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Clearfield, Inc.（CLFD）与FIRST BUSINESS FINANCIAL SERVICES, INC.（FBIZ）财务数据对比。点击上方公司名可切换其他公司
FIRST BUSINESS FINANCIAL SERVICES, INC.的季度营收约是Clearfield, Inc.的1.3倍（$44.3M vs $34.3M），FIRST BUSINESS FINANCIAL SERVICES, INC.净利率更高（27.5% vs -1.8%，领先29.3%），FIRST BUSINESS FINANCIAL SERVICES, INC.同比增速更快（8.5% vs -3.2%），过去两年FIRST BUSINESS FINANCIAL SERVICES, INC.的营收复合增速更高（8.0% vs -3.5%）
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。
PNC金融服务集团是一家总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业。旗下核心子银行PNC银行在全美27个州及哥伦比亚特区开展业务，拥有2629家分行与9523台自动柜员机，按资产、网点数量、存款规模及ATM规模计算，是美国规模最大的银行机构之一。
CLFD vs FBIZ — 直观对比
营收规模更大
FBIZ
是对方的1.3倍
$34.3M
营收增速更快
FBIZ
高出11.7%
-3.2%
净利率更高
FBIZ
高出29.3%
-1.8%
两年增速更快
FBIZ
近两年复合增速
-3.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.3M | $44.3M |
| 净利润 | $-614.0K | $12.2M |
| 毛利率 | 33.2% | — |
| 营业利润率 | -5.3% | — |
| 净利率 | -1.8% | 27.5% |
| 营收同比 | -3.2% | 8.5% |
| 净利润同比 | 67.8% | 9.2% |
| 每股收益（稀释后） | $-0.04 | $1.44 |
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CLFDFBIZ
| Q1 26 | — | $44.3M | ||
| Q4 25 | $34.3M | $42.2M | ||
| Q3 25 | $23.4M | $44.5M | ||
| Q2 25 | $49.9M | $41.0M | ||
| Q1 25 | $47.2M | $40.8M | ||
| Q4 24 | $29.7M | $41.2M | ||
| Q3 24 | $5.6M | $38.1M | ||
| Q2 24 | $48.8M | $38.0M |
净利润CLFDFBIZ
| Q1 26 | — | $12.2M | ||
| Q4 25 | $-614.0K | $13.3M | ||
| Q3 25 | $-9.1M | $14.4M | ||
| Q2 25 | $1.6M | $11.4M | ||
| Q1 25 | $1.3M | $11.2M | ||
| Q4 24 | $-1.9M | $14.4M | ||
| Q3 24 | — | $10.5M | ||
| Q2 24 | $-447.0K | $10.5M |
毛利率CLFDFBIZ
| Q1 26 | — | — | ||
| 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% | — |
营业利润率CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | -5.3% | 38.5% | ||
| Q3 25 | 10.3% | 39.0% | ||
| Q2 25 | 3.0% | 32.6% | ||
| Q1 25 | 0.6% | 33.0% | ||
| Q4 24 | -6.9% | 37.2% | ||
| Q3 24 | — | 33.8% | ||
| Q2 24 | -4.7% | 32.6% |
净利率CLFDFBIZ
| Q1 26 | — | 27.5% | ||
| Q4 25 | -1.8% | 31.6% | ||
| Q3 25 | -38.8% | 32.3% | ||
| Q2 25 | 3.2% | 27.8% | ||
| Q1 25 | 2.8% | 27.4% | ||
| Q4 24 | -6.4% | 35.0% | ||
| Q3 24 | — | 27.6% | ||
| Q2 24 | -0.9% | 27.5% |
每股收益（稀释后）CLFDFBIZ
| Q1 26 | — | $1.44 | ||
| Q4 25 | $-0.04 | $1.57 | ||
| Q3 25 | $-0.65 | $1.70 | ||
| Q2 25 | $0.11 | $1.35 | ||
| Q1 25 | $0.09 | $1.32 | ||
| Q4 24 | $-0.13 | $1.69 | ||
| Q3 24 | — | $1.24 | ||
| Q2 24 | $-0.04 | $1.23 |
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 | $96.4M | $265.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $249.7M | — |
