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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and NB Bancorp, Inc. (NBBK). Click either name above to swap in a different company.
NB Bancorp, Inc. is the larger business by last-quarter revenue ($63.4M vs $34.3M, roughly 1.8× Clearfield, Inc.). NB Bancorp, Inc. runs the higher net margin — 12.2% vs -1.8%, a 14.0% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs -3.2%). NB Bancorp, Inc. produced more free cash flow last quarter ($57.4M vs $-2.4M). Over the past eight quarters, NB Bancorp, Inc.'s revenue compounded faster (22.6% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
NB Bancorp, Inc. is a U.S.-based bank holding company operating through its fully owned banking subsidiary. It provides a full range of retail and commercial banking services including various deposit products, consumer loans, residential mortgages, and small business financing solutions, primarily catering to individual and small-to-mid-sized enterprise customers across the New York metropolitan area.
CLFD vs NBBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $63.4M |
| Net Profit | $-614.0K | $7.7M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 23.5% |
| Net Margin | -1.8% | 12.2% |
| Revenue YoY | -3.2% | 33.9% |
| Net Profit YoY | 67.8% | -50.6% |
| EPS (diluted) | $-0.04 | $0.19 |
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 | $63.4M | ||
| Q3 25 | $23.4M | $51.7M | ||
| Q2 25 | $49.9M | $51.2M | ||
| Q1 25 | $47.2M | $47.4M | ||
| Q4 24 | $29.7M | $47.3M | ||
| Q3 24 | $5.6M | $42.6M | ||
| Q2 24 | $48.8M | $41.7M | ||
| Q1 24 | $36.9M | $42.1M |
| Q4 25 | $-614.0K | $7.7M | ||
| Q3 25 | $-9.1M | $15.4M | ||
| Q2 25 | $1.6M | $14.6M | ||
| Q1 25 | $1.3M | $12.7M | ||
| Q4 24 | $-1.9M | $15.6M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | $-447.0K | $9.5M | ||
| Q1 24 | $-5.9M | $8.7M |
| 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% | 23.5% | ||
| Q3 25 | 10.3% | 38.6% | ||
| Q2 25 | 3.0% | 36.6% | ||
| Q1 25 | 0.6% | 37.1% | ||
| Q4 24 | -6.9% | 40.7% | ||
| Q3 24 | — | 36.1% | ||
| Q2 24 | -4.7% | 28.3% | ||
| Q1 24 | -26.4% | 28.8% |
| Q4 25 | -1.8% | 12.2% | ||
| Q3 25 | -38.8% | 29.7% | ||
| Q2 25 | 3.2% | 28.5% | ||
| Q1 25 | 2.8% | 26.7% | ||
| Q4 24 | -6.4% | 33.0% | ||
| Q3 24 | — | 19.7% | ||
| Q2 24 | -0.9% | 22.7% | ||
| Q1 24 | -16.0% | 20.7% |
| Q4 25 | $-0.04 | $0.19 | ||
| Q3 25 | $-0.65 | $0.43 | ||
| Q2 25 | $0.11 | $0.39 | ||
| Q1 25 | $0.09 | $0.33 | ||
| Q4 24 | $-0.13 | $0.40 | ||
| Q3 24 | — | $0.21 | ||
| Q2 24 | $-0.04 | $0.24 | ||
| Q1 24 | $-0.40 | $0.22 |
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 | — | — |
| Stockholders' EquityBook value | $249.7M | $858.9M |
| Total Assets | $268.1M | $7.0B |
| Debt / EquityLower = less leverage | — | — |
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 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | — | — |
| Q4 25 | $249.7M | $858.9M | ||
| Q3 25 | $256.2M | $737.0M | ||
| Q2 25 | $264.5M | $737.1M | ||
| Q1 25 | $265.9M | $739.6M | ||
| Q4 24 | $267.4M | $765.2M | ||
| Q3 24 | $275.8M | $747.4M | ||
| Q2 24 | $274.6M | $734.3M | ||
| Q1 24 | $279.2M | $733.8M |
| Q4 25 | $268.1M | $7.0B | ||
| Q3 25 | $306.2M | $5.4B | ||
| Q2 25 | $314.7M | $5.2B | ||
| Q1 25 | $310.9M | $5.2B | ||
| Q4 24 | $303.2M | $5.2B | ||
| Q3 24 | $315.3M | $5.0B | ||
| Q2 24 | $318.1M | $4.8B | ||
| Q1 24 | $315.4M | $4.7B |
| 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 | $60.8M |
| Free Cash FlowOCF − Capex | $-2.4M | $57.4M |
| FCF MarginFCF / Revenue | -7.1% | 90.6% |
| Capex IntensityCapex / Revenue | 2.9% | 5.4% |
| Cash ConversionOCF / Net Profit | — | 7.89× |
| TTM Free Cash FlowTrailing 4 quarters | — | $117.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $60.8M | ||
| Q3 25 | — | $24.2M | ||
| Q2 25 | $7.9M | $27.0M | ||
| Q1 25 | $3.0M | $9.9M | ||
| Q4 24 | $7.2M | $43.2M | ||
| Q3 24 | $22.2M | $8.6M | ||
| Q2 24 | $4.0M | $24.7M | ||
| Q1 24 | $-5.7M | $-11.4M |
| Q4 25 | $-2.4M | $57.4M | ||
| Q3 25 | — | $23.9M | ||
| Q2 25 | $7.5M | $26.1M | ||
| Q1 25 | $654.0K | $9.8M | ||
| Q4 24 | $5.1M | $41.3M | ||
| Q3 24 | $18.2M | $8.4M | ||
| Q2 24 | $2.8M | $23.8M | ||
| Q1 24 | $-7.7M | $-11.7M |
| Q4 25 | -7.1% | 90.6% | ||
| Q3 25 | — | 46.3% | ||
| Q2 25 | 15.1% | 51.0% | ||
| Q1 25 | 1.4% | 20.8% | ||
| Q4 24 | 17.1% | 87.2% | ||
| Q3 24 | 323.0% | 19.7% | ||
| Q2 24 | 5.8% | 57.1% | ||
| Q1 24 | -20.8% | -27.7% |
| Q4 25 | 2.9% | 5.4% | ||
| Q3 25 | 2.0% | 0.6% | ||
| Q2 25 | 0.8% | 1.9% | ||
| Q1 25 | 5.1% | 0.2% | ||
| Q4 24 | 7.0% | 4.1% | ||
| Q3 24 | 71.4% | 0.5% | ||
| Q2 24 | 2.5% | 2.1% | ||
| Q1 24 | 5.3% | 0.6% |
| Q4 25 | — | 7.89× | ||
| Q3 25 | — | 1.58× | ||
| Q2 25 | 4.93× | 1.85× | ||
| Q1 25 | 2.30× | 0.79× | ||
| Q4 24 | — | 2.77× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 2.61× | ||
| Q1 24 | — | -1.31× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
