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Clearfield, Inc.（CLFD）与Finwise Bancorp（FINW）财务数据对比。点击上方公司名可切换其他公司
Finwise Bancorp的季度营收约是Clearfield, Inc.的1.2倍（$42.7M vs $34.3M），Finwise Bancorp净利率更高（6.4% vs -1.8%，领先8.2%），过去两年Finwise Bancorp的营收复合增速更高（47.0% 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。
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
CLFD vs FINW — 直观对比
营收规模更大
FINW
是对方的1.2倍
$34.3M
净利率更高
FINW
高出8.2%
-1.8%
两年增速更快
FINW
近两年复合增速
-3.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.3M | $42.7M |
| 净利润 | $-614.0K | $2.7M |
| 毛利率 | 33.2% | — |
| 营业利润率 | -5.3% | — |
| 净利率 | -1.8% | 6.4% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 67.8% | — |
| 每股收益（稀释后） | $-0.04 | $0.20 |
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CLFDFINW
| Q1 26 | — | $42.7M | ||
| Q4 25 | $34.3M | $46.9M | ||
| Q3 25 | $23.4M | $36.7M | ||
| Q2 25 | $49.9M | $25.1M | ||
| Q1 25 | $47.2M | $22.1M | ||
| Q4 24 | $29.7M | $21.1M | ||
| Q3 24 | $5.6M | $20.8M | ||
| Q2 24 | $48.8M | $19.8M |
净利润CLFDFINW
| Q1 26 | — | $2.7M | ||
| Q4 25 | $-614.0K | $3.9M | ||
| Q3 25 | $-9.1M | $4.9M | ||
| Q2 25 | $1.6M | $4.1M | ||
| Q1 25 | $1.3M | $3.2M | ||
| Q4 24 | $-1.9M | $2.8M | ||
| Q3 24 | — | $3.5M | ||
| Q2 24 | $-447.0K | $3.2M |
毛利率CLFDFINW
| 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CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | -5.3% | 11.7% | ||
| Q3 25 | 10.3% | 17.5% | ||
| Q2 25 | 3.0% | 21.7% | ||
| Q1 25 | 0.6% | 20.1% | ||
| Q4 24 | -6.9% | 17.5% | ||
| Q3 24 | — | 22.2% | ||
| Q2 24 | -4.7% | 21.1% |
净利率CLFDFINW
| Q1 26 | — | 6.4% | ||
| Q4 25 | -1.8% | 8.4% | ||
| Q3 25 | -38.8% | 13.3% | ||
| Q2 25 | 3.2% | 16.3% | ||
| Q1 25 | 2.8% | 14.4% | ||
| Q4 24 | -6.4% | 13.2% | ||
| Q3 24 | — | 16.6% | ||
| Q2 24 | -0.9% | 16.1% |
每股收益（稀释后）CLFDFINW
| Q1 26 | — | $0.20 | ||
| Q4 25 | $-0.04 | $0.27 | ||
| Q3 25 | $-0.65 | $0.34 | ||
| Q2 25 | $0.11 | $0.29 | ||
| Q1 25 | $0.09 | $0.23 | ||
| Q4 24 | $-0.13 | $0.19 | ||
| Q3 24 | — | $0.25 | ||
| Q2 24 | $-0.04 | $0.24 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $249.7M | $196.6M |
| 总资产 | $268.1M | $899.4M |
| 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CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | $96.4M | $163.4M | ||
| Q3 25 | $106.0M | $105.6M | ||
| Q2 25 | $117.2M | $90.1M | ||
| Q1 25 | $112.0M | $120.3M | ||
| Q4 24 | $113.0M | $109.2M | ||
| Q3 24 | $129.0M | $85.8M | ||
| Q2 24 | $123.8M | $89.0M |
总债务CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — |
股东权益CLFDFINW
| Q1 26 | — | $196.6M | ||
| Q4 25 | $249.7M | $193.2M | ||
| Q3 25 | $256.2M | $187.8M | ||
| Q2 25 | $264.5M | $182.0M | ||
| Q1 25 | $265.9M | $177.4M | ||
| Q4 24 | $267.4M | $173.7M | ||
| Q3 24 | $275.8M | $170.4M | ||
| Q2 24 | $274.6M | $165.8M |
总资产CLFDFINW
| Q1 26 | — | $899.4M | ||
| Q4 25 | $268.1M | $977.1M | ||
| Q3 25 | $306.2M | $899.9M | ||
| Q2 25 | $314.7M | $842.5M | ||
| Q1 25 | $310.9M | $804.1M | ||
| Q4 24 | $303.2M | $746.0M | ||
| Q3 24 | $315.3M | $683.0M | ||
| Q2 24 | $318.1M | $617.8M |
负债/权益比CLFDFINW
| 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CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | $-1.4M | $-28.4M | ||
| Q3 25 | — | $3.5M | ||
| Q2 25 | $7.9M | $-18.3M | ||
| Q1 25 | $3.0M | $-21.6M | ||
| Q4 24 | $7.2M | $-15.0M | ||
| Q3 24 | $22.2M | $-9.8M | ||
| Q2 24 | $4.0M | $-7.6M |
自由现金流CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | $-2.4M | $-28.6M | ||
| Q3 25 | — | $3.4M | ||
| Q2 25 | $7.5M | $-19.8M | ||
| Q1 25 | $654.0K | $-23.3M | ||
| Q4 24 | $5.1M | $-16.1M | ||
| Q3 24 | $18.2M | $-13.4M | ||
| Q2 24 | $2.8M | $-7.7M |
自由现金流率CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | -7.1% | -61.1% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | 15.1% | -79.0% | ||
| Q1 25 | 1.4% | -105.3% | ||
| Q4 24 | 17.1% | -76.0% | ||
| Q3 24 | 323.0% | -64.3% | ||
| Q2 24 | 5.8% | -38.7% |
资本支出强度CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 0.5% | ||
| Q3 25 | 2.0% | 0.1% | ||
| Q2 25 | 0.8% | 5.8% | ||
| Q1 25 | 5.1% | 7.4% | ||
| Q4 24 | 7.0% | 5.1% | ||
| Q3 24 | 71.4% | 17.2% | ||
| Q2 24 | 2.5% | 0.3% |
现金转化率CLFDFINW
| Q1 26 | — | — | ||
| Q4 25 | — | -7.26× | ||
| Q3 25 | — | 0.71× | ||
| Q2 25 | 4.93× | -4.48× | ||
| Q1 25 | 2.30× | -6.78× | ||
| Q4 24 | — | -5.37× | ||
| Q3 24 | — | -2.84× | ||
| Q2 24 | — | -2.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CLFD
暂无分部数据
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
