| Q3 24 | $0.54 | — | ||
| Q2 24 | $0.50 | $-0.04 | ||
| Q1 24 | $0.51 | $-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 | — | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.6M | $249.7M |
| Total Assets | $2.6B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $106.0M | ||
| Q2 25 | — | $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 | $338.6M | $249.7M | ||
| Q3 25 | $334.3M | $256.2M | ||
| Q2 25 | $330.6M | $264.5M | ||
| Q1 25 | $329.3M | $265.9M | ||
| Q4 24 | $324.4M | $267.4M | ||
| Q3 24 | $321.7M | $275.8M | ||
| Q2 24 | $315.3M | $274.6M | ||
| Q1 24 | $314.2M | $279.2M |
| Q4 25 | $2.6B | $268.1M | ||
| Q3 25 | $2.6B | $306.2M | ||
| Q2 25 | $2.6B | $314.7M | ||
| Q1 25 | $2.6B | $310.9M | ||
| Q4 24 | $2.7B | $303.2M | ||
| Q3 24 | $2.6B | $315.3M | ||
| Q2 24 | $2.6B | $318.1M | ||
| Q1 24 | $2.6B | $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 | $31.8M | $-1.4M |
| Free Cash FlowOCF − Capex | $30.1M | $-2.4M |
| FCF MarginFCF / Revenue | 116.2% | -7.1% |
| Capex IntensityCapex / Revenue | 6.7% | 2.9% |
| Cash ConversionOCF / Net Profit | 4.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $51.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $-1.4M | ||
| Q3 25 | $7.3M | — | ||
| Q2 25 | $6.4M | $7.9M | ||
| Q1 25 | $9.3M | $3.0M | ||
| Q4 24 | $30.4M | $7.2M | ||
| Q3 24 | $9.6M | $22.2M | ||
| Q2 24 | $7.7M | $4.0M | ||
| Q1 24 | $5.1M | $-5.7M |
| Q4 25 | $30.1M | $-2.4M | ||
| Q3 25 | $6.2M | — | ||
| Q2 25 | $5.6M | $7.5M | ||
| Q1 25 | $9.1M | $654.0K | ||
| Q4 24 | $28.7M | $5.1M | ||
| Q3 24 | $9.4M | $18.2M | ||
| Q2 24 | $7.4M | $2.8M | ||
| Q1 24 | $3.9M | $-7.7M |
| Q4 25 | 116.2% | -7.1% | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 22.8% | 15.1% | ||
| Q1 25 | 37.6% | 1.4% | ||
| Q4 24 | 121.1% | 17.1% | ||
| Q3 24 | 36.6% | 323.0% | ||
| Q2 24 | 31.2% | 5.8% | ||
| Q1 24 | 16.1% | -20.8% |
| Q4 25 | 6.7% | 2.9% | ||
| Q3 25 | 4.3% | 2.0% | ||
| Q2 25 | 3.0% | 0.8% | ||
| Q1 25 | 0.6% | 5.1% | ||
| Q4 24 | 7.2% | 7.0% | ||
| Q3 24 | 1.0% | 71.4% | ||
| Q2 24 | 1.0% | 2.5% | ||
| Q1 24 | 4.7% | 5.3% |
| Q4 25 | 4.64× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 1.00× | 4.93× | ||
| Q1 25 | 1.63× | 2.30× | ||
| Q4 24 | 4.96× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 0.86× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
