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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and FINANCIAL INSTITUTIONS INC (FISI). Click either name above to swap in a different company.
FINANCIAL INSTITUTIONS INC is the larger business by last-quarter revenue ($62.7M vs $34.3M, roughly 1.8× Clearfield, Inc.). FINANCIAL INSTITUTIONS INC runs the higher net margin — 33.5% vs -1.8%, a 35.3% gap on every dollar of revenue. Over the past eight quarters, FINANCIAL INSTITUTIONS INC's revenue compounded faster (-2.0% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
The Mizuho Financial Group, Inc. , known from 2000 to 2003 as Mizuho Holdings and abbreviated as MHFG or simply Mizuho, is a Japanese banking holding company headquartered in the Ōtemachi district of Chiyoda, Tokyo, Japan. The group was formed in 2000–2002 by merger of Dai-Ichi Kangyo Bank, Fuji Bank, and Industrial Bank of Japan. The name mizuho (瑞穂) literally means "abundant rice" in Japanese and "harvest" in the figurative sense.
CLFD vs FISI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $62.7M |
| Net Profit | $-614.0K | $21.0M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | — |
| Net Margin | -1.8% | 33.5% |
| Revenue YoY | -3.2% | — |
| Net Profit YoY | 67.8% | 24.3% |
| EPS (diluted) | $-0.04 | $1.04 |
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.
| Q1 26 | — | $62.7M | ||
| Q4 25 | $34.3M | $64.1M | ||
| Q3 25 | $23.4M | $63.8M | ||
| Q2 25 | $49.9M | $59.7M | ||
| Q1 25 | $47.2M | $57.2M | ||
| Q4 24 | $29.7M | $41.6M | ||
| Q3 24 | $5.6M | $50.1M | ||
| Q2 24 | $48.8M | $65.2M |
| Q1 26 | — | $21.0M | ||
| Q4 25 | $-614.0K | $20.0M | ||
| Q3 25 | $-9.1M | $20.5M | ||
| Q2 25 | $1.6M | $17.5M | ||
| Q1 25 | $1.3M | $16.9M | ||
| Q4 24 | $-1.9M | $-82.8M | ||
| Q3 24 | — | $13.5M | ||
| Q2 24 | $-447.0K | $25.6M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | -5.3% | 37.4% | ||
| Q3 25 | 10.3% | 39.5% | ||
| Q2 25 | 3.0% | 36.0% | ||
| Q1 25 | 0.6% | 36.0% | ||
| Q4 24 | -6.9% | -276.9% | ||
| Q3 24 | — | 29.0% | ||
| Q2 24 | -4.7% | 46.2% |
| Q1 26 | — | 33.5% | ||
| Q4 25 | -1.8% | 38.3% | ||
| Q3 25 | -38.8% | 32.1% | ||
| Q2 25 | 3.2% | 29.3% | ||
| Q1 25 | 2.8% | 29.5% | ||
| Q4 24 | -6.4% | -198.9% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | -0.9% | 39.3% |
| Q1 26 | — | $1.04 | ||
| Q4 25 | $-0.04 | $0.96 | ||
| Q3 25 | $-0.65 | $0.99 | ||
| Q2 25 | $0.11 | $0.85 | ||
| Q1 25 | $0.09 | $0.81 | ||
| Q4 24 | $-0.13 | $-5.32 | ||
| Q3 24 | — | $0.84 | ||
| Q2 24 | $-0.04 | $1.62 |
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 | $85.5M |
| Total DebtLower is stronger | — | $114.0M |
| Stockholders' EquityBook value | $249.7M | — |
| Total Assets | $268.1M | $6.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $85.5M | ||
| Q4 25 | $96.4M | $108.8M | ||
| Q3 25 | $106.0M | $185.9M | ||
| Q2 25 | $117.2M | $93.0M | ||
| Q1 25 | $112.0M | $167.4M | ||
| Q4 24 | $113.0M | $87.3M | ||
| Q3 24 | $129.0M | — | ||
| Q2 24 | $123.8M | — |
| Q1 26 | — | $114.0M | ||
| Q4 25 | — | $193.7M | ||
| Q3 25 | — | $115.0M | ||
| Q2 25 | — | $115.0M | ||
| Q1 25 | — | $124.9M | ||
| Q4 24 | — | $124.8M | ||
| Q3 24 | $2.2M | $124.8M | ||
| Q2 24 | $2.1M | $124.7M |
| Q1 26 | — | — | ||
| Q4 25 | $249.7M | $628.9M | ||
| Q3 25 | $256.2M | $621.7M | ||
| Q2 25 | $264.5M | $601.7M | ||
| Q1 25 | $265.9M | $589.9M | ||
| Q4 24 | $267.4M | $569.0M | ||
| Q3 24 | $275.8M | $500.3M | ||
| Q2 24 | $274.6M | $467.7M |
| Q1 26 | — | $6.3B | ||
| Q4 25 | $268.1M | $6.3B | ||
| Q3 25 | $306.2M | $6.3B | ||
| Q2 25 | $314.7M | $6.1B | ||
| Q1 25 | $310.9M | $6.3B | ||
| Q4 24 | $303.2M | $6.1B | ||
| Q3 24 | $315.3M | $6.2B | ||
| Q2 24 | $318.1M | $6.1B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.31× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | 0.01× | 0.25× | ||
| Q2 24 | 0.01× | 0.27× |
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 | — |
| Free Cash FlowOCF − Capex | $-2.4M | — |
| FCF MarginFCF / Revenue | -7.1% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-1.4M | $18.8M | ||
| Q3 25 | — | $-6.9M | ||
| Q2 25 | $7.9M | $-5.7M | ||
| Q1 25 | $3.0M | $10.0M | ||
| Q4 24 | $7.2M | $77.1M | ||
| Q3 24 | $22.2M | $2.1M | ||
| Q2 24 | $4.0M | $35.7M |
| Q1 26 | — | — | ||
| Q4 25 | $-2.4M | $13.3M | ||
| Q3 25 | — | $-7.9M | ||
| Q2 25 | $7.5M | $-7.3M | ||
| Q1 25 | $654.0K | $9.2M | ||
| Q4 24 | $5.1M | $72.2M | ||
| Q3 24 | $18.2M | $-299.0K | ||
| Q2 24 | $2.8M | $34.7M |
| Q1 26 | — | — | ||
| Q4 25 | -7.1% | 20.7% | ||
| Q3 25 | — | -12.4% | ||
| Q2 25 | 15.1% | -12.3% | ||
| Q1 25 | 1.4% | 16.1% | ||
| Q4 24 | 17.1% | 173.3% | ||
| Q3 24 | 323.0% | -0.6% | ||
| Q2 24 | 5.8% | 53.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 8.7% | ||
| Q3 25 | 2.0% | 1.6% | ||
| Q2 25 | 0.8% | 2.7% | ||
| Q1 25 | 5.1% | 1.4% | ||
| Q4 24 | 7.0% | 11.9% | ||
| Q3 24 | 71.4% | 4.9% | ||
| Q2 24 | 2.5% | 1.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.94× | ||
| Q3 25 | — | -0.34× | ||
| Q2 25 | 4.93× | -0.33× | ||
| Q1 25 | 2.30× | 0.59× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 1.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CLFD
Segment breakdown not available.
FISI
| Net Interest Income | $52.0M | 83% |
| Noninterest Income | $10.7M | 17% |
