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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and FIVE STAR BANCORP (FSBC). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $45.1M, roughly 1.0× FIVE STAR BANCORP). FIVE STAR BANCORP runs the higher net margin — 41.3% vs 31.7%, a 9.6% gap on every dollar of revenue. Over the past eight quarters, FIVE STAR BANCORP's revenue compounded faster (21.3% 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.
U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota and incorporated in Delaware. It is the 5th-largest bank in the United States as of 2025. As the largest bank in the Midwestern United States, it is considered systemically important by the Financial Stability Board. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. The company provides banking, investment, mortgage, tr...
CIVB vs FSBC — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $45.1M |
| Net Profit | $15.0M | $18.6M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 31.7% | 41.3% |
| Revenue YoY | — | — |
| Net Profit YoY | 47.4% | 42.0% |
| EPS (diluted) | $0.72 | $0.87 |
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 | $45.1M | ||
| Q4 25 | $46.3M | $43.5M | ||
| Q3 25 | $44.2M | $41.3M | ||
| Q2 25 | $41.4M | $38.3M | ||
| Q1 25 | $40.6M | $35.3M | ||
| Q4 24 | $40.4M | $35.2M | ||
| Q3 24 | $39.3M | $31.8M | ||
| Q2 24 | $38.1M | $30.7M |
| Q1 26 | $15.0M | $18.6M | ||
| Q4 25 | — | $17.6M | ||
| Q3 25 | $12.8M | $16.3M | ||
| Q2 25 | $11.0M | $14.5M | ||
| Q1 25 | $10.2M | $13.1M | ||
| Q4 24 | — | $13.3M | ||
| Q3 24 | $8.4M | $10.9M | ||
| Q2 24 | $7.1M | $10.8M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 52.9% | ||
| Q3 25 | 35.4% | 53.8% | ||
| Q2 25 | 31.1% | 52.4% | ||
| Q1 25 | 29.4% | 52.0% | ||
| Q4 24 | 28.2% | 55.1% | ||
| Q3 24 | 25.2% | 48.0% | ||
| Q2 24 | 21.2% | 49.4% |
| Q1 26 | 31.7% | 41.3% | ||
| Q4 25 | — | 40.6% | ||
| Q3 25 | 28.9% | 39.6% | ||
| Q2 25 | 26.6% | 37.9% | ||
| Q1 25 | 25.0% | 37.1% | ||
| Q4 24 | — | 37.9% | ||
| Q3 24 | 21.3% | 34.4% | ||
| Q2 24 | 18.5% | 35.2% |
| Q1 26 | $0.72 | $0.87 | ||
| Q4 25 | $0.59 | $0.83 | ||
| Q3 25 | $0.68 | $0.77 | ||
| Q2 25 | $0.71 | $0.68 | ||
| Q1 25 | $0.66 | $0.62 | ||
| Q4 24 | $0.62 | $0.61 | ||
| Q3 24 | $0.53 | $0.52 | ||
| Q2 24 | $0.45 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $644.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $458.5M |
| Total Assets | $4.3B | $5.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $644.4M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | $458.5M | ||
| Q4 25 | $543.5M | $445.8M | ||
| Q3 25 | $499.0M | $431.3M | ||
| Q2 25 | $404.1M | $416.7M | ||
| Q1 25 | $397.4M | $406.5M | ||
| Q4 24 | $388.5M | $396.6M | ||
| Q3 24 | $394.4M | $389.9M | ||
| Q2 24 | $373.8M | $380.5M |
| Q1 26 | $4.3B | $5.0B | ||
| Q4 25 | $4.3B | $4.8B | ||
| Q3 25 | $4.1B | $4.6B | ||
| Q2 25 | $4.2B | $4.4B | ||
| Q1 25 | $4.1B | $4.2B | ||
| Q4 24 | $4.1B | $4.1B | ||
| Q3 24 | $4.1B | $3.9B | ||
| Q2 24 | $4.0B | $3.6B |
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% |
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
