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Clearfield, Inc.（CLFD）与SMARTFINANCIAL INC.（SMBK）财务数据对比。点击上方公司名可切换其他公司
SMARTFINANCIAL INC.的季度营收约是Clearfield, Inc.的1.6倍（$53.8M vs $34.3M），SMARTFINANCIAL INC.净利率更高（25.4% vs -1.8%，领先27.2%），过去两年SMARTFINANCIAL INC.的营收复合增速更高（15.4% 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。
SmartFinancial Inc.是一家美国银行控股公司，旗下运营SmartBank，面向美国东南部地区的个人客户及中小微企业提供存款、个人及企业贷款、抵押贷款、财富管理等多元化零售及商业银行服务。
CLFD vs SMBK — 直观对比
营收规模更大
SMBK
是对方的1.6倍
$34.3M
净利率更高
SMBK
高出27.2%
-1.8%
两年增速更快
SMBK
近两年复合增速
-3.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.3M | $53.8M |
| 净利润 | $-614.0K | $13.7M |
| 毛利率 | 33.2% | — |
| 营业利润率 | -5.3% | — |
| 净利率 | -1.8% | 25.4% |
| 营收同比 | -3.2% | — |
| 净利润同比 | 67.8% | 21.6% |
| 每股收益（稀释后） | $-0.04 | $0.81 |
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CLFDSMBK
| Q1 26 | — | $53.8M | ||
| Q4 25 | $34.3M | $53.3M | ||
| Q3 25 | $23.4M | $51.1M | ||
| Q2 25 | $49.9M | $49.2M | ||
| Q1 25 | $47.2M | $46.8M | ||
| Q4 24 | $29.7M | $46.8M | ||
| Q3 24 | $5.6M | $44.2M | ||
| Q2 24 | $48.8M | $40.4M |
净利润CLFDSMBK
| Q1 26 | — | $13.7M | ||
| Q4 25 | $-614.0K | $13.7M | ||
| Q3 25 | $-9.1M | $13.7M | ||
| Q2 25 | $1.6M | $11.7M | ||
| Q1 25 | $1.3M | $11.3M | ||
| Q4 24 | $-1.9M | $9.6M | ||
| Q3 24 | — | $9.1M | ||
| Q2 24 | $-447.0K | $8.0M |
毛利率CLFDSMBK
| 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CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | -5.3% | 31.3% | ||
| Q3 25 | 10.3% | 33.2% | ||
| Q2 25 | 3.0% | 29.0% | ||
| Q1 25 | 0.6% | 29.0% | ||
| Q4 24 | -6.9% | 26.5% | ||
| Q3 24 | — | 24.3% | ||
| Q2 24 | -4.7% | 25.6% |
净利率CLFDSMBK
| Q1 26 | — | 25.4% | ||
| Q4 25 | -1.8% | 25.7% | ||
| Q3 25 | -38.8% | 26.8% | ||
| Q2 25 | 3.2% | 23.8% | ||
| Q1 25 | 2.8% | 24.0% | ||
| Q4 24 | -6.4% | 20.6% | ||
| Q3 24 | — | 20.7% | ||
| Q2 24 | -0.9% | 19.8% |
每股收益（稀释后）CLFDSMBK
| Q1 26 | — | $0.81 | ||
| Q4 25 | $-0.04 | $0.81 | ||
| Q3 25 | $-0.65 | $0.81 | ||
| Q2 25 | $0.11 | $0.69 | ||
| Q1 25 | $0.09 | $0.67 | ||
| Q4 24 | $-0.13 | $0.57 | ||
| Q3 24 | — | $0.54 | ||
| Q2 24 | $-0.04 | $0.48 |
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 | $346.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $249.7M | $562.2M |
| 总资产 | $268.1M | $5.9B |
| 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CLFDSMBK
| Q1 26 | — | $346.1M | ||
| Q4 25 | $96.4M | $464.4M | ||
| Q3 25 | $106.0M | $557.1M | ||
| Q2 25 | $117.2M | $365.1M | ||
| Q1 25 | $112.0M | $423.0M | ||
| Q4 24 | $113.0M | $387.6M | ||
| Q3 24 | $129.0M | $192.9M | ||
| Q2 24 | $123.8M | $342.8M |
总债务CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $1.3M | ||
| Q2 25 | — | $7.0M | ||
| Q1 25 | — | $7.6M | ||
| Q4 24 | — | $8.1M | ||
| Q3 24 | $2.2M | $9.0M | ||
| Q2 24 | $2.1M | $12.7M |
股东权益CLFDSMBK
| Q1 26 | — | $562.2M | ||
| Q4 25 | $249.7M | $552.4M | ||
| Q3 25 | $256.2M | $538.4M | ||
| Q2 25 | $264.5M | $519.0M | ||
| Q1 25 | $265.9M | $505.8M | ||
| Q4 24 | $267.4M | $491.3M | ||
| Q3 24 | $275.8M | $489.0M | ||
| Q2 24 | $274.6M | $472.5M |
总资产CLFDSMBK
| Q1 26 | — | $5.9B | ||
| Q4 25 | $268.1M | $5.9B | ||
| Q3 25 | $306.2M | $5.8B | ||
| Q2 25 | $314.7M | $5.5B | ||
| Q1 25 | $310.9M | $5.4B | ||
| Q4 24 | $303.2M | $5.3B | ||
| Q3 24 | $315.3M | $4.9B | ||
| Q2 24 | $318.1M | $4.9B |
负债/权益比CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.01× | ||
| Q1 25 | — | 0.02× | ||
| Q4 24 | — | 0.02× | ||
| Q3 24 | 0.01× | 0.02× | ||
| Q2 24 | 0.01× | 0.03× |
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CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | $-1.4M | $61.7M | ||
| Q3 25 | — | $16.9M | ||
| Q2 25 | $7.9M | $14.0M | ||
| Q1 25 | $3.0M | $14.3M | ||
| Q4 24 | $7.2M | $52.7M | ||
| Q3 24 | $22.2M | $12.4M | ||
| Q2 24 | $4.0M | $16.5M |
自由现金流CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | $-2.4M | $59.3M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | $7.5M | $13.2M | ||
| Q1 25 | $654.0K | $13.4M | ||
| Q4 24 | $5.1M | $46.3M | ||
| Q3 24 | $18.2M | $11.3M | ||
| Q2 24 | $2.8M | $15.4M |
自由现金流率CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | -7.1% | 111.3% | ||
| Q3 25 | — | 32.4% | ||
| Q2 25 | 15.1% | 26.9% | ||
| Q1 25 | 1.4% | 28.5% | ||
| Q4 24 | 17.1% | 98.9% | ||
| Q3 24 | 323.0% | 25.7% | ||
| Q2 24 | 5.8% | 38.2% |
资本支出强度CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 4.5% | ||
| Q3 25 | 2.0% | 0.6% | ||
| Q2 25 | 0.8% | 1.6% | ||
| Q1 25 | 5.1% | 2.0% | ||
| Q4 24 | 7.0% | 13.7% | ||
| Q3 24 | 71.4% | 2.4% | ||
| Q2 24 | 2.5% | 2.7% |
现金转化率CLFDSMBK
| Q1 26 | — | — | ||
| Q4 25 | — | 4.50× | ||
| Q3 25 | — | 1.23× | ||
| Q2 25 | 4.93× | 1.20× | ||
| Q1 25 | 2.30× | 1.27× | ||
| Q4 24 | — | 5.47× | ||
| Q3 24 | — | 1.36× | ||
| Q2 24 | — | 2.07× |
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
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
