vs
Bank First Corp（BFC）与Clearfield, Inc.（CLFD）财务数据对比。点击上方公司名可切换其他公司
Bank First Corp的季度营收约是Clearfield, Inc.的1.3倍（$44.9M vs $34.3M），Bank First Corp净利率更高（45.8% vs -1.8%，领先47.6%），Bank First Corp同比增速更快（12.1% vs -3.2%），Bank First Corp自由现金流更多（$51.0M vs $-2.4M），过去两年Bank First Corp的营收复合增速更高（9.1% vs -3.5%）
First Horizon Corporation（前身为田纳西第一银行）是一家成立于1864年、总部位于美国田纳西州孟菲斯的金融服务企业。通过旗下子公司First Horizon银行，其业务覆盖美国东南部12个州，是该区域第四大区域性银行。
Clearfield, Inc.总部位于美国明尼苏达州明尼阿波利斯市，是一家专注于光纤产品研发生产的企业，其产品主要应用于光纤通信网络建设领域，为通信基础设施部署提供相关硬件支撑。
BFC vs CLFD — 直观对比
营收规模更大
BFC
是对方的1.3倍
$34.3M
营收增速更快
BFC
高出15.3%
-3.2%
净利率更高
BFC
高出47.6%
-1.8%
自由现金流更多
BFC
多$53.5M
$-2.4M
两年增速更快
BFC
近两年复合增速
-3.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $44.9M | $34.3M |
| 净利润 | $18.4M | $-614.0K |
| 毛利率 | — | 33.2% |
| 营业利润率 | 51.0% | -5.3% |
| 净利率 | 45.8% | -1.8% |
| 营收同比 | 12.1% | -3.2% |
| 净利润同比 | 4.8% | 67.8% |
| 每股收益（稀释后） | $1.87 | $-0.04 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收BFCCLFD
| Q4 25 | $44.9M | $34.3M | ||
| Q3 25 | $44.2M | $23.4M | ||
| Q2 25 | $41.6M | $49.9M | ||
| Q1 25 | $43.1M | $47.2M | ||
| Q4 24 | $40.1M | $29.7M | ||
| Q3 24 | $40.8M | $5.6M | ||
| Q2 24 | $38.9M | $48.8M | ||
| Q1 24 | $37.7M | $36.9M |
净利润BFCCLFD
| Q4 25 | $18.4M | $-614.0K | ||
| Q3 25 | $18.0M | $-9.1M | ||
| Q2 25 | $16.9M | $1.6M | ||
| Q1 25 | $18.2M | $1.3M | ||
| Q4 24 | $17.5M | $-1.9M | ||
| Q3 24 | $16.6M | — | ||
| Q2 24 | $16.1M | $-447.0K | ||
| Q1 24 | $15.4M | $-5.9M |
毛利率BFCCLFD
| 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% |
营业利润率BFCCLFD
| Q4 25 | 51.0% | -5.3% | ||
| Q3 25 | 50.8% | 10.3% | ||
| Q2 25 | 49.7% | 3.0% | ||
| Q1 25 | 51.3% | 0.6% | ||
| Q4 24 | 54.4% | -6.9% | ||
| Q3 24 | 50.7% | — | ||
| Q2 24 | 51.0% | -4.7% | ||
| Q1 24 | 45.6% | -26.4% |
净利率BFCCLFD
| Q4 25 | 45.8% | -1.8% | ||
| Q3 25 | 40.7% | -38.8% | ||
| Q2 25 | 40.5% | 3.2% | ||
| Q1 25 | 42.3% | 2.8% | ||
| Q4 24 | 49.3% | -6.4% | ||
| Q3 24 | 40.6% | — | ||
| Q2 24 | 41.3% | -0.9% | ||
| Q1 24 | 40.8% | -16.0% |
每股收益（稀释后）BFCCLFD
| Q4 25 | $1.87 | $-0.04 | ||
| Q3 25 | $1.83 | $-0.65 | ||
| Q2 25 | $1.71 | $0.11 | ||
| Q1 25 | $1.82 | $0.09 | ||
| Q4 24 | $1.75 | $-0.13 | ||
| Q3 24 | $1.65 | — | ||
| Q2 24 | $1.59 | $-0.04 | ||
| Q1 24 | $1.51 | $-0.40 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $243.2M | $96.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $643.8M | $249.7M |
| 总资产 | $4.5B | $268.1M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资BFCCLFD
