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Side-by-side financial comparison of Clearfield, Inc. (CLFD) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $34.3M, roughly 1.0× Clearfield, Inc.). UNITY BANCORP INC runs the higher net margin — 43.9% vs -1.8%, a 45.7% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -3.2%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $-2.4M). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs -3.5%).
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
CLFD vs UNTY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $34.3M | $35.3M |
| Net Profit | $-614.0K | $15.5M |
| Gross Margin | 33.2% | — |
| Operating Margin | -5.3% | 55.8% |
| Net Margin | -1.8% | 43.9% |
| Revenue YoY | -3.2% | 24.2% |
| Net Profit YoY | 67.8% | 34.5% |
| EPS (diluted) | $-0.04 | $1.52 |
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 | $35.3M | ||
| Q3 25 | $23.4M | $32.8M | ||
| Q2 25 | $49.9M | $34.4M | ||
| Q1 25 | $47.2M | $29.4M | ||
| Q4 24 | $29.7M | $28.4M | ||
| Q3 24 | $5.6M | $27.7M | ||
| Q2 24 | $48.8M | $25.5M | ||
| Q1 24 | $36.9M | $25.6M |
| Q4 25 | $-614.0K | $15.5M | ||
| Q3 25 | $-9.1M | $14.4M | ||
| Q2 25 | $1.6M | $16.5M | ||
| Q1 25 | $1.3M | $11.6M | ||
| Q4 24 | $-1.9M | $11.5M | ||
| Q3 24 | — | $10.9M | ||
| Q2 24 | $-447.0K | $9.5M | ||
| Q1 24 | $-5.9M | $9.6M |
| 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% | 55.8% | ||
| Q3 25 | 10.3% | 57.5% | ||
| Q2 25 | 3.0% | 62.6% | ||
| Q1 25 | 0.6% | 52.6% | ||
| Q4 24 | -6.9% | 51.0% | ||
| Q3 24 | — | 52.7% | ||
| Q2 24 | -4.7% | 49.3% | ||
| Q1 24 | -26.4% | 50.0% |
| Q4 25 | -1.8% | 43.9% | ||
| Q3 25 | -38.8% | 43.8% | ||
| Q2 25 | 3.2% | 48.0% | ||
| Q1 25 | 2.8% | 39.5% | ||
| Q4 24 | -6.4% | 40.5% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | -0.9% | 37.1% | ||
| Q1 24 | -16.0% | 37.5% |
| Q4 25 | $-0.04 | $1.52 | ||
| Q3 25 | $-0.65 | $1.41 | ||
| Q2 25 | $0.11 | $1.61 | ||
| Q1 25 | $0.09 | $1.13 | ||
| Q4 24 | $-0.13 | $1.13 | ||
| Q3 24 | — | $1.07 | ||
| Q2 24 | $-0.04 | $0.92 | ||
| Q1 24 | $-0.40 | $0.94 |
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 | $345.6M |
| Total Assets | $268.1M | $3.0B |
| 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 | — | $230.8M | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | — | — |
| Q4 25 | $249.7M | $345.6M | ||
| Q3 25 | $256.2M | $334.0M | ||
| Q2 25 | $264.5M | $319.8M | ||
| Q1 25 | $265.9M | $306.1M | ||
| Q4 24 | $267.4M | $295.6M | ||
| Q3 24 | $275.8M | $284.3M | ||
| Q2 24 | $274.6M | $273.4M | ||
| Q1 24 | $279.2M | $266.8M |
| Q4 25 | $268.1M | $3.0B | ||
| Q3 25 | $306.2M | $2.9B | ||
| Q2 25 | $314.7M | $2.9B | ||
| Q1 25 | $310.9M | $2.8B | ||
| Q4 24 | $303.2M | $2.7B | ||
| Q3 24 | $315.3M | $2.6B | ||
| Q2 24 | $318.1M | $2.6B | ||
| Q1 24 | $315.4M | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| 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 | $44.9M |
| Free Cash FlowOCF − Capex | $-2.4M | $44.3M |
| FCF MarginFCF / Revenue | -7.1% | 125.7% |
| Capex IntensityCapex / Revenue | 2.9% | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | — | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.4M | $44.9M | ||
| Q3 25 | — | $45.5M | ||
| Q2 25 | $7.9M | $-25.3M | ||
| Q1 25 | $3.0M | $17.9M | ||
| Q4 24 | $7.2M | $48.0M | ||
| Q3 24 | $22.2M | $17.7M | ||
| Q2 24 | $4.0M | $-8.4M | ||
| Q1 24 | $-5.7M | $15.8M |
| Q4 25 | $-2.4M | $44.3M | ||
| Q3 25 | — | $45.3M | ||
| Q2 25 | $7.5M | $-25.5M | ||
| Q1 25 | $654.0K | $17.6M | ||
| Q4 24 | $5.1M | $47.3M | ||
| Q3 24 | $18.2M | $17.5M | ||
| Q2 24 | $2.8M | $-8.6M | ||
| Q1 24 | $-7.7M | $15.7M |
| Q4 25 | -7.1% | 125.7% | ||
| Q3 25 | — | 138.1% | ||
| Q2 25 | 15.1% | -74.2% | ||
| Q1 25 | 1.4% | 59.9% | ||
| Q4 24 | 17.1% | 166.5% | ||
| Q3 24 | 323.0% | 63.3% | ||
| Q2 24 | 5.8% | -33.7% | ||
| Q1 24 | -20.8% | 61.4% |
| Q4 25 | 2.9% | 1.6% | ||
| Q3 25 | 2.0% | 0.7% | ||
| Q2 25 | 0.8% | 0.5% | ||
| Q1 25 | 5.1% | 1.0% | ||
| Q4 24 | 7.0% | 2.4% | ||
| Q3 24 | 71.4% | 0.5% | ||
| Q2 24 | 2.5% | 0.5% | ||
| Q1 24 | 5.3% | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | 4.93× | -1.54× | ||
| Q1 25 | 2.30× | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
