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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Commerce.com, Inc. (CMRC). Click either name above to swap in a different company.
Commerce.com, Inc. is the larger business by last-quarter revenue ($89.5M vs $47.3M, roughly 1.9× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -9.3%, a 41.1% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs 5.5%).
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.
SPS Commerce, Inc. is a technology and application software company based in the United States that provides cloud-based supply chain management software. The company's headquarters are located in Minneapolis, Minnesota, but it also has a US office in New Jersey, and international locations in Amsterdam, Beijing, Breukelen, Hong Kong, Kyiv, Melbourne, Montpellier, Sydney, and Toronto.
CIVB vs CMRC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $89.5M |
| Net Profit | $15.0M | $-8.4M |
| Gross Margin | — | 78.3% |
| Operating Margin | — | -7.4% |
| Net Margin | 31.7% | -9.3% |
| Revenue YoY | — | 2.9% |
| Net Profit YoY | 47.4% | -250.0% |
| EPS (diluted) | $0.72 | $-0.11 |
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 | $89.5M | ||
| Q3 25 | $44.2M | $86.0M | ||
| Q2 25 | $41.4M | $84.4M | ||
| Q1 25 | $40.6M | $82.4M | ||
| Q4 24 | $40.4M | $87.0M | ||
| Q3 24 | $39.3M | $83.7M | ||
| Q2 24 | $38.1M | $81.8M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-8.4M | ||
| Q3 25 | $12.8M | $-2.2M | ||
| Q2 25 | $11.0M | $-8.4M | ||
| Q1 25 | $10.2M | $-353.0K | ||
| Q4 24 | — | $-2.4M | ||
| Q3 24 | $8.4M | $-7.0M | ||
| Q2 24 | $7.1M | $-11.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 78.3% | ||
| Q3 25 | — | 78.4% | ||
| Q2 25 | — | 79.0% | ||
| Q1 25 | — | 79.4% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 76.3% | ||
| Q2 24 | — | 75.8% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -7.4% | ||
| Q3 25 | 35.4% | -0.5% | ||
| Q2 25 | 31.1% | -8.0% | ||
| Q1 25 | 29.4% | -2.9% | ||
| Q4 24 | 28.2% | -0.9% | ||
| Q3 24 | 25.2% | -23.0% | ||
| Q2 24 | 21.2% | -16.5% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -9.3% | ||
| Q3 25 | 28.9% | -2.6% | ||
| Q2 25 | 26.6% | -9.9% | ||
| Q1 25 | 25.0% | -0.4% | ||
| Q4 24 | — | -2.7% | ||
| Q3 24 | 21.3% | -8.4% | ||
| Q2 24 | 18.5% | -13.8% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.11 | ||
| Q3 25 | $0.68 | $-0.03 | ||
| Q2 25 | $0.71 | $-0.10 | ||
| Q1 25 | $0.66 | $0.00 | ||
| Q4 24 | $0.62 | $-0.03 | ||
| Q3 24 | $0.53 | $-0.09 | ||
| Q2 24 | $0.45 | $-0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $141.1M |
| Total DebtLower is stronger | — | $157.0M |
| Stockholders' EquityBook value | $553.9M | $39.4M |
| Total Assets | $4.3B | $308.8M |
| Debt / EquityLower = less leverage | — | 3.99× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $141.1M | ||
| Q3 25 | — | $142.0M | ||
| Q2 25 | — | $134.5M | ||
| Q1 25 | — | $120.7M | ||
| Q4 24 | — | $178.2M | ||
| Q3 24 | — | $168.4M | ||
| Q2 24 | — | $275.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $157.0M | ||
| Q3 25 | — | $157.3M | ||
| Q2 25 | — | $157.5M | ||
| Q1 25 | — | $157.8M | ||
| Q4 24 | — | $216.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $340.9M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $39.4M | ||
| Q3 25 | $499.0M | $42.8M | ||
| Q2 25 | $404.1M | $38.8M | ||
| Q1 25 | $397.4M | $38.1M | ||
| Q4 24 | $388.5M | $33.4M | ||
| Q3 24 | $394.4M | $29.0M | ||
| Q2 24 | $373.8M | $26.1M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $308.8M | ||
| Q3 25 | $4.1B | $309.5M | ||
| Q2 25 | $4.2B | $302.5M | ||
| Q1 25 | $4.1B | $286.3M | ||
| Q4 24 | $4.1B | $340.3M | ||
| Q3 24 | $4.1B | $335.1M | ||
| Q2 24 | $4.0B | $452.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.99× | ||
| Q3 25 | — | 3.67× | ||
| Q2 25 | — | 4.06× | ||
| Q1 25 | — | 4.14× | ||
| Q4 24 | — | 6.49× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 13.06× |
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 | — | $980.0K |
| Free Cash FlowOCF − Capex | — | $-2.2M |
| FCF MarginFCF / Revenue | — | -2.4% |
| Capex IntensityCapex / Revenue | — | 3.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $980.0K | ||
| Q3 25 | $19.0M | $10.6M | ||
| Q2 25 | $11.1M | $13.6M | ||
| Q1 25 | $3.6M | $401.0K | ||
| Q4 24 | $48.2M | $12.4M | ||
| Q3 24 | $12.9M | $5.6M | ||
| Q2 24 | $12.2M | $11.7M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-2.2M | ||
| Q3 25 | — | $7.6M | ||
| Q2 25 | — | $11.9M | ||
| Q1 25 | $3.5M | $-424.0K | ||
| Q4 24 | $44.1M | $11.6M | ||
| Q3 24 | — | $4.5M | ||
| Q2 24 | — | $10.7M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -2.4% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 14.1% | ||
| Q1 25 | 8.5% | -0.5% | ||
| Q4 24 | 109.1% | 13.3% | ||
| Q3 24 | — | 5.4% | ||
| Q2 24 | — | 13.0% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 3.5% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | 0.4% | 1.0% | ||
| Q4 24 | 10.4% | 0.9% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.3% |
| 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
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
CMRC
| Subscription And Circulation | $65.2M | 73% |
| Partner And Services | $24.4M | 27% |
