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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and MetroCity Bankshares, Inc. (MCBS). Click either name above to swap in a different company.
MetroCity Bankshares, Inc. is the larger business by last-quarter revenue ($43.7M vs $34.3M, roughly 1.3× Clearfield, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs -1.8%, a 52.3% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs -3.2%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $-2.4M). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Metro City Bank is a Korean-American bank based in Doraville, Georgia and offers personal and commercial banking services. It is the largest Korean-American bank to not be based out of Los Angeles, California. It currently operates a total of 19 branches in Texas, New York, New Jersey, Virginia, Georgia, Alabama, and Florida.
CLFD vs MCBS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $43.7M |
| Net Profit | $-614.0K | $18.1M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 52.8% |
| Net Margin | -1.8% | 50.5% |
| Revenue YoY | -3.2% | 23.6% |
| Net Profit YoY | 67.8% | 11.7% |
| EPS (diluted) | $-0.04 | $0.69 |
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 | $43.7M | ||
| Q3 25 | $23.4M | $38.0M | ||
| Q2 25 | $49.9M | $37.9M | ||
| Q1 25 | $47.2M | $36.0M | ||
| Q4 24 | $29.7M | $35.4M | ||
| Q3 24 | $5.6M | $36.9M | ||
| Q2 24 | $48.8M | $36.3M | ||
| Q1 24 | $36.9M | $32.7M |
| Q4 25 | $-614.0K | $18.1M | ||
| Q3 25 | $-9.1M | $17.3M | ||
| Q2 25 | $1.6M | $16.8M | ||
| Q1 25 | $1.3M | $16.3M | ||
| Q4 24 | $-1.9M | $16.2M | ||
| Q3 24 | — | $16.7M | ||
| Q2 24 | $-447.0K | $16.9M | ||
| Q1 24 | $-5.9M | $14.6M |
| 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% | 52.8% | ||
| Q3 25 | 10.3% | 62.8% | ||
| Q2 25 | 3.0% | 62.4% | ||
| Q1 25 | 0.6% | 61.3% | ||
| Q4 24 | -6.9% | 58.9% | ||
| Q3 24 | — | 61.4% | ||
| Q2 24 | -4.7% | 64.4% | ||
| Q1 24 | -26.4% | 62.6% |
| Q4 25 | -1.8% | 50.5% | ||
| Q3 25 | -38.8% | 45.5% | ||
| Q2 25 | 3.2% | 44.4% | ||
| Q1 25 | 2.8% | 45.3% | ||
| Q4 24 | -6.4% | 54.0% | ||
| Q3 24 | — | 45.3% | ||
| Q2 24 | -0.9% | 46.7% | ||
| Q1 24 | -16.0% | 44.8% |
| Q4 25 | $-0.04 | $0.69 | ||
| Q3 25 | $-0.65 | $0.67 | ||
| Q2 25 | $0.11 | $0.65 | ||
| Q1 25 | $0.09 | $0.63 | ||
| Q4 24 | $-0.13 | $0.64 | ||
| Q3 24 | — | $0.65 | ||
| Q2 24 | $-0.04 | $0.66 | ||
| Q1 24 | $-0.40 | $0.57 |
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 | $383.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $249.7M | $544.2M |
| Total Assets | $268.1M | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.4M | $383.7M | ||
| Q3 25 | $106.0M | $227.2M | ||
| Q2 25 | $117.2M | $286.0M | ||
| Q1 25 | $112.0M | $285.1M | ||
| Q4 24 | $113.0M | $249.9M | ||
| Q3 24 | $129.0M | $291.2M | ||
| Q2 24 | $123.8M | $327.9M | ||
| Q1 24 | $142.9M | $258.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | — | — |
| Q4 25 | $249.7M | $544.2M | ||
| Q3 25 | $256.2M | $445.9M | ||
| Q2 25 | $264.5M | $436.1M | ||
| Q1 25 | $265.9M | $428.0M | ||
| Q4 24 | $267.4M | $421.4M | ||
| Q3 24 | $275.8M | $407.2M | ||
| Q2 24 | $274.6M | $407.2M | ||
| Q1 24 | $279.2M | $396.6M |
| Q4 25 | $268.1M | $4.8B | ||
| Q3 25 | $306.2M | $3.6B | ||
| Q2 25 | $314.7M | $3.6B | ||
| Q1 25 | $310.9M | $3.7B | ||
| Q4 24 | $303.2M | $3.6B | ||
| Q3 24 | $315.3M | $3.6B | ||
| Q2 24 | $318.1M | $3.6B | ||
| Q1 24 | $315.4M | $3.6B |
| 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 | $37.7M |
| Free Cash FlowOCF − Capex | $-2.4M | $37.0M |
| FCF MarginFCF / Revenue | -7.1% | 84.7% |
| Capex IntensityCapex / Revenue | 2.9% | 1.5% |
| Cash ConversionOCF / Net Profit | — | 2.08× |
| TTM Free Cash FlowTrailing 4 quarters | — | $79.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $37.7M | ||
| Q3 25 | — | $16.5M | ||
| Q2 25 | $7.9M | $14.5M | ||
| Q1 25 | $3.0M | $11.9M | ||
| Q4 24 | $7.2M | $63.5M | ||
| Q3 24 | $22.2M | $-11.5M | ||
| Q2 24 | $4.0M | $19.4M | ||
| Q1 24 | $-5.7M | $36.4M |
| Q4 25 | $-2.4M | $37.0M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | $7.5M | $14.3M | ||
| Q1 25 | $654.0K | $11.8M | ||
| Q4 24 | $5.1M | $62.2M | ||
| Q3 24 | $18.2M | $-11.8M | ||
| Q2 24 | $2.8M | $19.0M | ||
| Q1 24 | $-7.7M | $36.1M |
| Q4 25 | -7.1% | 84.7% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | 15.1% | 37.8% | ||
| Q1 25 | 1.4% | 32.9% | ||
| Q4 24 | 17.1% | 175.8% | ||
| Q3 24 | 323.0% | -31.9% | ||
| Q2 24 | 5.8% | 52.4% | ||
| Q1 24 | -20.8% | 110.6% |
| Q4 25 | 2.9% | 1.5% | ||
| Q3 25 | 2.0% | 0.7% | ||
| Q2 25 | 0.8% | 0.3% | ||
| Q1 25 | 5.1% | 0.2% | ||
| Q4 24 | 7.0% | 3.6% | ||
| Q3 24 | 71.4% | 0.8% | ||
| Q2 24 | 2.5% | 1.0% | ||
| Q1 24 | 5.3% | 0.7% |
| Q4 25 | — | 2.08× | ||
| Q3 25 | — | 0.95× | ||
| Q2 25 | 4.93× | 0.86× | ||
| Q1 25 | 2.30× | 0.73× | ||
| Q4 24 | — | 3.91× | ||
| Q3 24 | — | -0.69× | ||
| Q2 24 | — | 1.14× | ||
| Q1 24 | — | 2.49× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
