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Clearfield, Inc.（CLFD）与NORTHPOINTE BANCSHARES INC（NPB）财务数据对比。点击上方公司名可切换其他公司
NORTHPOINTE BANCSHARES INC的季度营收约是Clearfield, Inc.的1.8倍（$63.4M vs $34.3M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs -1.8%，领先36.7%）
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。
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
CLFD vs NPB — 直观对比
营收规模更大
NPB
是对方的1.8倍
$34.3M
净利率更高
NPB
高出36.7%
-1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.3M | $63.4M |
| 净利润 | $-614.0K | $22.2M |
| 毛利率 | 33.2% | — |
| 营业利润率 | -5.3% | — |
| 净利率 | -1.8% | 34.9% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 67.8% | — |
| 每股收益（稀释后） | $-0.04 | $0.62 |
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CLFDNPB
| Q1 26 | — | $63.4M | ||
| Q4 25 | $34.3M | $43.5M | ||
| Q3 25 | $23.4M | $40.3M | ||
| Q2 25 | $49.9M | $36.5M | ||
| Q1 25 | $47.2M | $30.4M | ||
| Q4 24 | $29.7M | — | ||
| Q3 24 | $5.6M | — | ||
| Q2 24 | $48.8M | — |
净利润CLFDNPB
| Q1 26 | — | $22.2M | ||
| Q4 25 | $-614.0K | $23.6M | ||
| Q3 25 | $-9.1M | $22.2M | ||
| Q2 25 | $1.6M | $20.3M | ||
| Q1 25 | $1.3M | $17.2M | ||
| Q4 24 | $-1.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $-447.0K | — |
毛利率CLFDNPB
| 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CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | -5.3% | 73.5% | ||
| Q3 25 | 10.3% | 72.3% | ||
| Q2 25 | 3.0% | 73.0% | ||
| Q1 25 | 0.6% | 74.4% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -4.7% | — |
净利率CLFDNPB
| Q1 26 | — | 34.9% | ||
| Q4 25 | -1.8% | 54.4% | ||
| Q3 25 | -38.8% | 55.0% | ||
| Q2 25 | 3.2% | 55.7% | ||
| Q1 25 | 2.8% | 56.8% | ||
| Q4 24 | -6.4% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -0.9% | — |
每股收益（稀释后）CLFDNPB
| Q1 26 | — | $0.62 | ||
| Q4 25 | $-0.04 | $0.54 | ||
| Q3 25 | $-0.65 | $0.57 | ||
| Q2 25 | $0.11 | $0.51 | ||
| Q1 25 | $0.09 | $0.49 | ||
| Q4 24 | $-0.13 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $-0.04 | — |
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 | $487.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $249.7M | $590.0M |
| 总资产 | $268.1M | $7.4B |
| 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CLFDNPB
| Q1 26 | — | $487.6M | ||
| Q4 25 | $96.4M | $496.5M | ||
| Q3 25 | $106.0M | $419.2M | ||
| Q2 25 | $117.2M | $415.7M | ||
| Q1 25 | $112.0M | $321.5M | ||
| Q4 24 | $113.0M | — | ||
| Q3 24 | $129.0M | — | ||
| Q2 24 | $123.8M | — |
总债务CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $2.1M | — |
股东权益CLFDNPB
| Q1 26 | — | $590.0M | ||
| Q4 25 | $249.7M | $569.0M | ||
| Q3 25 | $256.2M | $623.5M | ||
| Q2 25 | $264.5M | $604.3M | ||
| Q1 25 | $265.9M | $586.5M | ||
| Q4 24 | $267.4M | — | ||
| Q3 24 | $275.8M | — | ||
| Q2 24 | $274.6M | — |
总资产CLFDNPB
| Q1 26 | — | $7.4B | ||
| Q4 25 | $268.1M | $7.0B | ||
| Q3 25 | $306.2M | $6.8B | ||
| Q2 25 | $314.7M | $6.4B | ||
| Q1 25 | $310.9M | $5.9B | ||
| Q4 24 | $303.2M | — | ||
| Q3 24 | $315.3M | — | ||
| Q2 24 | $318.1M | — |
负债/权益比CLFDNPB
| 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CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | $-1.4M | $-28.3M | ||
| Q3 25 | — | $90.4M | ||
| Q2 25 | $7.9M | $-72.3M | ||
| Q1 25 | $3.0M | $54.4M | ||
| Q4 24 | $7.2M | — | ||
| Q3 24 | $22.2M | — | ||
| Q2 24 | $4.0M | — |
自由现金流CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | $-2.4M | $-28.8M | ||
| Q3 25 | — | $89.6M | ||
| Q2 25 | $7.5M | $-73.4M | ||
| Q1 25 | $654.0K | $54.1M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $18.2M | — | ||
| Q2 24 | $2.8M | — |
自由现金流率CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | -7.1% | -66.1% | ||
| Q3 25 | — | 222.3% | ||
| Q2 25 | 15.1% | -201.1% | ||
| Q1 25 | 1.4% | 178.0% | ||
| Q4 24 | 17.1% | — | ||
| Q3 24 | 323.0% | — | ||
| Q2 24 | 5.8% | — |
资本支出强度CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 1.2% | ||
| Q3 25 | 2.0% | 2.0% | ||
| Q2 25 | 0.8% | 3.1% | ||
| Q1 25 | 5.1% | 1.1% | ||
| Q4 24 | 7.0% | — | ||
| Q3 24 | 71.4% | — | ||
| Q2 24 | 2.5% | — |
现金转化率CLFDNPB
| Q1 26 | — | — | ||
| Q4 25 | — | -1.20× | ||
| Q3 25 | — | 4.08× | ||
| Q2 25 | 4.93× | -3.55× | ||
| Q1 25 | 2.30× | 3.16× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
