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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Hour Loop, Inc (HOUR). Click either name above to swap in a different company.
Hour Loop, Inc is the larger business by last-quarter revenue ($56.1M vs $46.3M, roughly 1.2× CIVISTA BANCSHARES, INC.). On growth, CIVISTA BANCSHARES, INC. posted the faster year-over-year revenue change (14.8% vs 3.0%). CIVISTA BANCSHARES, INC. produced more free cash flow last quarter ($42.1M vs $3.0M). Over the past eight quarters, Hour Loop, Inc's revenue compounded faster (50.7% 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.
Hour Loop, Inc. is an e-commerce retail company that offers a diverse portfolio of products including home goods, apparel, toys, electronics accessories, and daily consumer essentials. It primarily operates through leading third-party online marketplaces, with its core customer base concentrated in North America, focusing on delivering affordable, high-value daily products to mass consumers.
CIVB vs HOUR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.3M | $56.1M |
| Net Profit | — | $-657.3K |
| Gross Margin | — | 49.6% |
| Operating Margin | 31.8% | -1.5% |
| Net Margin | — | -1.2% |
| Revenue YoY | 14.8% | 3.0% |
| Net Profit YoY | — | 57.0% |
| EPS (diluted) | $0.59 | $-0.02 |
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.
| Q4 25 | $46.3M | $56.1M | ||
| Q3 25 | $44.2M | $33.4M | ||
| Q2 25 | $41.4M | $27.1M | ||
| Q1 25 | $40.6M | $25.8M | ||
| Q4 24 | $40.4M | $54.4M | ||
| Q3 24 | $39.3M | $31.1M | ||
| Q2 24 | $38.1M | $28.1M | ||
| Q1 24 | $36.6M | $24.7M |
| Q4 25 | — | $-657.3K | ||
| Q3 25 | $12.8M | $530.6K | ||
| Q2 25 | $11.0M | $1.2M | ||
| Q1 25 | $10.2M | $654.5K | ||
| Q4 24 | — | $-1.5M | ||
| Q3 24 | $8.4M | $469.6K | ||
| Q2 24 | $7.1M | $649.1K | ||
| Q1 24 | $6.4M | $1.1M |
| Q4 25 | — | 49.6% | ||
| Q3 25 | — | 51.4% | ||
| Q2 25 | — | 57.2% | ||
| Q1 25 | — | 54.7% | ||
| Q4 24 | — | 45.7% | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 55.7% | ||
| Q1 24 | — | 58.6% |
| Q4 25 | 31.8% | -1.5% | ||
| Q3 25 | 35.4% | 2.2% | ||
| Q2 25 | 31.1% | 6.0% | ||
| Q1 25 | 29.4% | 3.6% | ||
| Q4 24 | 28.2% | -4.5% | ||
| Q3 24 | 25.2% | 2.3% | ||
| Q2 24 | 21.2% | 3.3% | ||
| Q1 24 | 19.6% | 6.2% |
| Q4 25 | — | -1.2% | ||
| Q3 25 | 28.9% | 1.6% | ||
| Q2 25 | 26.6% | 4.3% | ||
| Q1 25 | 25.0% | 2.5% | ||
| Q4 24 | — | -2.8% | ||
| Q3 24 | 21.3% | 1.5% | ||
| Q2 24 | 18.5% | 2.3% | ||
| Q1 24 | 17.4% | 4.3% |
| Q4 25 | $0.59 | $-0.02 | ||
| Q3 25 | $0.68 | $0.01 | ||
| Q2 25 | $0.71 | $0.04 | ||
| Q1 25 | $0.66 | $0.02 | ||
| Q4 24 | $0.62 | $-0.04 | ||
| Q3 24 | $0.53 | $0.01 | ||
| Q2 24 | $0.45 | $0.02 | ||
| Q1 24 | $0.41 | $0.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $543.5M | $7.0M |
| Total Assets | $4.3B | $23.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $2.9M |
| Q4 25 | $543.5M | $7.0M | ||
| Q3 25 | $499.0M | $7.7M | ||
| Q2 25 | $404.1M | $7.2M | ||
| Q1 25 | $397.4M | $5.8M | ||
| Q4 24 | $388.5M | $5.2M | ||
| Q3 24 | $394.4M | $6.7M | ||
| Q2 24 | $373.8M | $6.2M | ||
| Q1 24 | $369.7M | $5.5M |
| Q4 25 | $4.3B | $23.8M | ||
| Q3 25 | $4.1B | $31.6M | ||
| Q2 25 | $4.2B | $23.0M | ||
| Q1 25 | $4.1B | $19.1M | ||
| Q4 24 | $4.1B | $20.0M | ||
| Q3 24 | $4.1B | $32.4M | ||
| Q2 24 | $4.0B | $20.2M | ||
| Q1 24 | $3.9B | $16.7M |
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 | $3.0M |
| Free Cash FlowOCF − Capex | $42.1M | $3.0M |
| FCF MarginFCF / Revenue | 90.9% | 5.3% |
| Capex IntensityCapex / Revenue | 2.5% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.3M | $3.0M | ||
| Q3 25 | $19.0M | $500.4K | ||
| Q2 25 | $11.1M | $-901.5K | ||
| Q1 25 | $3.6M | $-23.9K | ||
| Q4 24 | $48.2M | $1.5M | ||
| Q3 24 | $12.9M | $-2.2M | ||
| Q2 24 | $12.2M | $456.2K | ||
| Q1 24 | $752.0K | $492.9K |
| Q4 25 | $42.1M | $3.0M | ||
| Q3 25 | — | $449.3K | ||
| Q2 25 | — | $-901.6K | ||
| Q1 25 | $3.5M | $-24.6K | ||
| Q4 24 | $44.1M | $1.5M | ||
| Q3 24 | — | $-2.2M | ||
| Q2 24 | — | $439.4K | ||
| Q1 24 | $629.0K | $475.1K |
| Q4 25 | 90.9% | 5.3% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | -3.3% | ||
| Q1 25 | 8.5% | -0.1% | ||
| Q4 24 | 109.1% | 2.8% | ||
| Q3 24 | — | -7.0% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | 1.7% | 1.9% |
| Q4 25 | 2.5% | 0.0% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | 0.4% | 0.0% | ||
| Q4 24 | 10.4% | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | 0.3% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | 0.94× | ||
| Q2 25 | 1.01× | -0.77× | ||
| Q1 25 | 0.36× | -0.04× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | -4.64× | ||
| Q2 24 | 1.73× | 0.70× | ||
| Q1 24 | 0.12× | 0.46× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
