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Side-by-side financial comparison of Cloudflare, Inc. (NET) and VALLEY NATIONAL BANCORP (VLY). Click either name above to swap in a different company.
Cloudflare, Inc. is the larger business by last-quarter revenue ($614.5M vs $540.4M, roughly 1.1× VALLEY NATIONAL BANCORP). VALLEY NATIONAL BANCORP runs the higher net margin — 30.3% vs -2.0%, a 32.3% gap on every dollar of revenue. On growth, Cloudflare, Inc. posted the faster year-over-year revenue change (33.6% vs 13.0%). Over the past eight quarters, Cloudflare, Inc.'s revenue compounded faster (27.4% CAGR vs 16.0%).
Cloudflare, Inc. is an American technology company headquartered in San Francisco, California, that provides a range of internet services, including content delivery network (CDN) services, cloud cybersecurity, DDoS mitigation, and ICANN-accredited domain registration. The company's services act primarily as a reverse proxy between website visitors and a customer's hosting provider, improving performance and protecting against malicious traffic.
VALLEY NATIONAL BANCORPVLYEarnings & Financial Report
North Valley Bancorp was a bank holding company headquartered in Redding, California. The company operated 22 branches. The company was acquired by TriCo Bancshares in October 2014, in a merger valued at more than $178 million.
NET vs VLY — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $614.5M | $540.4M |
| Net Profit | $-12.1M | $163.9M |
| Gross Margin | 73.6% | — |
| Operating Margin | -8.0% | — |
| Net Margin | -2.0% | 30.3% |
| Revenue YoY | 33.6% | 13.0% |
| Net Profit YoY | 6.0% | 54.6% |
| EPS (diluted) | $-0.03 | $0.29 |
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.
| Q1 26 | — | $540.4M | ||
| Q4 25 | $614.5M | $464.9M | ||
| Q3 25 | $562.0M | $446.2M | ||
| Q2 25 | $512.3M | $432.4M | ||
| Q1 25 | $479.1M | $420.1M | ||
| Q4 24 | $459.9M | $423.0M | ||
| Q3 24 | $430.1M | $410.5M | ||
| Q2 24 | $401.0M | $401.7M |
| Q1 26 | — | $163.9M | ||
| Q4 25 | $-12.1M | $195.4M | ||
| Q3 25 | $-1.3M | $163.4M | ||
| Q2 25 | $-50.4M | $133.2M | ||
| Q1 25 | $-38.5M | $106.1M | ||
| Q4 24 | $-12.8M | $115.7M | ||
| Q3 24 | $-15.3M | $97.9M | ||
| Q2 24 | $-15.1M | $70.4M |
| Q1 26 | — | — | ||
| Q4 25 | 73.6% | — | ||
| Q3 25 | 74.0% | — | ||
| Q2 25 | 74.9% | — | ||
| Q1 25 | 75.9% | — | ||
| Q4 24 | 76.4% | — | ||
| Q3 24 | 77.7% | — | ||
| Q2 24 | 77.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 47.7% | ||
| Q3 25 | -6.7% | 47.1% | ||
| Q2 25 | -13.1% | 40.0% | ||
| Q1 25 | -11.1% | 33.1% | ||
| Q4 24 | -7.5% | 21.1% | ||
| Q3 24 | -7.2% | 30.9% | ||
| Q2 24 | -8.7% | 23.2% |
| Q1 26 | — | 30.3% | ||
| Q4 25 | -2.0% | 42.0% | ||
| Q3 25 | -0.2% | 36.6% | ||
| Q2 25 | -9.8% | 30.8% | ||
| Q1 25 | -8.0% | 25.2% | ||
| Q4 24 | -2.8% | 27.4% | ||
| Q3 24 | -3.6% | 23.8% | ||
| Q2 24 | -3.8% | 17.5% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | $-0.03 | $0.33 | ||
| Q3 25 | $0.00 | $0.28 | ||
| Q2 25 | $-0.15 | $0.22 | ||
| Q1 25 | $-0.11 | $0.18 | ||
| Q4 24 | $-0.05 | $0.20 | ||
| Q3 24 | $-0.04 | $0.18 | ||
| Q2 24 | $-0.04 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $943.5M | — |
| Total DebtLower is stronger | — | $2.6B |
| Stockholders' EquityBook value | $1.5B | $7.9B |
| Total Assets | $6.0B | $64.5B |
| Debt / EquityLower = less leverage | — | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $943.5M | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $204.5M | — | ||
| Q4 24 | $147.7M | — | ||
| Q3 24 | $182.9M | — | ||
| Q2 24 | $157.0M | — |
| Q1 26 | — | $2.6B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $7.9B | ||
| Q4 25 | $1.5B | $7.8B | ||
| Q3 25 | $1.3B | $7.7B | ||
| Q2 25 | $1.2B | $7.6B | ||
| Q1 25 | $1.4B | $7.5B | ||
| Q4 24 | $1.0B | $7.4B | ||
| Q3 24 | $973.1M | $7.0B | ||
| Q2 24 | $881.5M | $6.7B |
| Q1 26 | — | $64.5B | ||
| Q4 25 | $6.0B | $64.1B | ||
| Q3 25 | $5.8B | $63.0B | ||
| Q2 25 | $5.6B | $62.7B | ||
| Q1 25 | $3.7B | $61.9B | ||
| Q4 24 | $3.3B | $62.5B | ||
| Q3 24 | $3.1B | $62.1B | ||
| Q2 24 | $2.9B | $62.1B |
| Q1 26 | — | 0.33× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $190.4M | — |
| Free Cash FlowOCF − Capex | $105.2M | — |
| FCF MarginFCF / Revenue | 17.1% | — |
| Capex IntensityCapex / Revenue | 13.9% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $287.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $190.4M | $196.6M | ||
| Q3 25 | $167.1M | $5.2M | ||
| Q2 25 | $99.8M | $159.2M | ||
| Q1 25 | $145.8M | $-17.1M | ||
| Q4 24 | $127.3M | $392.2M | ||
| Q3 24 | $104.7M | $-157.2M | ||
| Q2 24 | $74.8M | $214.0M |
| Q1 26 | — | — | ||
| Q4 25 | $105.2M | $187.5M | ||
| Q3 25 | $82.5M | $2.3M | ||
| Q2 25 | $39.9M | $156.0M | ||
| Q1 25 | $59.9M | $-20.2M | ||
| Q4 24 | $54.2M | $385.8M | ||
| Q3 24 | $54.5M | $-160.5M | ||
| Q2 24 | $45.2M | $211.3M |
| Q1 26 | — | — | ||
| Q4 25 | 17.1% | 40.3% | ||
| Q3 25 | 14.7% | 0.5% | ||
| Q2 25 | 7.8% | 36.1% | ||
| Q1 25 | 12.5% | -4.8% | ||
| Q4 24 | 11.8% | 91.2% | ||
| Q3 24 | 12.7% | -39.1% | ||
| Q2 24 | 11.3% | 52.6% |
| Q1 26 | — | — | ||
| Q4 25 | 13.9% | 2.0% | ||
| Q3 25 | 15.1% | 0.6% | ||
| Q2 25 | 11.7% | 0.7% | ||
| Q1 25 | 17.9% | 0.7% | ||
| Q4 24 | 15.9% | 1.5% | ||
| Q3 24 | 11.7% | 0.8% | ||
| Q2 24 | 7.4% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.01× | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 1.20× | ||
| Q1 25 | — | -0.16× | ||
| Q4 24 | — | 3.39× | ||
| Q3 24 | — | -1.61× | ||
| Q2 24 | — | 3.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
VLY
Segment breakdown not available.