| Q4 25 | $243.2M | $96.4M | ||
| Q3 25 | $126.2M | $106.0M | ||
| Q2 25 | $120.3M | $117.2M | ||
| Q1 25 | $300.9M | $112.0M | ||
| Q4 24 | $261.3M | $113.0M | ||
| Q3 24 | $204.4M | $129.0M | ||
| Q2 24 | $99.0M | $123.8M | ||
| Q1 24 | $83.4M | $142.9M |
总债务BFCCLFD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
股东权益BFCCLFD
| Q4 25 | $643.8M | $249.7M | ||
| Q3 25 | $628.1M | $256.2M | ||
| Q2 25 | $612.3M | $264.5M | ||
| Q1 25 | $648.4M | $265.9M | ||
| Q4 24 | $639.7M | $267.4M | ||
| Q3 24 | $628.9M | $275.8M | ||
| Q2 24 | $614.6M | $274.6M | ||
| Q1 24 | $609.3M | $279.2M |
总资产BFCCLFD
| Q4 25 | $4.5B | $268.1M | ||
| Q3 25 | $4.4B | $306.2M | ||
| Q2 25 | $4.4B | $314.7M | ||
| Q1 25 | $4.5B | $310.9M | ||
| Q4 24 | $4.5B | $303.2M | ||
| Q3 24 | $4.3B | $315.3M | ||
| Q2 24 | $4.1B | $318.1M | ||
| Q1 24 | $4.1B | $315.4M |
负债/权益比BFCCLFD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| Q1 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $62.5M | $-1.4M |
| 自由现金流经营现金流 - 资本支出 | $51.0M | $-2.4M |
| 自由现金流率自由现金流/营收 | 113.6% | -7.1% |
| 资本支出强度资本支出/营收 | 25.5% | 2.9% |
| 现金转化率经营现金流/净利润 | 3.40× | — |
| 过去12个月自由现金流最近4个季度 | $75.8M | — |
8季度趋势，按日历期对齐
经营现金流BFCCLFD
| Q4 25 | $62.5M | $-1.4M | ||
| Q3 25 | $15.5M | — | ||
| Q2 25 | $11.9M | $7.9M | ||
| Q1 25 | $6.2M | $3.0M | ||
| Q4 24 | $65.8M | $7.2M | ||
| Q3 24 | $18.8M | $22.2M | ||
| Q2 24 | $14.9M | $4.0M | ||
| Q1 24 | $1.3M | $-5.7M |
自由现金流BFCCLFD
| Q4 25 | $51.0M | $-2.4M | ||
| Q3 25 | $12.5M | — | ||
| Q2 25 | $8.2M | $7.5M | ||
| Q1 25 | $4.0M | $654.0K | ||
| Q4 24 | $58.6M | $5.1M | ||
| Q3 24 | $16.9M | $18.2M | ||
| Q2 24 | $13.7M | $2.8M | ||
| Q1 24 | $551.0K | $-7.7M |
自由现金流率BFCCLFD
| Q4 25 | 113.6% | -7.1% | ||
| Q3 25 | 28.2% | — | ||
| Q2 25 | 19.8% | 15.1% | ||
| Q1 25 | 9.3% | 1.4% | ||
| Q4 24 | 146.3% | 17.1% | ||
| Q3 24 | 41.5% | 323.0% | ||
| Q2 24 | 35.3% | 5.8% | ||
| Q1 24 | 1.5% | -20.8% |
资本支出强度BFCCLFD
| Q4 25 | 25.5% | 2.9% | ||
| Q3 25 | 6.7% | 2.0% | ||
| Q2 25 | 8.7% | 0.8% | ||
| Q1 25 | 5.0% | 5.1% | ||
| Q4 24 | 18.0% | 7.0% | ||
| Q3 24 | 4.5% | 71.4% | ||
| Q2 24 | 3.1% | 2.5% | ||
| Q1 24 | 2.1% | 5.3% |
现金转化率BFCCLFD
| Q4 25 | 3.40× | — | ||
| Q3 25 | 0.86× | — | ||
| Q2 25 | 0.70× | 4.93× | ||
| Q1 25 | 0.34× | 2.30× | ||
| Q4 24 | 3.75× | — | ||
| Q3 24 | 1.13× | — | ||
| Q2 24 | 0.93× | — | ||
| Q1 24 | 0.09× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
