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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Clearfield, Inc. (CLFD). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $34.3M, roughly 1.4× Clearfield, Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -1.8%, a 33.5% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -3.5%).
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.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
CIVB vs CLFD — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $34.3M |
| Net Profit | $15.0M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | — | -5.3% |
| Net Margin | 31.7% | -1.8% |
| Revenue YoY | — | -3.2% |
| Net Profit YoY | 47.4% | 67.8% |
| EPS (diluted) | $0.72 | $-0.04 |
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 | $46.3M | $34.3M | ||
| Q3 25 | $44.2M | $23.4M | ||
| Q2 25 | $41.4M | $49.9M | ||
| Q1 25 | $40.6M | $47.2M | ||
| Q4 24 | $40.4M | $29.7M | ||
| Q3 24 | $39.3M | $5.6M | ||
| Q2 24 | $38.1M | $48.8M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-614.0K | ||
| Q3 25 | $12.8M | $-9.1M | ||
| Q2 25 | $11.0M | $1.6M | ||
| Q1 25 | $10.2M | $1.3M | ||
| Q4 24 | — | $-1.9M | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $7.1M | $-447.0K |
| 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% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -5.3% | ||
| Q3 25 | 35.4% | 10.3% | ||
| Q2 25 | 31.1% | 3.0% | ||
| Q1 25 | 29.4% | 0.6% | ||
| Q4 24 | 28.2% | -6.9% | ||
| Q3 24 | 25.2% | — | ||
| Q2 24 | 21.2% | -4.7% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -1.8% | ||
| Q3 25 | 28.9% | -38.8% | ||
| Q2 25 | 26.6% | 3.2% | ||
| Q1 25 | 25.0% | 2.8% | ||
| Q4 24 | — | -6.4% | ||
| Q3 24 | 21.3% | — | ||
| Q2 24 | 18.5% | -0.9% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.04 | ||
| Q3 25 | $0.68 | $-0.65 | ||
| Q2 25 | $0.71 | $0.11 | ||
| Q1 25 | $0.66 | $0.09 | ||
| Q4 24 | $0.62 | $-0.13 | ||
| Q3 24 | $0.53 | — | ||
| Q2 24 | $0.45 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $249.7M |
| Total Assets | $4.3B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $106.0M | ||
| Q2 25 | — | $117.2M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $113.0M | ||
| Q3 24 | — | $129.0M | ||
| Q2 24 | — | $123.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $249.7M | ||
| Q3 25 | $499.0M | $256.2M | ||
| Q2 25 | $404.1M | $264.5M | ||
| Q1 25 | $397.4M | $265.9M | ||
| Q4 24 | $388.5M | $267.4M | ||
| Q3 24 | $394.4M | $275.8M | ||
| Q2 24 | $373.8M | $274.6M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $268.1M | ||
| Q3 25 | $4.1B | $306.2M | ||
| Q2 25 | $4.2B | $314.7M | ||
| Q1 25 | $4.1B | $310.9M | ||
| Q4 24 | $4.1B | $303.2M | ||
| Q3 24 | $4.1B | $315.3M | ||
| Q2 24 | $4.0B | $318.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× |
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 | — | $-1.4M |
| Free Cash FlowOCF − Capex | — | $-2.4M |
| FCF MarginFCF / Revenue | — | -7.1% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-1.4M | ||
| Q3 25 | $19.0M | — | ||
| Q2 25 | $11.1M | $7.9M | ||
| Q1 25 | $3.6M | $3.0M | ||
| Q4 24 | $48.2M | $7.2M | ||
| Q3 24 | $12.9M | $22.2M | ||
| Q2 24 | $12.2M | $4.0M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-2.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $7.5M | ||
| Q1 25 | $3.5M | $654.0K | ||
| Q4 24 | $44.1M | $5.1M | ||
| Q3 24 | — | $18.2M | ||
| Q2 24 | — | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -7.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 15.1% | ||
| Q1 25 | 8.5% | 1.4% | ||
| Q4 24 | 109.1% | 17.1% | ||
| Q3 24 | — | 323.0% | ||
| Q2 24 | — | 5.8% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 2.9% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | 0.4% | 5.1% | ||
| Q4 24 | 10.4% | 7.0% | ||
| Q3 24 | — | 71.4% | ||
| Q2 24 | — | 2.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | 4.93× | ||
| Q1 25 | 0.36× | 2.30× | ||
| 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
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
CLFD
Segment breakdown not available.
