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Side-by-side financial comparison of BLUE RIDGE BANKSHARES, INC. (BRBS) 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 $20.8M, roughly 1.7× BLUE RIDGE BANKSHARES, INC.). BLUE RIDGE BANKSHARES, INC. runs the higher net margin — 20.4% vs -1.8%, a 22.2% gap on every dollar of revenue. On growth, Clearfield, Inc. posted the faster year-over-year revenue change (-3.2% vs -5.2%). BLUE RIDGE BANKSHARES, INC. produced more free cash flow last quarter ($11.9M vs $-2.4M). Over the past eight quarters, Clearfield, Inc.'s revenue compounded faster (-3.5% CAGR vs -14.0%).
BLUE RIDGE BANKSHARES, INC.BRBSEarnings & Financial Report
Blue Ridge Bankshares, Inc. is a U.S.-based financial holding company operating through its banking subsidiary. It offers retail and commercial banking services including deposit accounts, loans, and wealth management solutions, serving individual consumers and small to mid-sized businesses across Virginia and North Carolina.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
BRBS vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $20.8M | $34.3M |
| Net Profit | $4.2M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | 25.9% | -5.3% |
| Net Margin | 20.4% | -1.8% |
| Revenue YoY | -5.2% | -3.2% |
| Net Profit YoY | 311.9% | 67.8% |
| EPS (diluted) | $0.05 | $-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 | $20.8M | $34.3M | ||
| Q3 25 | $25.7M | $23.4M | ||
| Q2 25 | $23.1M | $49.9M | ||
| Q1 25 | $22.1M | $47.2M | ||
| Q4 24 | $21.9M | $29.7M | ||
| Q3 24 | $21.8M | $5.6M | ||
| Q2 24 | $20.4M | $48.8M | ||
| Q1 24 | $28.1M | $36.9M |
| Q4 25 | $4.2M | $-614.0K | ||
| Q3 25 | $5.6M | $-9.1M | ||
| Q2 25 | $1.3M | $1.6M | ||
| Q1 25 | $-434.0K | $1.3M | ||
| Q4 24 | $-2.0M | $-1.9M | ||
| Q3 24 | $946.0K | — | ||
| Q2 24 | $-11.4M | $-447.0K | ||
| Q1 24 | $-2.9M | $-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 | 25.9% | -5.3% | ||
| Q3 25 | 29.1% | 10.3% | ||
| Q2 25 | 7.7% | 3.0% | ||
| Q1 25 | -4.0% | 0.6% | ||
| Q4 24 | -14.1% | -6.9% | ||
| Q3 24 | 7.1% | — | ||
| Q2 24 | -59.2% | -4.7% | ||
| Q1 24 | -11.7% | -26.4% |
| Q4 25 | 20.4% | -1.8% | ||
| Q3 25 | 21.8% | -38.8% | ||
| Q2 25 | 5.6% | 3.2% | ||
| Q1 25 | -2.0% | 2.8% | ||
| Q4 24 | -10.5% | -6.4% | ||
| Q3 24 | 4.3% | — | ||
| Q2 24 | -56.2% | -0.9% | ||
| Q1 24 | -10.3% | -16.0% |
| Q4 25 | $0.05 | $-0.04 | ||
| Q3 25 | $0.06 | $-0.65 | ||
| Q2 25 | $0.01 | $0.11 | ||
| Q1 25 | $-0.01 | $0.09 | ||
| Q4 24 | $0.30 | $-0.13 | ||
| Q3 24 | $0.01 | — | ||
| Q2 24 | $-0.47 | $-0.04 | ||
| Q1 24 | $-0.15 | $-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 | $323.7M | $249.7M |
| Total Assets | $2.4B | $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 | $323.7M | $249.7M | ||
| Q3 25 | $355.5M | $256.2M | ||
| Q2 25 | $344.3M | $264.5M | ||
| Q1 25 | $338.3M | $265.9M | ||
| Q4 24 | $327.8M | $267.4M | ||
| Q3 24 | $336.3M | $275.8M | ||
| Q2 24 | $325.6M | $274.6M | ||
| Q1 24 | $180.9M | $279.2M |
| Q4 25 | $2.4B | $268.1M | ||
| Q3 25 | $2.5B | $306.2M | ||
| Q2 25 | $2.6B | $314.7M | ||
| Q1 25 | $2.7B | $310.9M | ||
| Q4 24 | $2.7B | $303.2M | ||
| Q3 24 | $2.9B | $315.3M | ||
| Q2 24 | $2.9B | $318.1M | ||
| Q1 24 | $3.1B | $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 | $13.6M | $-1.4M |
| Free Cash FlowOCF − Capex | $11.9M | $-2.4M |
| FCF MarginFCF / Revenue | 57.4% | -7.1% |
| Capex IntensityCapex / Revenue | 8.1% | 2.9% |
| Cash ConversionOCF / Net Profit | 3.21× | — |
| TTM Free Cash FlowTrailing 4 quarters | $24.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.6M | $-1.4M | ||
| Q3 25 | $6.4M | — | ||
| Q2 25 | $10.7M | $7.9M | ||
| Q1 25 | $-3.6M | $3.0M | ||
| Q4 24 | $-6.3M | $7.2M | ||
| Q3 24 | $24.1M | $22.2M | ||
| Q2 24 | $-4.8M | $4.0M | ||
| Q1 24 | $-7.5M | $-5.7M |
| Q4 25 | $11.9M | $-2.4M | ||
| Q3 25 | $5.7M | — | ||
| Q2 25 | $10.5M | $7.5M | ||
| Q1 25 | $-3.6M | $654.0K | ||
| Q4 24 | $-6.9M | $5.1M | ||
| Q3 24 | $23.9M | $18.2M | ||
| Q2 24 | $-5.0M | $2.8M | ||
| Q1 24 | $-7.6M | $-7.7M |
| Q4 25 | 57.4% | -7.1% | ||
| Q3 25 | 22.3% | — | ||
| Q2 25 | 45.6% | 15.1% | ||
| Q1 25 | -16.4% | 1.4% | ||
| Q4 24 | -31.4% | 17.1% | ||
| Q3 24 | 109.6% | 323.0% | ||
| Q2 24 | -24.4% | 5.8% | ||
| Q1 24 | -26.9% | -20.8% |
| Q4 25 | 8.1% | 2.9% | ||
| Q3 25 | 2.7% | 2.0% | ||
| Q2 25 | 0.6% | 0.8% | ||
| Q1 25 | 0.1% | 5.1% | ||
| Q4 24 | 2.7% | 7.0% | ||
| Q3 24 | 1.1% | 71.4% | ||
| Q2 24 | 0.8% | 2.5% | ||
| Q1 24 | 0.2% | 5.3% |
| Q4 25 | 3.21× | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 8.22× | 4.93× | ||
| Q1 25 | — | 2.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.51× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
