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Side-by-side financial comparison of C3.ai, Inc. (AI) and CIVISTA BANCSHARES, INC. (CIVB). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $47.3M, roughly 1.6× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -139.3%, a 171.0% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
Civista Bancshares, Inc. is a US-based bank holding company operating primarily across the Midwest region. It provides a full suite of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial lending products, as well as wealth management solutions, serving retail consumers, small and medium-sized local businesses and community client segments.
AI vs CIVB — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $47.3M |
| Net Profit | $-104.7M | $15.0M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | — |
| Net Margin | -139.3% | 31.7% |
| Revenue YoY | -20.3% | — |
| Net Profit YoY | -58.7% | 47.4% |
| EPS (diluted) | $-0.75 | $0.72 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $47.3M | ||
| Q4 25 | $75.1M | $46.3M | ||
| Q3 25 | $70.3M | $44.2M | ||
| Q2 25 | $108.7M | $41.4M | ||
| Q1 25 | $98.8M | $40.6M | ||
| Q4 24 | $94.3M | $40.4M | ||
| Q3 24 | $87.2M | $39.3M | ||
| Q2 24 | $86.6M | $38.1M |
| Q1 26 | — | $15.0M | ||
| Q4 25 | $-104.7M | — | ||
| Q3 25 | $-116.8M | $12.8M | ||
| Q2 25 | $-79.7M | $11.0M | ||
| Q1 25 | $-80.2M | $10.2M | ||
| Q4 24 | $-66.0M | — | ||
| Q3 24 | $-62.8M | $8.4M | ||
| Q2 24 | $-72.9M | $7.1M |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | -149.2% | 31.8% | ||
| Q3 25 | -177.7% | 35.4% | ||
| Q2 25 | -81.8% | 31.1% | ||
| Q1 25 | -88.7% | 29.4% | ||
| Q4 24 | -79.8% | 28.2% | ||
| Q3 24 | -83.2% | 25.2% | ||
| Q2 24 | -95.1% | 21.2% |
| Q1 26 | — | 31.7% | ||
| Q4 25 | -139.3% | — | ||
| Q3 25 | -166.2% | 28.9% | ||
| Q2 25 | -73.3% | 26.6% | ||
| Q1 25 | -81.2% | 25.0% | ||
| Q4 24 | -69.9% | — | ||
| Q3 24 | -72.0% | 21.3% | ||
| Q2 24 | -84.2% | 18.5% |
| Q1 26 | — | $0.72 | ||
| Q4 25 | $-0.75 | $0.59 | ||
| Q3 25 | $-0.86 | $0.68 | ||
| Q2 25 | $-0.60 | $0.71 | ||
| Q1 25 | $-0.62 | $0.66 | ||
| Q4 24 | $-0.52 | $0.62 | ||
| Q3 24 | $-0.50 | $0.53 | ||
| Q2 24 | $-0.59 | $0.45 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $553.9M |
| Total Assets | $961.3M | $4.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $675.0M | — | ||
| Q3 25 | $711.9M | — | ||
| Q2 25 | $742.7M | — | ||
| Q1 25 | $724.3M | — | ||
| Q4 24 | $730.4M | — | ||
| Q3 24 | $762.5M | — | ||
| Q2 24 | $750.4M | — |
| Q1 26 | — | $553.9M | ||
| Q4 25 | $771.9M | $543.5M | ||
| Q3 25 | $798.8M | $499.0M | ||
| Q2 25 | $838.3M | $404.1M | ||
| Q1 25 | $860.2M | $397.4M | ||
| Q4 24 | $859.0M | $388.5M | ||
| Q3 24 | $874.9M | $394.4M | ||
| Q2 24 | $873.4M | $373.8M |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $961.3M | $4.3B | ||
| Q3 25 | $968.7M | $4.1B | ||
| Q2 25 | $1.0B | $4.2B | ||
| Q1 25 | $1.1B | $4.1B | ||
| Q4 24 | $1.0B | $4.1B | ||
| Q3 24 | $1.1B | $4.1B | ||
| Q2 24 | $1.0B | $4.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-46.5M | — |
| Free Cash FlowOCF − Capex | $-46.9M | — |
| FCF MarginFCF / Revenue | -62.4% | — |
| Capex IntensityCapex / Revenue | 0.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-46.5M | $43.3M | ||
| Q3 25 | $-33.5M | $19.0M | ||
| Q2 25 | $11.3M | $11.1M | ||
| Q1 25 | $-22.0M | $3.6M | ||
| Q4 24 | $-38.7M | $48.2M | ||
| Q3 24 | $8.0M | $12.9M | ||
| Q2 24 | $21.3M | $12.2M |
| Q1 26 | — | — | ||
| Q4 25 | $-46.9M | $42.1M | ||
| Q3 25 | $-34.3M | — | ||
| Q2 25 | $10.3M | — | ||
| Q1 25 | $-22.4M | $3.5M | ||
| Q4 24 | $-39.5M | $44.1M | ||
| Q3 24 | $7.1M | — | ||
| Q2 24 | $18.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | -62.4% | 90.9% | ||
| Q3 25 | -48.8% | — | ||
| Q2 25 | 9.5% | — | ||
| Q1 25 | -22.7% | 8.5% | ||
| Q4 24 | -41.9% | 109.1% | ||
| Q3 24 | 8.2% | — | ||
| Q2 24 | 21.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 2.5% | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 0.9% | 10.4% | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 2.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.49× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 0.36× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.54× | ||
| Q2 24 | — | 1.73× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
