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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and IT TECH PACKAGING, INC. (ITP). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $25.6M, roughly 1.8× IT TECH PACKAGING, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -5.7%, a 37.4% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs 10.5%).
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.
IT TECH PACKAGING, INC. is a paper manufacturing enterprise primarily operating in China. It produces and distributes a diverse portfolio of paper products including corrugated packaging paper, boxboard, and printing-use cultural paper, serving sectors such as consumer goods packaging, logistics, and commercial printing across its core market.
CIVB vs ITP — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $25.6M |
| Net Profit | $15.0M | $-1.4M |
| Gross Margin | — | 7.9% |
| Operating Margin | — | -3.9% |
| Net Margin | 31.7% | -5.7% |
| Revenue YoY | — | 2.1% |
| Net Profit YoY | 47.4% | 26.6% |
| EPS (diluted) | $0.72 | $-0.11 |
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 | — | ||
| Q3 25 | $44.2M | $25.6M | ||
| Q2 25 | $41.4M | $24.8M | ||
| Q1 25 | $40.6M | $10.9M | ||
| Q4 24 | $40.4M | $17.6M | ||
| Q3 24 | $39.3M | $25.1M | ||
| Q2 24 | $38.1M | $26.2M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $12.8M | $-1.4M | ||
| Q2 25 | $11.0M | $-2.0M | ||
| Q1 25 | $10.2M | $-3.5M | ||
| Q4 24 | — | $-4.0M | ||
| Q3 24 | $8.4M | $-2.0M | ||
| Q2 24 | $7.1M | $-77.7K |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 5.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 12.4% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 35.4% | -3.9% | ||
| Q2 25 | 31.1% | -7.1% | ||
| Q1 25 | 29.4% | -31.0% | ||
| Q4 24 | 28.2% | -21.5% | ||
| Q3 24 | 25.2% | -5.8% | ||
| Q2 24 | 21.2% | 2.1% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 28.9% | -5.7% | ||
| Q2 25 | 26.6% | -7.9% | ||
| Q1 25 | 25.0% | -32.2% | ||
| Q4 24 | — | -22.9% | ||
| Q3 24 | 21.3% | -7.9% | ||
| Q2 24 | 18.5% | -0.3% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | $-0.11 | ||
| Q2 25 | $0.71 | $-0.16 | ||
| Q1 25 | $0.66 | $-0.35 | ||
| Q4 24 | $0.62 | $-0.40 | ||
| Q3 24 | $0.53 | $-0.20 | ||
| Q2 24 | $0.45 | $-0.01 |
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 | — | $4.7M |
| Stockholders' EquityBook value | $553.9M | $152.0M |
| Total Assets | $4.3B | $175.7M |
| Debt / EquityLower = less leverage | — | 0.03× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $4.7M | ||
| Q2 25 | — | $4.7M | ||
| Q1 25 | — | $4.7M | ||
| Q4 24 | — | $4.7M | ||
| Q3 24 | — | $8.9M | ||
| Q2 24 | — | $11.3M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | — | ||
| Q3 25 | $499.0M | $152.0M | ||
| Q2 25 | $404.1M | $152.3M | ||
| Q1 25 | $397.4M | $152.8M | ||
| Q4 24 | $388.5M | $156.1M | ||
| Q3 24 | $394.4M | $164.3M | ||
| Q2 24 | $373.8M | $163.5M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | — | ||
| Q3 25 | $4.1B | $175.7M | ||
| Q2 25 | $4.2B | $175.2M | ||
| Q1 25 | $4.1B | $175.2M | ||
| Q4 24 | $4.1B | $177.5M | ||
| Q3 24 | $4.1B | $190.0M | ||
| Q2 24 | $4.0B | $191.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.05× | ||
| Q2 24 | — | 0.07× |
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 | — | $1.5M |
| Free Cash FlowOCF − Capex | — | $1.5M |
| FCF MarginFCF / Revenue | — | 5.9% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $3.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | — | ||
| Q3 25 | $19.0M | $1.5M | ||
| Q2 25 | $11.1M | $1.4M | ||
| Q1 25 | $3.6M | $-2.5M | ||
| Q4 24 | $48.2M | $3.5M | ||
| Q3 24 | $12.9M | $1.5M | ||
| Q2 24 | $12.2M | $721.9K |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | $1.5M | ||
| Q2 25 | — | $1.3M | ||
| Q1 25 | $3.5M | $-2.5M | ||
| Q4 24 | $44.1M | $3.5M | ||
| Q3 24 | — | $1.2M | ||
| Q2 24 | — | $668.3K |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | 5.9% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | 8.5% | -22.8% | ||
| Q4 24 | 109.1% | 19.6% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 2.5% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 10.4% | 0.1% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.2% |
| 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% |
ITP
Segment breakdown not available.