| 总资产 | $268.1M | $4.3B |
| 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CLFDFBIZ
| Q1 26 | — | $265.8M | ||
| Q4 25 | $96.4M | $39.5M | ||
| Q3 25 | $106.0M | $44.3M | ||
| Q2 25 | $117.2M | $123.2M | ||
| Q1 25 | $112.0M | $170.6M | ||
| Q4 24 | $113.0M | $157.7M | ||
| Q3 24 | $129.0M | $132.0M | ||
| Q2 24 | $123.8M | $81.1M |
总债务CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — |
股东权益CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | $249.7M | $371.6M | ||
| Q3 25 | $256.2M | $358.3M | ||
| Q2 25 | $264.5M | $344.8M | ||
| Q1 25 | $265.9M | $336.1M | ||
| Q4 24 | $267.4M | $328.6M | ||
| Q3 24 | $275.8M | $312.0M | ||
| Q2 24 | $274.6M | $305.2M |
总资产CLFDFBIZ
| Q1 26 | — | $4.3B | ||
| Q4 25 | $268.1M | $4.1B | ||
| Q3 25 | $306.2M | $4.0B | ||
| Q2 25 | $314.7M | $4.0B | ||
| Q1 25 | $310.9M | $3.9B | ||
| Q4 24 | $303.2M | $3.9B | ||
| Q3 24 | $315.3M | $3.7B | ||
| Q2 24 | $318.1M | $3.9B |
负债/权益比CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.01× | — | ||
| Q2 24 | 0.01× | — |
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 | $-1.4M | — |
| 自由现金流经营现金流 - 资本支出 | $-2.4M | — |
| 自由现金流率自由现金流/营收 | -7.1% | — |
| 资本支出强度资本支出/营收 | 2.9% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | $-1.4M | $61.7M | ||
| Q3 25 | — | $18.4M | ||
| Q2 25 | $7.9M | $15.8M | ||
| Q1 25 | $3.0M | $11.3M | ||
| Q4 24 | $7.2M | $57.5M | ||
| Q3 24 | $22.2M | $13.8M | ||
| Q2 24 | $4.0M | $13.1M |
自由现金流CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | $-2.4M | $61.1M | ||
| Q3 25 | — | $18.3M | ||
| Q2 25 | $7.5M | $15.5M | ||
| Q1 25 | $654.0K | $11.2M | ||
| Q4 24 | $5.1M | $57.3M | ||
| Q3 24 | $18.2M | $13.2M | ||
| Q2 24 | $2.8M | $12.7M |
自由现金流率CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | -7.1% | 144.7% | ||
| Q3 25 | — | 41.0% | ||
| Q2 25 | 15.1% | 37.8% | ||
| Q1 25 | 1.4% | 27.5% | ||
| Q4 24 | 17.1% | 139.2% | ||
| Q3 24 | 323.0% | 34.6% | ||
| Q2 24 | 5.8% | 33.3% |
资本支出强度CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 1.4% | ||
| Q3 25 | 2.0% | 0.3% | ||
| Q2 25 | 0.8% | 0.8% | ||
| Q1 25 | 5.1% | 0.2% | ||
| Q4 24 | 7.0% | 0.5% | ||
| Q3 24 | 71.4% | 1.6% | ||
| Q2 24 | 2.5% | 1.1% |
现金转化率CLFDFBIZ
| Q1 26 | — | — | ||
| Q4 25 | — | 4.63× | ||
| Q3 25 | — | 1.28× | ||
| Q2 25 | 4.93× | 1.39× | ||
| Q1 25 | 2.30× | 1.01× | ||
| Q4 24 | — | 3.99× | ||
| Q3 24 | — | 1.31× | ||
| Q2 24 | — | 1.25× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
