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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Legacy Housing Corp (LEGH). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $25.5M, roughly 1.9× Legacy Housing Corp). Legacy Housing Corp runs the higher net margin — 32.2% vs 31.7%, a 0.4% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -9.1%).
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.
Legacy Housing Corp is a prominent U.S.-based manufacturer of affordable manufactured homes, tiny homes, and accessory dwelling units. It mainly caters to low- and middle-income consumers across North America, providing customizable residential solutions, supporting construction materials, and after-sales services for individual and community development clients.
CIVB vs LEGH — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $25.5M |
| Net Profit | $15.0M | $8.2M |
| Gross Margin | — | 26.4% |
| Operating Margin | — | 40.4% |
| Net Margin | 31.7% | 32.2% |
| Revenue YoY | — | -30.6% |
| Net Profit YoY | 47.4% | -43.5% |
| EPS (diluted) | $0.72 | $0.38 |
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 | $25.5M | ||
| Q3 25 | $44.2M | $28.8M | ||
| Q2 25 | $41.4M | $38.4M | ||
| Q1 25 | $40.6M | $24.3M | ||
| Q4 24 | $40.4M | $36.7M | ||
| Q3 24 | $39.3M | $30.2M | ||
| Q2 24 | $38.1M | $31.7M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $8.2M | ||
| Q3 25 | $12.8M | $8.6M | ||
| Q2 25 | $11.0M | $14.7M | ||
| Q1 25 | $10.2M | $10.3M | ||
| Q4 24 | — | $14.5M | ||
| Q3 24 | $8.4M | $15.8M | ||
| Q2 24 | $7.1M | $16.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | 26.4% | ||
| Q3 25 | — | 20.2% | ||
| Q2 25 | — | 32.4% | ||
| Q1 25 | — | 29.2% | ||
| Q4 24 | — | 27.3% | ||
| Q3 24 | — | 29.2% | ||
| Q2 24 | — | 31.9% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 40.4% | ||
| Q3 25 | 35.4% | 33.7% | ||
| Q2 25 | 31.1% | 43.8% | ||
| Q1 25 | 29.4% | 47.7% | ||
| Q4 24 | 28.2% | 42.3% | ||
| Q3 24 | 25.2% | 50.8% | ||
| Q2 24 | 21.2% | 50.6% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 32.2% | ||
| Q3 25 | 28.9% | 30.0% | ||
| Q2 25 | 26.6% | 38.3% | ||
| Q1 25 | 25.0% | 42.3% | ||
| Q4 24 | — | 39.5% | ||
| Q3 24 | 21.3% | 52.4% | ||
| Q2 24 | 18.5% | 51.1% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.38 | ||
| Q3 25 | $0.68 | $0.35 | ||
| Q2 25 | $0.71 | $0.60 | ||
| Q1 25 | $0.66 | $0.41 | ||
| Q4 24 | $0.62 | $0.59 | ||
| Q3 24 | $0.53 | $0.64 | ||
| Q2 24 | $0.45 | $0.65 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $528.6M |
| Total Assets | $4.3B | $580.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $8.5M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | $3.4M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $570.0K | ||
| Q2 24 | — | $60.0K |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $528.6M | ||
| Q3 25 | $499.0M | $521.6M | ||
| Q2 25 | $404.1M | $512.8M | ||
| Q1 25 | $397.4M | $503.7M | ||
| Q4 24 | $388.5M | $494.0M | ||
| Q3 24 | $394.4M | $479.3M | ||
| Q2 24 | $373.8M | $463.2M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $580.3M | ||
| Q3 25 | $4.1B | $557.9M | ||
| Q2 25 | $4.2B | $552.0M | ||
| Q1 25 | $4.1B | $544.6M | ||
| Q4 24 | $4.1B | $534.2M | ||
| Q3 24 | $4.1B | $521.4M | ||
| Q2 24 | $4.0B | $514.9M |
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 | — | $19.0M |
| Free Cash FlowOCF − Capex | — | $15.7M |
| FCF MarginFCF / Revenue | — | 61.6% |
| Capex IntensityCapex / Revenue | — | 13.1% |
| Cash ConversionOCF / Net Profit | — | 2.32× |
| TTM Free Cash FlowTrailing 4 quarters | — | $28.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $19.0M | ||
| Q3 25 | $19.0M | $7.2M | ||
| Q2 25 | $11.1M | $6.1M | ||
| Q1 25 | $3.6M | $4.9M | ||
| Q4 24 | $48.2M | $7.9M | ||
| Q3 24 | $12.9M | $13.8M | ||
| Q2 24 | $12.2M | $3.5M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $15.7M | ||
| Q3 25 | — | $5.1M | ||
| Q2 25 | — | $3.7M | ||
| Q1 25 | $3.5M | $3.6M | ||
| Q4 24 | $44.1M | $6.0M | ||
| Q3 24 | — | $9.1M | ||
| Q2 24 | — | $1.7M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 61.6% | ||
| Q3 25 | — | 17.8% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | 8.5% | 15.0% | ||
| Q4 24 | 109.1% | 16.4% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 5.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 13.1% | ||
| Q3 25 | — | 7.1% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | 0.4% | 5.2% | ||
| Q4 24 | 10.4% | 5.1% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 5.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.32× | ||
| Q3 25 | 1.49× | 0.83× | ||
| Q2 25 | 1.01× | 0.41× | ||
| Q1 25 | 0.36× | 0.48× | ||
| Q4 24 | — | 0.54× | ||
| Q3 24 | 1.54× | 0.88× | ||
| Q2 24 | 1.73× | 0.21× |
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% |
LEGH
| Commercial Sales | $8.6M | 34% |
| Retail Store Sales | $6.0M | 24% |
| Inventory Finance Sales | $5.0M | 20% |
| Direct Sales | $4.4M | 17% |
| Other | $1.5M | 6% |
