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Side-by-side financial comparison of CHEMUNG FINANCIAL CORP (CHMG) 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 $23.8M, roughly 1.4× CHEMUNG FINANCIAL CORP). CHEMUNG FINANCIAL CORP runs the higher net margin — 32.5% vs -1.8%, a 34.3% gap on every dollar of revenue. On growth, CHEMUNG FINANCIAL CORP posted the faster year-over-year revenue change (20.3% vs -3.2%). CHEMUNG FINANCIAL CORP produced more free cash flow last quarter ($43.8M vs $-2.4M). Over the past eight quarters, CHEMUNG FINANCIAL CORP's revenue compounded faster (0.2% CAGR vs -3.5%).
Chemung Canal Trust Company is a New York State chartered trust company based in Elmira, New York. It was founded as a publicly traded bank in 1833.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
CHMG vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $23.8M | $34.3M |
| Net Profit | $7.7M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | 46.1% | -5.3% |
| Net Margin | 32.5% | -1.8% |
| Revenue YoY | 20.3% | -3.2% |
| Net Profit YoY | 30.9% | 67.8% |
| EPS (diluted) | $1.61 | $-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 | $23.8M | $34.3M | ||
| Q3 25 | $28.8M | $23.4M | ||
| Q2 25 | $10.1M | $49.9M | ||
| Q1 25 | $25.7M | $47.2M | ||
| Q4 24 | $25.9M | $29.7M | ||
| Q3 24 | $24.3M | $5.6M | ||
| Q2 24 | $23.4M | $48.8M | ||
| Q1 24 | $23.7M | $36.9M |
| Q4 25 | $7.7M | $-614.0K | ||
| Q3 25 | $7.8M | $-9.1M | ||
| Q2 25 | $-6.5M | $1.6M | ||
| Q1 25 | $6.0M | $1.3M | ||
| Q4 24 | $5.9M | $-1.9M | ||
| Q3 24 | $5.7M | — | ||
| Q2 24 | $5.0M | $-447.0K | ||
| Q1 24 | $7.0M | $-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 | 46.1% | -5.3% | ||
| Q3 25 | 35.0% | 10.3% | ||
| Q2 25 | -87.2% | 3.0% | ||
| Q1 25 | 29.9% | 0.6% | ||
| Q4 24 | 29.0% | -6.9% | ||
| Q3 24 | 29.8% | — | ||
| Q2 24 | 26.8% | -4.7% | ||
| Q1 24 | 38.3% | -26.4% |
| Q4 25 | 32.5% | -1.8% | ||
| Q3 25 | 27.1% | -38.8% | ||
| Q2 25 | -63.9% | 3.2% | ||
| Q1 25 | 23.4% | 2.8% | ||
| Q4 24 | 29.8% | -6.4% | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 21.3% | -0.9% | ||
| Q1 24 | 29.7% | -16.0% |
| Q4 25 | $1.61 | $-0.04 | ||
| Q3 25 | $1.62 | $-0.65 | ||
| Q2 25 | $-1.35 | $0.11 | ||
| Q1 25 | $1.26 | $0.09 | ||
| Q4 24 | $1.24 | $-0.13 | ||
| Q3 24 | $1.19 | — | ||
| Q2 24 | $1.05 | $-0.04 | ||
| Q1 24 | $1.48 | $-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 | $50.1M | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.7M | $249.7M |
| Total Assets | $2.7B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $50.1M | $96.4M | ||
| Q3 25 | $107.6M | $106.0M | ||
| Q2 25 | $320.1M | $117.2M | ||
| Q1 25 | $53.4M | $112.0M | ||
| Q4 24 | $47.0M | $113.0M | ||
| Q3 24 | $80.4M | $129.0M | ||
| Q2 24 | $70.2M | $123.8M | ||
| Q1 24 | $94.9M | $142.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $99.1M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
| Q4 25 | $254.7M | $249.7M | ||
| Q3 25 | $245.3M | $256.2M | ||
| Q2 25 | $235.0M | $264.5M | ||
| Q1 25 | $228.3M | $265.9M | ||
| Q4 24 | $215.3M | $267.4M | ||
| Q3 24 | $220.7M | $275.8M | ||
| Q2 24 | $201.2M | $274.6M | ||
| Q1 24 | $197.1M | $279.2M |
| Q4 25 | $2.7B | $268.1M | ||
| Q3 25 | $2.7B | $306.2M | ||
| Q2 25 | $2.9B | $314.7M | ||
| Q1 25 | $2.8B | $310.9M | ||
| Q4 24 | $2.8B | $303.2M | ||
| Q3 24 | $2.8B | $315.3M | ||
| Q2 24 | $2.8B | $318.1M | ||
| Q1 24 | $2.8B | $315.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.42× | — | ||
| 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 | $45.5M | $-1.4M |
| Free Cash FlowOCF − Capex | $43.8M | $-2.4M |
| FCF MarginFCF / Revenue | 183.7% | -7.1% |
| Capex IntensityCapex / Revenue | 7.1% | 2.9% |
| Cash ConversionOCF / Net Profit | 5.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $71.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.5M | $-1.4M | ||
| Q3 25 | $12.2M | — | ||
| Q2 25 | $9.7M | $7.9M | ||
| Q1 25 | $7.2M | $3.0M | ||
| Q4 24 | $29.8M | $7.2M | ||
| Q3 24 | $9.2M | $22.2M | ||
| Q2 24 | $6.5M | $4.0M | ||
| Q1 24 | $7.9M | $-5.7M |
| Q4 25 | $43.8M | $-2.4M | ||
| Q3 25 | $11.8M | — | ||
| Q2 25 | $9.4M | $7.5M | ||
| Q1 25 | $6.9M | $654.0K | ||
| Q4 24 | $26.2M | $5.1M | ||
| Q3 24 | $8.6M | $18.2M | ||
| Q2 24 | $5.5M | $2.8M | ||
| Q1 24 | $7.9M | $-7.7M |
| Q4 25 | 183.7% | -7.1% | ||
| Q3 25 | 41.1% | — | ||
| Q2 25 | 92.9% | 15.1% | ||
| Q1 25 | 26.7% | 1.4% | ||
| Q4 24 | 101.2% | 17.1% | ||
| Q3 24 | 35.2% | 323.0% | ||
| Q2 24 | 23.4% | 5.8% | ||
| Q1 24 | 33.1% | -20.8% |
| Q4 25 | 7.1% | 2.9% | ||
| Q3 25 | 1.4% | 2.0% | ||
| Q2 25 | 3.6% | 0.8% | ||
| Q1 25 | 1.3% | 5.1% | ||
| Q4 24 | 14.0% | 7.0% | ||
| Q3 24 | 2.5% | 71.4% | ||
| Q2 24 | 4.4% | 2.5% | ||
| Q1 24 | 0.3% | 5.3% |
| Q4 25 | 5.88× | — | ||
| Q3 25 | 1.57× | — | ||
| Q2 25 | — | 4.93× | ||
| Q1 25 | 1.19× | 2.30× | ||
| Q4 24 | 5.04× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.30× | — | ||
| Q1 24 | 1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
