vs
Side-by-side financial comparison of Clearfield, Inc. (CLFD) and First Bancorp, Inc (FNLC). Click either name above to swap in a different company.
Clearfield, Inc. is the larger business by last-quarter revenue ($34.3M vs $25.8M, roughly 1.3× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -1.8%, a 41.1% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -3.2%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-2.4M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
CLFD vs FNLC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $25.8M |
| Net Profit | $-614.0K | $10.2M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 48.1% |
| Net Margin | -1.8% | 39.4% |
| Revenue YoY | -3.2% | 17.5% |
| Net Profit YoY | 67.8% | 39.7% |
| EPS (diluted) | $-0.04 | $0.91 |
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 | $25.8M | ||
| Q3 25 | $23.4M | $24.5M | ||
| Q2 25 | $49.9M | $22.5M | ||
| Q1 25 | $47.2M | $21.8M | ||
| Q4 24 | $29.7M | $22.0M | ||
| Q3 24 | $5.6M | $20.5M | ||
| Q2 24 | $48.8M | $19.2M | ||
| Q1 24 | $36.9M | $18.5M |
| Q4 25 | $-614.0K | $10.2M | ||
| Q3 25 | $-9.1M | $9.1M | ||
| Q2 25 | $1.6M | $8.1M | ||
| Q1 25 | $1.3M | $7.1M | ||
| Q4 24 | $-1.9M | $7.3M | ||
| Q3 24 | — | $7.6M | ||
| Q2 24 | $-447.0K | $6.2M | ||
| Q1 24 | $-5.9M | $6.0M |
| 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% | 48.1% | ||
| Q3 25 | 10.3% | 45.2% | ||
| Q2 25 | 3.0% | 43.7% | ||
| Q1 25 | 0.6% | 39.3% | ||
| Q4 24 | -6.9% | 39.5% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | -4.7% | 38.8% | ||
| Q1 24 | -26.4% | 39.3% |
| Q4 25 | -1.8% | 39.4% | ||
| Q3 25 | -38.8% | 37.0% | ||
| Q2 25 | 3.2% | 35.8% | ||
| Q1 25 | 2.8% | 32.5% | ||
| Q4 24 | -6.4% | 33.1% | ||
| Q3 24 | — | 36.9% | ||
| Q2 24 | -0.9% | 32.1% | ||
| Q1 24 | -16.0% | 32.5% |
| Q4 25 | $-0.04 | $0.91 | ||
| Q3 25 | $-0.65 | $0.81 | ||
| Q2 25 | $0.11 | $0.72 | ||
| Q1 25 | $0.09 | $0.63 | ||
| Q4 24 | $-0.13 | $0.66 | ||
| Q3 24 | — | $0.68 | ||
| Q2 24 | $-0.04 | $0.55 | ||
| Q1 24 | $-0.40 | $0.54 |
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 | — | $95.5M |
| Stockholders' EquityBook value | $249.7M | $283.1M |
| Total Assets | $268.1M | $3.2B |
| Debt / EquityLower = less leverage | — | 0.34× |
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 | — | $95.5M | ||
| Q3 25 | — | $95.5M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $70.0M | ||
| Q4 24 | — | $95.0M | ||
| Q3 24 | $2.2M | $95.0M | ||
| Q2 24 | $2.1M | $70.0M | ||
| Q1 24 | — | $70.0M |
| Q4 25 | $249.7M | $283.1M | ||
| Q3 25 | $256.2M | $274.6M | ||
| Q2 25 | $264.5M | $265.5M | ||
| Q1 25 | $265.9M | $259.7M | ||
| Q4 24 | $267.4M | $252.5M | ||
| Q3 24 | $275.8M | $256.8M | ||
| Q2 24 | $274.6M | $244.7M | ||
| Q1 24 | $279.2M | $242.6M |
| Q4 25 | $268.1M | $3.2B | ||
| Q3 25 | $306.2M | $3.2B | ||
| Q2 25 | $314.7M | $3.2B | ||
| Q1 25 | $310.9M | $3.2B | ||
| Q4 24 | $303.2M | $3.2B | ||
| Q3 24 | $315.3M | $3.1B | ||
| Q2 24 | $318.1M | $3.1B | ||
| Q1 24 | $315.4M | $3.0B |
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 0.36× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.38× | ||
| Q3 24 | 0.01× | 0.37× | ||
| Q2 24 | 0.01× | 0.29× | ||
| Q1 24 | — | 0.29× |
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 | $37.8M |
| Free Cash FlowOCF − Capex | $-2.4M | $34.6M |
| FCF MarginFCF / Revenue | -7.1% | 133.9% |
| Capex IntensityCapex / Revenue | 2.9% | 12.5% |
| Cash ConversionOCF / Net Profit | — | 3.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | $55.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $37.8M | ||
| Q3 25 | — | $12.9M | ||
| Q2 25 | $7.9M | $7.4M | ||
| Q1 25 | $3.0M | $2.2M | ||
| Q4 24 | $7.2M | $26.0M | ||
| Q3 24 | $22.2M | $9.8M | ||
| Q2 24 | $4.0M | $6.4M | ||
| Q1 24 | $-5.7M | $-1.5M |
| Q4 25 | $-2.4M | $34.6M | ||
| Q3 25 | — | $12.6M | ||
| Q2 25 | $7.5M | $7.2M | ||
| Q1 25 | $654.0K | $828.0K | ||
| Q4 24 | $5.1M | $24.6M | ||
| Q3 24 | $18.2M | $9.6M | ||
| Q2 24 | $2.8M | $6.3M | ||
| Q1 24 | $-7.7M | $-1.8M |
| Q4 25 | -7.1% | 133.9% | ||
| Q3 25 | — | 51.4% | ||
| Q2 25 | 15.1% | 32.1% | ||
| Q1 25 | 1.4% | 3.8% | ||
| Q4 24 | 17.1% | 111.7% | ||
| Q3 24 | 323.0% | 47.0% | ||
| Q2 24 | 5.8% | 32.9% | ||
| Q1 24 | -20.8% | -9.8% |
| Q4 25 | 2.9% | 12.5% | ||
| Q3 25 | 2.0% | 1.2% | ||
| Q2 25 | 0.8% | 0.6% | ||
| Q1 25 | 5.1% | 6.2% | ||
| Q4 24 | 7.0% | 6.7% | ||
| Q3 24 | 71.4% | 0.5% | ||
| Q2 24 | 2.5% | 0.3% | ||
| Q1 24 | 5.3% | 1.8% |
| Q4 25 | — | 3.72× | ||
| Q3 25 | — | 1.42× | ||
| Q2 25 | 4.93× | 0.91× | ||
| Q1 25 | 2.30× | 0.31× | ||
| Q4 24 | — | 3.58× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.03× | ||
| Q1 24 | — | -0.25× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
