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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and Northfield Bancorp, Inc. (NFBK). Click either name above to swap in a different company.
Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $34.3M, roughly 1.2× Clearfield, Inc.). Clearfield, Inc. runs the higher net margin — -1.8% vs -1545.5%, a 1543.7% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs -3.2%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $-2.4M). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Northfield Bancorp, Inc. is a regional bank holding company based in the United States, operating primarily across the U.S. Northeast region. It provides a full range of personal and commercial banking services including deposit accounts, mortgage loans, commercial lending, and wealth management solutions for retail consumers, small to medium-sized businesses and local community clients.
CLFD vs NFBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $41.3M |
| Net Profit | $-614.0K | $-27.4M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | -1263.3% |
| Net Margin | -1.8% | -1545.5% |
| Revenue YoY | -3.2% | 12.7% |
| Net Profit YoY | 67.8% | -343.6% |
| EPS (diluted) | $-0.04 | $-0.68 |
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 | $41.3M | ||
| Q3 25 | $23.4M | $39.2M | ||
| Q2 25 | $49.9M | $38.9M | ||
| Q1 25 | $47.2M | $34.8M | ||
| Q4 24 | $29.7M | $36.7M | ||
| Q3 24 | $5.6M | $31.8M | ||
| Q2 24 | $48.8M | $31.5M | ||
| Q1 24 | $36.9M | $31.3M |
| Q4 25 | $-614.0K | $-27.4M | ||
| Q3 25 | $-9.1M | $10.8M | ||
| Q2 25 | $1.6M | $9.6M | ||
| Q1 25 | $1.3M | $7.9M | ||
| Q4 24 | $-1.9M | $11.3M | ||
| Q3 24 | — | $6.5M | ||
| Q2 24 | $-447.0K | $6.0M | ||
| Q1 24 | $-5.9M | $6.2M |
| 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% | -1263.3% | ||
| Q3 25 | 10.3% | 37.7% | ||
| Q2 25 | 3.0% | 35.6% | ||
| Q1 25 | 0.6% | 31.0% | ||
| Q4 24 | -6.9% | 38.0% | ||
| Q3 24 | — | 27.9% | ||
| Q2 24 | -4.7% | 29.1% | ||
| Q1 24 | -26.4% | 27.2% |
| Q4 25 | -1.8% | -1545.5% | ||
| Q3 25 | -38.8% | 27.4% | ||
| Q2 25 | 3.2% | 24.6% | ||
| Q1 25 | 2.8% | 22.6% | ||
| Q4 24 | -6.4% | 30.7% | ||
| Q3 24 | — | 20.5% | ||
| Q2 24 | -0.9% | 18.9% | ||
| Q1 24 | -16.0% | 19.9% |
| Q4 25 | $-0.04 | $-0.68 | ||
| Q3 25 | $-0.65 | $0.27 | ||
| Q2 25 | $0.11 | $0.24 | ||
| Q1 25 | $0.09 | $0.19 | ||
| Q4 24 | $-0.13 | $0.27 | ||
| Q3 24 | — | $0.16 | ||
| Q2 24 | $-0.04 | $0.14 | ||
| Q1 24 | $-0.40 | $0.15 |
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 | $164.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $249.7M | $690.1M |
| Total Assets | $268.1M | $5.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.4M | $164.0M | ||
| Q3 25 | $106.0M | $131.7M | ||
| Q2 25 | $117.2M | $97.6M | ||
| Q1 25 | $112.0M | $101.7M | ||
| Q4 24 | $113.0M | $167.7M | ||
| Q3 24 | $129.0M | $232.9M | ||
| Q2 24 | $123.8M | $153.5M | ||
| Q1 24 | $142.9M | $238.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $666.4M | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | — | — |
| Q4 25 | $249.7M | $690.1M | ||
| Q3 25 | $256.2M | $719.6M | ||
| Q2 25 | $264.5M | $710.3M | ||
| Q1 25 | $265.9M | $711.1M | ||
| Q4 24 | $267.4M | $704.7M | ||
| Q3 24 | $275.8M | $699.6M | ||
| Q2 24 | $274.6M | $693.0M | ||
| Q1 24 | $279.2M | $698.4M |
| Q4 25 | $268.1M | $5.8B | ||
| Q3 25 | $306.2M | $5.7B | ||
| Q2 25 | $314.7M | $5.7B | ||
| Q1 25 | $310.9M | $5.7B | ||
| Q4 24 | $303.2M | $5.7B | ||
| Q3 24 | $315.3M | $5.7B | ||
| Q2 24 | $318.1M | $5.7B | ||
| Q1 24 | $315.4M | $5.9B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.95× | ||
| 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 | $53.7M |
| Free Cash FlowOCF − Capex | $-2.4M | $52.5M |
| FCF MarginFCF / Revenue | -7.1% | 127.1% |
| Capex IntensityCapex / Revenue | 2.9% | 2.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $89.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $53.7M | ||
| Q3 25 | — | $13.9M | ||
| Q2 25 | $7.9M | $14.1M | ||
| Q1 25 | $3.0M | $9.4M | ||
| Q4 24 | $7.2M | $31.1M | ||
| Q3 24 | $22.2M | $14.0M | ||
| Q2 24 | $4.0M | $6.9M | ||
| Q1 24 | $-5.7M | $4.2M |
| Q4 25 | $-2.4M | $52.5M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | $7.5M | $13.9M | ||
| Q1 25 | $654.0K | $9.2M | ||
| Q4 24 | $5.1M | $30.0M | ||
| Q3 24 | $18.2M | $13.7M | ||
| Q2 24 | $2.8M | $6.7M | ||
| Q1 24 | $-7.7M | $3.8M |
| Q4 25 | -7.1% | 127.1% | ||
| Q3 25 | — | 34.6% | ||
| Q2 25 | 15.1% | 35.7% | ||
| Q1 25 | 1.4% | 26.3% | ||
| Q4 24 | 17.1% | 81.6% | ||
| Q3 24 | 323.0% | 43.2% | ||
| Q2 24 | 5.8% | 21.1% | ||
| Q1 24 | -20.8% | 12.1% |
| Q4 25 | 2.9% | 2.8% | ||
| Q3 25 | 2.0% | 0.8% | ||
| Q2 25 | 0.8% | 0.6% | ||
| Q1 25 | 5.1% | 0.7% | ||
| Q4 24 | 7.0% | 3.1% | ||
| Q3 24 | 71.4% | 0.7% | ||
| Q2 24 | 2.5% | 0.8% | ||
| Q1 24 | 5.3% | 1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.29× | ||
| Q2 25 | 4.93× | 1.48× | ||
| Q1 25 | 2.30× | 1.20× | ||
| Q4 24 | — | 2.76× | ||
| Q3 24 | — | 2.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
