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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and GRAIL, Inc. (GRAL). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $43.6M, roughly 1.1× GRAIL, Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -227.5%, a 259.2% gap on every dollar of revenue. Over the past eight quarters, GRAIL, Inc.'s revenue compounded faster (27.7% 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.
GRAIL, Inc. is an American biotechnology company based in Menlo Park, California founded in 2015 seeking to develop an early cancer screening test for people who do not have symptoms. As a startup it was a subsidiary of Illumina, which bought it outright in 2021.
CIVB vs GRAL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $43.6M |
| Net Profit | $15.0M | $-99.2M |
| Gross Margin | — | — |
| Operating Margin | — | -285.4% |
| Net Margin | 31.7% | -227.5% |
| Revenue YoY | — | 14.0% |
| Net Profit YoY | 47.4% | -2.2% |
| EPS (diluted) | $0.72 | $-2.37 |
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 | $43.6M | ||
| Q3 25 | $44.2M | $36.2M | ||
| Q2 25 | $41.4M | $35.5M | ||
| Q1 25 | $40.6M | $31.8M | ||
| Q4 24 | $40.4M | $38.3M | ||
| Q3 24 | $39.3M | $28.7M | ||
| Q2 24 | $38.1M | $32.0M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-99.2M | ||
| Q3 25 | $12.8M | $-89.0M | ||
| Q2 25 | $11.0M | $-114.0M | ||
| Q1 25 | $10.2M | $-106.2M | ||
| Q4 24 | — | $-97.1M | ||
| Q3 24 | $8.4M | $-125.7M | ||
| Q2 24 | $7.1M | $-1.6B |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -285.4% | ||
| Q3 25 | 35.4% | -346.2% | ||
| Q2 25 | 31.1% | -446.9% | ||
| Q1 25 | 29.4% | -482.5% | ||
| Q4 24 | 28.2% | -358.0% | ||
| Q3 24 | 25.2% | -640.5% | ||
| Q2 24 | 21.2% | -5133.8% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -227.5% | ||
| Q3 25 | 28.9% | -245.8% | ||
| Q2 25 | 26.6% | -320.7% | ||
| Q1 25 | 25.0% | -333.6% | ||
| Q4 24 | — | -253.8% | ||
| Q3 24 | 21.3% | -438.7% | ||
| Q2 24 | 18.5% | -4958.8% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-2.37 | ||
| Q3 25 | $0.68 | $-2.46 | ||
| Q2 25 | $0.71 | $-3.18 | ||
| Q1 25 | $0.66 | $-3.10 | ||
| Q4 24 | $0.62 | $-1.49 | ||
| Q3 24 | $0.53 | $-3.94 | ||
| Q2 24 | $0.45 | $-51.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $249.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $2.6B |
| Total Assets | $4.3B | $2.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $249.7M | ||
| Q3 25 | — | $126.9M | ||
| Q2 25 | — | $127.4M | ||
| Q1 25 | — | $133.9M | ||
| Q4 24 | — | $214.2M | ||
| Q3 24 | — | $853.6M | ||
| Q2 24 | — | $958.8M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $2.6B | ||
| Q3 25 | $499.0M | $2.2B | ||
| Q2 25 | $404.1M | $2.3B | ||
| Q1 25 | $397.4M | $2.4B | ||
| Q4 24 | $388.5M | $2.5B | ||
| Q3 24 | $394.4M | $2.6B | ||
| Q2 24 | $373.8M | $2.7B |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $2.9B | ||
| Q3 25 | $4.1B | $2.6B | ||
| Q2 25 | $4.2B | $2.7B | ||
| Q1 25 | $4.1B | $2.8B | ||
| Q4 24 | $4.1B | $3.0B | ||
| Q3 24 | $4.1B | $3.1B | ||
| Q2 24 | $4.0B | $3.3B |
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 | — | $-63.8M |
| Free Cash FlowOCF − Capex | — | $-63.9M |
| FCF MarginFCF / Revenue | — | -146.5% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-299.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-63.8M | ||
| Q3 25 | $19.0M | $-63.2M | ||
| Q2 25 | $11.1M | $-77.0M | ||
| Q1 25 | $3.6M | $-95.0M | ||
| Q4 24 | $48.2M | — | ||
| Q3 24 | $12.9M | $-104.6M | ||
| Q2 24 | $12.2M | $-171.8M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-63.9M | ||
| Q3 25 | — | $-63.6M | ||
| Q2 25 | — | $-77.3M | ||
| Q1 25 | $3.5M | $-95.1M | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | $-105.6M | ||
| Q2 24 | — | $-173.2M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -146.5% | ||
| Q3 25 | — | -175.8% | ||
| Q2 25 | — | -217.6% | ||
| Q1 25 | 8.5% | -298.6% | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | -368.4% | ||
| Q2 24 | — | -541.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.2% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 10.4% | — | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 4.3% |
| 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% |
GRAL
| Screening Revenue | $42.3M | 97% |
| Developmental Services Revenue | $1.3M | 3% |
