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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK). Click either name above to swap in a different company.
Clearfield, Inc. is the larger business by last-quarter revenue ($34.3M vs $21.5M, roughly 1.6× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -1.8%, a 32.6% gap on every dollar of revenue. On growth, PEOPLES BANCORP OF NORTH CAROLINA INC posted the faster year-over-year revenue change (5.6% vs -3.2%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $-2.4M). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
PEOPLES BANCORP OF NORTH CAROLINA INC is a regional bank holding company headquartered in North Carolina, U.S. It offers a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving local residents, small and medium-sized enterprises, and community organizations across its operating areas in North Carolina.
CLFD vs PEBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $21.5M |
| Net Profit | $-614.0K | $6.6M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 40.7% |
| Net Margin | -1.8% | 30.8% |
| Revenue YoY | -3.2% | 5.6% |
| Net Profit YoY | 67.8% | 86.4% |
| EPS (diluted) | $-0.04 | $1.21 |
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 | $21.5M | ||
| Q3 25 | $23.4M | $21.4M | ||
| Q2 25 | $49.9M | $20.7M | ||
| Q1 25 | $47.2M | $20.0M | ||
| Q4 24 | $29.7M | $20.4M | ||
| Q3 24 | $5.6M | $20.5M | ||
| Q2 24 | $48.8M | $20.1M | ||
| Q1 24 | $36.9M | $19.8M |
| Q4 25 | $-614.0K | $6.6M | ||
| Q3 25 | $-9.1M | $3.7M | ||
| Q2 25 | $1.6M | $5.2M | ||
| Q1 25 | $1.3M | $4.3M | ||
| Q4 24 | $-1.9M | $3.6M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | $-447.0K | $4.9M | ||
| Q1 24 | $-5.9M | $3.9M |
| 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% | 40.7% | ||
| Q3 25 | 10.3% | 22.4% | ||
| Q2 25 | 3.0% | 32.2% | ||
| Q1 25 | 0.6% | 28.2% | ||
| Q4 24 | -6.9% | 22.5% | ||
| Q3 24 | — | 26.0% | ||
| Q2 24 | -4.7% | 31.3% | ||
| Q1 24 | -26.4% | 23.9% |
| Q4 25 | -1.8% | 30.8% | ||
| Q3 25 | -38.8% | 17.2% | ||
| Q2 25 | 3.2% | 24.9% | ||
| Q1 25 | 2.8% | 21.8% | ||
| Q4 24 | -6.4% | 17.5% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | -0.9% | 24.4% | ||
| Q1 24 | -16.0% | 19.9% |
| Q4 25 | $-0.04 | $1.21 | ||
| Q3 25 | $-0.65 | $0.67 | ||
| Q2 25 | $0.11 | $0.95 | ||
| Q1 25 | $0.09 | $0.79 | ||
| Q4 24 | $-0.13 | $0.65 | ||
| Q3 24 | — | $0.72 | ||
| Q2 24 | $-0.04 | $0.89 | ||
| Q1 24 | $-0.40 | $0.72 |
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 | $58.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $249.7M | $157.1M |
| Total Assets | $268.1M | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.4M | $58.1M | ||
| Q3 25 | $106.0M | — | ||
| Q2 25 | $117.2M | — | ||
| Q1 25 | $112.0M | — | ||
| Q4 24 | $113.0M | $59.3M | ||
| Q3 24 | $129.0M | $73.2M | ||
| 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 | $157.1M | ||
| Q3 25 | $256.2M | $149.5M | ||
| Q2 25 | $264.5M | $144.0M | ||
| Q1 25 | $265.9M | $138.5M | ||
| Q4 24 | $267.4M | $130.6M | ||
| Q3 24 | $275.8M | $136.3M | ||
| Q2 24 | $274.6M | $124.3M | ||
| Q1 24 | $279.2M | $121.1M |
| Q4 25 | $268.1M | $1.7B | ||
| Q3 25 | $306.2M | $1.7B | ||
| Q2 25 | $314.7M | $1.7B | ||
| Q1 25 | $310.9M | $1.7B | ||
| Q4 24 | $303.2M | $1.7B | ||
| Q3 24 | $315.3M | $1.7B | ||
| Q2 24 | $318.1M | $1.7B | ||
| Q1 24 | $315.4M | $1.7B |
| 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 | $21.4M |
| Free Cash FlowOCF − Capex | $-2.4M | $20.0M |
| FCF MarginFCF / Revenue | -7.1% | 92.7% |
| Capex IntensityCapex / Revenue | 2.9% | 6.6% |
| Cash ConversionOCF / Net Profit | — | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $21.4M | ||
| Q3 25 | — | $4.7M | ||
| Q2 25 | $7.9M | $5.5M | ||
| Q1 25 | $3.0M | $5.9M | ||
| Q4 24 | $7.2M | $20.6M | ||
| Q3 24 | $22.2M | $4.9M | ||
| Q2 24 | $4.0M | $6.7M | ||
| Q1 24 | $-5.7M | $3.7M |
| Q4 25 | $-2.4M | $20.0M | ||
| Q3 25 | — | $4.4M | ||
| Q2 25 | $7.5M | $5.4M | ||
| Q1 25 | $654.0K | $5.2M | ||
| Q4 24 | $5.1M | $20.0M | ||
| Q3 24 | $18.2M | $4.7M | ||
| Q2 24 | $2.8M | $6.6M | ||
| Q1 24 | $-7.7M | $3.5M |
| Q4 25 | -7.1% | 92.7% | ||
| Q3 25 | — | 20.4% | ||
| Q2 25 | 15.1% | 25.9% | ||
| Q1 25 | 1.4% | 25.8% | ||
| Q4 24 | 17.1% | 98.0% | ||
| Q3 24 | 323.0% | 22.9% | ||
| Q2 24 | 5.8% | 32.7% | ||
| Q1 24 | -20.8% | 17.9% |
| Q4 25 | 2.9% | 6.6% | ||
| Q3 25 | 2.0% | 1.5% | ||
| Q2 25 | 0.8% | 0.5% | ||
| Q1 25 | 5.1% | 3.8% | ||
| Q4 24 | 7.0% | 2.9% | ||
| Q3 24 | 71.4% | 1.0% | ||
| Q2 24 | 2.5% | 0.4% | ||
| Q1 24 | 5.3% | 0.6% |
| Q4 25 | — | 3.22× | ||
| Q3 25 | — | 1.27× | ||
| Q2 25 | 4.93× | 1.06× | ||
| Q1 25 | 2.30× | 1.36× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
