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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Primis Financial Corp. (FRST). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($46.3M vs $45.6M, roughly 1.0× Primis Financial Corp.). Over the past eight quarters, Primis Financial Corp.'s revenue compounded faster (13.0% CAGR vs 12.5%).
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.
Primis Financial Corp is a U.S.-based financial holding company operating full-service banking subsidiaries. It provides a comprehensive range of financial solutions including personal and commercial deposit products, diverse loan facilities, mortgage services, and wealth management support, primarily serving retail and corporate customers across the U.S. mid-Atlantic region.
CIVB vs FRST — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $46.3M | $45.6M |
| Net Profit | — | $7.3M |
| Gross Margin | — | — |
| Operating Margin | 31.8% | — |
| Net Margin | — | 16.0% |
| Revenue YoY | 14.8% | — |
| Net Profit YoY | — | -61.6% |
| EPS (diluted) | $0.59 | $0.30 |
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 | — | $45.6M | ||
| Q4 25 | $46.3M | $80.9M | ||
| Q3 25 | $44.2M | $41.0M | ||
| Q2 25 | $41.4M | $43.2M | ||
| Q1 25 | $40.6M | $58.7M | ||
| Q4 24 | $40.4M | $38.8M | ||
| Q3 24 | $39.3M | $37.3M | ||
| Q2 24 | $38.1M | $35.7M |
| Q1 26 | — | $7.3M | ||
| Q4 25 | — | $29.5M | ||
| Q3 25 | $12.8M | $6.8M | ||
| Q2 25 | $11.0M | $2.4M | ||
| Q1 25 | $10.2M | $22.6M | ||
| Q4 24 | — | $-26.2M | ||
| Q3 24 | $8.4M | $1.2M | ||
| Q2 24 | $7.1M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 44.8% | ||
| Q3 25 | 35.4% | 21.3% | ||
| Q2 25 | 31.1% | 6.9% | ||
| Q1 25 | 29.4% | 41.9% | ||
| Q4 24 | 28.2% | -123.0% | ||
| Q3 24 | 25.2% | -3.1% | ||
| Q2 24 | 21.2% | 7.8% |
| Q1 26 | — | 16.0% | ||
| Q4 25 | — | 36.5% | ||
| Q3 25 | 28.9% | 16.7% | ||
| Q2 25 | 26.6% | 5.6% | ||
| Q1 25 | 25.0% | 38.6% | ||
| Q4 24 | — | -100.3% | ||
| Q3 24 | 21.3% | 3.3% | ||
| Q2 24 | 18.5% | 9.6% |
| Q1 26 | — | $0.30 | ||
| Q4 25 | $0.59 | $1.19 | ||
| Q3 25 | $0.68 | $0.28 | ||
| Q2 25 | $0.71 | $0.10 | ||
| Q1 25 | $0.66 | $0.92 | ||
| Q4 24 | $0.62 | $-0.95 | ||
| Q3 24 | $0.53 | $0.05 | ||
| Q2 24 | $0.45 | $0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $159.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $543.5M | $427.2M |
| Total Assets | $4.3B | $4.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $159.9M | ||
| Q4 25 | — | $143.6M | ||
| Q3 25 | — | $63.9M | ||
| Q2 25 | — | $94.1M | ||
| Q1 25 | — | $57.0M | ||
| Q4 24 | — | $64.5M | ||
| Q3 24 | — | $77.3M | ||
| Q2 24 | — | $66.6M |
| Q1 26 | — | $427.2M | ||
| Q4 25 | $543.5M | $422.9M | ||
| Q3 25 | $499.0M | $382.2M | ||
| Q2 25 | $404.1M | $376.4M | ||
| Q1 25 | $397.4M | $375.6M | ||
| Q4 24 | $388.5M | $351.8M | ||
| Q3 24 | $394.4M | $381.0M | ||
| Q2 24 | $373.8M | $376.0M |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $4.3B | $4.0B | ||
| Q3 25 | $4.1B | $4.0B | ||
| Q2 25 | $4.2B | $3.9B | ||
| Q1 25 | $4.1B | $3.7B | ||
| Q4 24 | $4.1B | $3.7B | ||
| Q3 24 | $4.1B | $4.0B | ||
| Q2 24 | $4.0B | $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 | $43.3M | — |
| Free Cash FlowOCF − Capex | $42.1M | — |
| FCF MarginFCF / Revenue | 90.9% | — |
| Capex IntensityCapex / Revenue | 2.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $10.8M | ||
| Q3 25 | $19.0M | $-11.4M | ||
| Q2 25 | $11.1M | $-41.0M | ||
| Q1 25 | $3.6M | $34.4M | ||
| Q4 24 | $48.2M | $19.5M | ||
| Q3 24 | $12.9M | $6.1M | ||
| Q2 24 | $12.2M | $52.3M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $9.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $44.1M | $18.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 11.2% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | — | ||
| Q4 24 | 109.1% | 47.3% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 2.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 10.4% | 3.1% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.36× | ||
| Q3 25 | 1.49× | -1.67× | ||
| Q2 25 | 1.01× | -16.82× | ||
| Q1 25 | 0.36× | 1.52× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | 4.93× | ||
| Q2 24 | 1.73× | 15.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIVB
Segment breakdown not available.
FRST
| Net Interest Income | $32.1M | 70% |
| Noninterest Income | $13.6M | 30% |
