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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and Finwise Bancorp (FINW). Click either name above to swap in a different company.
Finwise Bancorp is the larger business by last-quarter revenue ($46.9M vs $34.3M, roughly 1.4× Clearfield, Inc.). Finwise Bancorp runs the higher net margin — 8.4% vs -1.8%, a 10.1% gap on every dollar of revenue. On growth, Finwise Bancorp posted the faster year-over-year revenue change (121.7% vs -3.2%). Clearfield, Inc. produced more free cash flow last quarter ($-2.4M vs $-28.6M). Over the past eight quarters, Finwise Bancorp's revenue compounded faster (54.3% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Finwise Bancorp is a U.S.-based financial holding company that operates primarily through its community banking subsidiary. It offers a full suite of retail and commercial financial services, including deposit accounts, personal loans, mortgage products, small business financing, and wealth management solutions, serving local retail consumers and small to medium-sized business clients across its regional operating markets.
CLFD vs FINW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $46.9M |
| Net Profit | $-614.0K | $3.9M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 11.7% |
| Net Margin | -1.8% | 8.4% |
| Revenue YoY | -3.2% | 121.7% |
| Net Profit YoY | 67.8% | 40.1% |
| EPS (diluted) | $-0.04 | $0.27 |
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 | $34.3M | $46.9M | ||
| Q3 25 | $23.4M | $36.7M | ||
| Q2 25 | $49.9M | $25.1M | ||
| Q1 25 | $47.2M | $22.1M | ||
| Q4 24 | $29.7M | $21.1M | ||
| Q3 24 | $5.6M | $20.8M | ||
| Q2 24 | $48.8M | $19.8M | ||
| Q1 24 | $36.9M | $19.7M |
| Q4 25 | $-614.0K | $3.9M | ||
| Q3 25 | $-9.1M | $4.9M | ||
| Q2 25 | $1.6M | $4.1M | ||
| Q1 25 | $1.3M | $3.2M | ||
| Q4 24 | $-1.9M | $2.8M | ||
| Q3 24 | — | $3.5M | ||
| Q2 24 | $-447.0K | $3.2M | ||
| Q1 24 | $-5.9M | $3.3M |
| 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 | -5.3% | 11.7% | ||
| Q3 25 | 10.3% | 17.5% | ||
| Q2 25 | 3.0% | 21.7% | ||
| Q1 25 | 0.6% | 20.1% | ||
| Q4 24 | -6.9% | 17.5% | ||
| Q3 24 | — | 22.2% | ||
| Q2 24 | -4.7% | 21.1% | ||
| Q1 24 | -26.4% | 22.9% |
| Q4 25 | -1.8% | 8.4% | ||
| Q3 25 | -38.8% | 13.3% | ||
| Q2 25 | 3.2% | 16.3% | ||
| Q1 25 | 2.8% | 14.4% | ||
| Q4 24 | -6.4% | 13.2% | ||
| Q3 24 | — | 16.6% | ||
| Q2 24 | -0.9% | 16.1% | ||
| Q1 24 | -16.0% | 16.9% |
| Q4 25 | $-0.04 | $0.27 | ||
| Q3 25 | $-0.65 | $0.34 | ||
| Q2 25 | $0.11 | $0.29 | ||
| Q1 25 | $0.09 | $0.23 | ||
| Q4 24 | $-0.13 | $0.19 | ||
| Q3 24 | — | $0.25 | ||
| Q2 24 | $-0.04 | $0.24 | ||
| Q1 24 | $-0.40 | $0.25 |
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 | $163.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $249.7M | $193.2M |
| Total Assets | $268.1M | $977.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.4M | $163.4M | ||
| Q3 25 | $106.0M | $105.6M | ||
| Q2 25 | $117.2M | $90.1M | ||
| Q1 25 | $112.0M | $120.3M | ||
| Q4 24 | $113.0M | $109.2M | ||
| Q3 24 | $129.0M | $85.8M | ||
| Q2 24 | $123.8M | $89.0M | ||
| Q1 24 | $142.9M | $115.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | — | — |
| Q4 25 | $249.7M | $193.2M | ||
| Q3 25 | $256.2M | $187.8M | ||
| Q2 25 | $264.5M | $182.0M | ||
| Q1 25 | $265.9M | $177.4M | ||
| Q4 24 | $267.4M | $173.7M | ||
| Q3 24 | $275.8M | $170.4M | ||
| Q2 24 | $274.6M | $165.8M | ||
| Q1 24 | $279.2M | $162.5M |
| Q4 25 | $268.1M | $977.1M | ||
| Q3 25 | $306.2M | $899.9M | ||
| Q2 25 | $314.7M | $842.5M | ||
| Q1 25 | $310.9M | $804.1M | ||
| Q4 24 | $303.2M | $746.0M | ||
| Q3 24 | $315.3M | $683.0M | ||
| Q2 24 | $318.1M | $617.8M | ||
| Q1 24 | $315.4M | $610.8M |
| 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 | $-1.4M | $-28.4M |
| Free Cash FlowOCF − Capex | $-2.4M | $-28.6M |
| FCF MarginFCF / Revenue | -7.1% | -61.1% |
| Capex IntensityCapex / Revenue | 2.9% | 0.5% |
| Cash ConversionOCF / Net Profit | — | -7.26× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-68.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $-28.4M | ||
| Q3 25 | — | $3.5M | ||
| Q2 25 | $7.9M | $-18.3M | ||
| Q1 25 | $3.0M | $-21.6M | ||
| Q4 24 | $7.2M | $-15.0M | ||
| Q3 24 | $22.2M | $-9.8M | ||
| Q2 24 | $4.0M | $-7.6M | ||
| Q1 24 | $-5.7M | $1.8M |
| Q4 25 | $-2.4M | $-28.6M | ||
| Q3 25 | — | $3.4M | ||
| Q2 25 | $7.5M | $-19.8M | ||
| Q1 25 | $654.0K | $-23.3M | ||
| Q4 24 | $5.1M | $-16.1M | ||
| Q3 24 | $18.2M | $-13.4M | ||
| Q2 24 | $2.8M | $-7.7M | ||
| Q1 24 | $-7.7M | $568.0K |
| Q4 25 | -7.1% | -61.1% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | 15.1% | -79.0% | ||
| Q1 25 | 1.4% | -105.3% | ||
| Q4 24 | 17.1% | -76.0% | ||
| Q3 24 | 323.0% | -64.3% | ||
| Q2 24 | 5.8% | -38.7% | ||
| Q1 24 | -20.8% | 2.9% |
| Q4 25 | 2.9% | 0.5% | ||
| Q3 25 | 2.0% | 0.1% | ||
| Q2 25 | 0.8% | 5.8% | ||
| Q1 25 | 5.1% | 7.4% | ||
| Q4 24 | 7.0% | 5.1% | ||
| Q3 24 | 71.4% | 17.2% | ||
| Q2 24 | 2.5% | 0.3% | ||
| Q1 24 | 5.3% | 6.0% |
| Q4 25 | — | -7.26× | ||
| Q3 25 | — | 0.71× | ||
| Q2 25 | 4.93× | -4.48× | ||
| Q1 25 | 2.30× | -6.78× | ||
| Q4 24 | — | -5.37× | ||
| Q3 24 | — | -2.84× | ||
| Q2 24 | — | -2.39× | ||
| Q1 24 | — | 0.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
