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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Clearfield, Inc. is the larger business by last-quarter revenue ($34.3M vs $31.4M, roughly 1.1× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -1.8%, a 38.1% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -3.2%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-2.4M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
CLFD vs PDLB — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $31.4M |
| Net Profit | $-614.0K | $10.1M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 43.6% |
| Net Margin | -1.8% | 36.3% |
| Revenue YoY | -3.2% | 37.6% |
| Net Profit YoY | 67.8% | 245.6% |
| EPS (diluted) | $-0.04 | $0.43 |
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 | $31.4M | ||
| Q3 25 | $23.4M | $26.7M | ||
| Q2 25 | $49.9M | $26.5M | ||
| Q1 25 | $47.2M | $24.6M | ||
| Q4 24 | $29.7M | $22.8M | ||
| Q3 24 | $5.6M | $20.2M | ||
| Q2 24 | $48.8M | $20.2M | ||
| Q1 24 | $36.9M | $20.5M |
| Q4 25 | $-614.0K | $10.1M | ||
| Q3 25 | $-9.1M | $6.5M | ||
| Q2 25 | $1.6M | $6.1M | ||
| Q1 25 | $1.3M | $6.0M | ||
| Q4 24 | $-1.9M | $2.9M | ||
| Q3 24 | — | $2.4M | ||
| Q2 24 | $-447.0K | $3.2M | ||
| Q1 24 | $-5.9M | $2.4M |
| 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% | 43.6% | ||
| Q3 25 | 10.3% | 32.8% | ||
| Q2 25 | 3.0% | 30.2% | ||
| Q1 25 | 0.6% | 32.5% | ||
| Q4 24 | -6.9% | 19.6% | ||
| Q3 24 | — | 15.2% | ||
| Q2 24 | -4.7% | 21.8% | ||
| Q1 24 | -26.4% | 18.3% |
| Q4 25 | -1.8% | 36.3% | ||
| Q3 25 | -38.8% | 24.3% | ||
| Q2 25 | 3.2% | 23.0% | ||
| Q1 25 | 2.8% | 24.2% | ||
| Q4 24 | -6.4% | 14.1% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | -0.9% | 15.8% | ||
| Q1 24 | -16.0% | 11.8% |
| Q4 25 | $-0.04 | $0.43 | ||
| Q3 25 | $-0.65 | $0.27 | ||
| Q2 25 | $0.11 | $0.25 | ||
| Q1 25 | $0.09 | $0.25 | ||
| Q4 24 | $-0.13 | $0.11 | ||
| Q3 24 | — | $0.10 | ||
| Q2 24 | $-0.04 | $0.14 | ||
| Q1 24 | $-0.40 | $0.11 |
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 | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $249.7M | $541.5M |
| Total Assets | $268.1M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.4M | $126.2M | ||
| Q3 25 | $106.0M | $146.6M | ||
| Q2 25 | $117.2M | $126.6M | ||
| Q1 25 | $112.0M | $129.9M | ||
| Q4 24 | $113.0M | $139.8M | ||
| Q3 24 | $129.0M | $155.8M | ||
| Q2 24 | $123.8M | $103.2M | ||
| Q1 24 | $142.9M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | $2.2M | $580.4M | ||
| Q2 24 | $2.1M | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $249.7M | $541.5M | ||
| Q3 25 | $256.2M | $529.8M | ||
| Q2 25 | $264.5M | $521.1M | ||
| Q1 25 | $265.9M | $513.9M | ||
| Q4 24 | $267.4M | $505.5M | ||
| Q3 24 | $275.8M | $504.6M | ||
| Q2 24 | $274.6M | $497.7M | ||
| Q1 24 | $279.2M | $493.7M |
| Q4 25 | $268.1M | $3.2B | ||
| Q3 25 | $306.2M | $3.2B | ||
| Q2 25 | $314.7M | $3.2B | ||
| Q1 25 | $310.9M | $3.1B | ||
| Q4 24 | $303.2M | $3.0B | ||
| Q3 24 | $315.3M | $3.0B | ||
| Q2 24 | $318.1M | $2.8B | ||
| Q1 24 | $315.4M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | 0.01× | 1.15× | ||
| Q2 24 | 0.01× | 1.37× | ||
| Q1 24 | — | 1.38× |
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 | $55.6M |
| Free Cash FlowOCF − Capex | $-2.4M | $54.6M |
| FCF MarginFCF / Revenue | -7.1% | 173.9% |
| Capex IntensityCapex / Revenue | 2.9% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $55.6M | ||
| Q3 25 | — | $1.4M | ||
| Q2 25 | $7.9M | $6.2M | ||
| Q1 25 | $3.0M | $13.1M | ||
| Q4 24 | $7.2M | $7.2M | ||
| Q3 24 | $22.2M | $-14.6M | ||
| Q2 24 | $4.0M | $-2.6M | ||
| Q1 24 | $-5.7M | $1.5M |
| Q4 25 | $-2.4M | $54.6M | ||
| Q3 25 | — | $786.0K | ||
| Q2 25 | $7.5M | $5.9M | ||
| Q1 25 | $654.0K | $12.9M | ||
| Q4 24 | $5.1M | $4.5M | ||
| Q3 24 | $18.2M | $-15.0M | ||
| Q2 24 | $2.8M | $-2.6M | ||
| Q1 24 | $-7.7M | $-315.0K |
| Q4 25 | -7.1% | 173.9% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | 15.1% | 22.4% | ||
| Q1 25 | 1.4% | 52.6% | ||
| Q4 24 | 17.1% | 19.7% | ||
| Q3 24 | 323.0% | -74.1% | ||
| Q2 24 | 5.8% | -13.0% | ||
| Q1 24 | -20.8% | -1.5% |
| Q4 25 | 2.9% | 3.1% | ||
| Q3 25 | 2.0% | 2.3% | ||
| Q2 25 | 0.8% | 1.0% | ||
| Q1 25 | 5.1% | 0.6% | ||
| Q4 24 | 7.0% | 11.9% | ||
| Q3 24 | 71.4% | 2.0% | ||
| Q2 24 | 2.5% | 0.3% | ||
| Q1 24 | 5.3% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | 4.93× | 1.01× | ||
| Q1 25 | 2.30× | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
