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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and FUELCELL ENERGY INC (FCEL). Click either name above to swap in a different company.
FUELCELL ENERGY INC is the larger business by last-quarter revenue ($55.0M vs $47.3M, roughly 1.2× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -54.3%, a 86.0% gap on every dollar of revenue. Over the past eight quarters, FUELCELL ENERGY INC's revenue compounded faster (81.6% CAGR vs 11.3%).
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.
FuelCell Energy, Inc. is a publicly traded fuel cell company headquartered in Danbury, Connecticut. It designs, manufactures, operates and services power plants based on molten carbonate fuel cells.
CIVB vs FCEL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $55.0M |
| Net Profit | $15.0M | $-29.9M |
| Gross Margin | — | -12.1% |
| Operating Margin | — | -51.5% |
| Net Margin | 31.7% | -54.3% |
| Revenue YoY | — | 11.5% |
| Net Profit YoY | 47.4% | 27.9% |
| EPS (diluted) | $0.72 | $-0.43 |
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 | $55.0M | ||
| Q3 25 | $44.2M | $46.7M | ||
| Q2 25 | $41.4M | $37.4M | ||
| Q1 25 | $40.6M | $19.0M | ||
| Q4 24 | $40.4M | $49.3M | ||
| Q3 24 | $39.3M | $23.7M | ||
| Q2 24 | $38.1M | $22.4M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-29.9M | ||
| Q3 25 | $12.8M | $-91.7M | ||
| Q2 25 | $11.0M | $-38.0M | ||
| Q1 25 | $10.2M | $-28.3M | ||
| Q4 24 | — | $-41.4M | ||
| Q3 24 | $8.4M | $-32.7M | ||
| Q2 24 | $7.1M | $-32.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | -12.1% | ||
| Q3 25 | — | -11.0% | ||
| Q2 25 | — | -25.2% | ||
| Q1 25 | — | -27.4% | ||
| Q4 24 | — | -22.1% | ||
| Q3 24 | — | -26.2% | ||
| Q2 24 | — | -31.6% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -51.5% | ||
| Q3 25 | 35.4% | -204.0% | ||
| Q2 25 | 31.1% | -95.7% | ||
| Q1 25 | 29.4% | -172.9% | ||
| Q4 24 | 28.2% | -83.2% | ||
| Q3 24 | 25.2% | -141.9% | ||
| Q2 24 | 21.2% | -184.5% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -54.3% | ||
| Q3 25 | 28.9% | -196.1% | ||
| Q2 25 | 26.6% | -101.7% | ||
| Q1 25 | 25.0% | -149.1% | ||
| Q4 24 | — | -84.0% | ||
| Q3 24 | 21.3% | -137.8% | ||
| Q2 24 | 18.5% | -143.4% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.43 | ||
| Q3 25 | $0.68 | $-3.78 | ||
| Q2 25 | $0.71 | $-1.79 | ||
| Q1 25 | $0.66 | $-1.42 | ||
| Q4 24 | $0.62 | $-2.29 | ||
| Q3 24 | $0.53 | $-1.99 | ||
| Q2 24 | $0.45 | $-2.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $278.1M |
| Total DebtLower is stronger | — | $103.8M |
| Stockholders' EquityBook value | $553.9M | $662.2M |
| Total Assets | $4.3B | $932.1M |
| Debt / EquityLower = less leverage | — | 0.16× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $278.1M | ||
| Q3 25 | — | $174.7M | ||
| Q2 25 | — | $177.0M | ||
| Q1 25 | — | $208.4M | ||
| Q4 24 | — | $257.3M | ||
| Q3 24 | — | $267.2M | ||
| Q2 24 | — | $260.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $103.8M | ||
| Q3 25 | — | $106.4M | ||
| Q2 25 | — | $109.4M | ||
| Q1 25 | — | $112.3M | ||
| Q4 24 | — | $115.7M | ||
| Q3 24 | — | $112.7M | ||
| Q2 24 | — | $116.2M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $662.2M | ||
| Q3 25 | $499.0M | $556.2M | ||
| Q2 25 | $404.1M | $609.2M | ||
| Q1 25 | $397.4M | $635.2M | ||
| Q4 24 | $388.5M | $656.9M | ||
| Q3 24 | $394.4M | $675.8M | ||
| Q2 24 | $373.8M | $639.8M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $932.1M | ||
| Q3 25 | $4.1B | $830.5M | ||
| Q2 25 | $4.2B | $883.8M | ||
| Q1 25 | $4.1B | $907.5M | ||
| Q4 24 | $4.1B | $944.1M | ||
| Q3 24 | $4.1B | $948.9M | ||
| Q2 24 | $4.0B | $916.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.18× |
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 | — | $-22.9M |
| Free Cash FlowOCF − Capex | — | $-23.9M |
| FCF MarginFCF / Revenue | — | -43.4% |
| Capex IntensityCapex / Revenue | — | 1.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-143.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-22.9M | ||
| Q3 25 | $19.0M | $-26.8M | ||
| Q2 25 | $11.1M | $-29.9M | ||
| Q1 25 | $3.6M | $-45.7M | ||
| Q4 24 | $48.2M | $5.8M | ||
| Q3 24 | $12.9M | $-63.4M | ||
| Q2 24 | $12.2M | $-37.1M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-23.9M | ||
| Q3 25 | — | $-32.1M | ||
| Q2 25 | — | $-35.2M | ||
| Q1 25 | $3.5M | $-52.8M | ||
| Q4 24 | $44.1M | $-4.7M | ||
| Q3 24 | — | $-76.8M | ||
| Q2 24 | — | $-50.3M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -43.4% | ||
| Q3 25 | — | -68.6% | ||
| Q2 25 | — | -94.0% | ||
| Q1 25 | 8.5% | -277.8% | ||
| Q4 24 | 109.1% | -9.5% | ||
| Q3 24 | — | -324.0% | ||
| Q2 24 | — | -224.5% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 1.8% | ||
| Q3 25 | — | 11.2% | ||
| Q2 25 | — | 14.1% | ||
| Q1 25 | 0.4% | 37.2% | ||
| Q4 24 | 10.4% | 21.4% | ||
| Q3 24 | — | 56.6% | ||
| Q2 24 | — | 58.9% |
| 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
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
FCEL
| Other | $30.0M | 55% |
| Electricity Generation | $12.2M | 22% |
| Services | $7.3M | 13% |
| Advanced Technologies | $5.5M | 10% |
