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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and LINKBANCORP, Inc. (LNKB). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($46.3M vs $46.0M, roughly 1.0× LINKBANCORP, Inc.). On growth, CIVISTA BANCSHARES, INC. posted the faster year-over-year revenue change (14.8% vs 7.3%). CIVISTA BANCSHARES, INC. produced more free cash flow last quarter ($42.1M vs $23.8M). Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (12.5% CAGR vs 6.6%).
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.
LINKBANCORP, Inc. is a US-based bank holding company that offers comprehensive retail and commercial banking services to individual consumers, small businesses, and mid-sized enterprises. Its core offerings include deposit accounts, lending products, wealth management solutions, and digital banking services, primarily serving customers across regional markets in Pennsylvania.
CIVB vs LNKB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.3M | $46.0M |
| Net Profit | — | $2.9M |
| Gross Margin | — | — |
| Operating Margin | 31.8% | 8.5% |
| Net Margin | — | 6.4% |
| Revenue YoY | 14.8% | 7.3% |
| Net Profit YoY | — | -61.2% |
| EPS (diluted) | $0.59 | $0.08 |
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 | $46.0M | ||
| Q3 25 | $44.2M | $44.8M | ||
| Q2 25 | $41.4M | $42.3M | ||
| Q1 25 | $40.6M | $53.4M | ||
| Q4 24 | $40.4M | $42.9M | ||
| Q3 24 | $39.3M | $42.9M | ||
| Q2 24 | $38.1M | $41.3M | ||
| Q1 24 | $36.6M | $40.5M |
| Q4 25 | — | $2.9M | ||
| Q3 25 | $12.8M | $7.8M | ||
| Q2 25 | $11.0M | $7.4M | ||
| Q1 25 | $10.2M | $15.3M | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $8.4M | $7.1M | ||
| Q2 24 | $7.1M | $5.8M | ||
| Q1 24 | $6.4M | $5.7M |
| Q4 25 | 31.8% | 8.5% | ||
| Q3 25 | 35.4% | 22.3% | ||
| Q2 25 | 31.1% | 22.4% | ||
| Q1 25 | 29.4% | 36.0% | ||
| Q4 24 | 28.2% | 22.6% | ||
| Q3 24 | 25.2% | 21.3% | ||
| Q2 24 | 21.2% | 18.0% | ||
| Q1 24 | 19.6% | 18.1% |
| Q4 25 | — | 6.4% | ||
| Q3 25 | 28.9% | 17.5% | ||
| Q2 25 | 26.6% | 17.5% | ||
| Q1 25 | 25.0% | 28.7% | ||
| Q4 24 | — | 17.7% | ||
| Q3 24 | 21.3% | 16.5% | ||
| Q2 24 | 18.5% | 14.1% | ||
| Q1 24 | 17.4% | 14.1% |
| Q4 25 | $0.59 | $0.08 | ||
| Q3 25 | $0.68 | $0.21 | ||
| Q2 25 | $0.71 | $0.20 | ||
| Q1 25 | $0.66 | $0.41 | ||
| Q4 24 | $0.62 | $0.21 | ||
| Q3 24 | $0.53 | $0.19 | ||
| Q2 24 | $0.45 | $0.16 | ||
| Q1 24 | $0.41 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $52.3M |
| Total DebtLower is stronger | — | $177.3M |
| Stockholders' EquityBook value | $543.5M | $306.4M |
| Total Assets | $4.3B | $3.1B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $52.3M | ||
| Q3 25 | — | $194.2M | ||
| Q2 25 | — | $155.1M | ||
| Q1 25 | — | $220.2M | ||
| Q4 24 | — | $166.1M | ||
| Q3 24 | — | $191.2M | ||
| Q2 24 | — | $181.7M | ||
| Q1 24 | — | $172.3M |
| Q4 25 | — | $177.3M | ||
| Q3 25 | — | $102.3M | ||
| Q2 25 | — | $102.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $112.5M | ||
| Q3 24 | — | $102.4M | ||
| Q2 24 | — | $102.3M | ||
| Q1 24 | — | $102.2M |
| Q4 25 | $543.5M | $306.4M | ||
| Q3 25 | $499.0M | $305.5M | ||
| Q2 25 | $404.1M | $298.0M | ||
| Q1 25 | $397.4M | $294.1M | ||
| Q4 24 | $388.5M | $280.2M | ||
| Q3 24 | $394.4M | $277.4M | ||
| Q2 24 | $373.8M | $271.4M | ||
| Q1 24 | $369.7M | $268.2M |
| Q4 25 | $4.3B | $3.1B | ||
| Q3 25 | $4.1B | $3.1B | ||
| Q2 25 | $4.2B | $2.9B | ||
| Q1 25 | $4.1B | $2.9B | ||
| Q4 24 | $4.1B | $2.9B | ||
| Q3 24 | $4.1B | $2.9B | ||
| Q2 24 | $4.0B | $2.9B | ||
| Q1 24 | $3.9B | $2.8B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.33× | ||
| Q2 25 | — | 0.34× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.38× | ||
| Q1 24 | — | 0.38× |
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 | $25.3M |
| Free Cash FlowOCF − Capex | $42.1M | $23.8M |
| FCF MarginFCF / Revenue | 90.9% | 51.7% |
| Capex IntensityCapex / Revenue | 2.5% | 3.2% |
| Cash ConversionOCF / Net Profit | — | 8.59× |
| TTM Free Cash FlowTrailing 4 quarters | — | $55.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.3M | $25.3M | ||
| Q3 25 | $19.0M | $23.6M | ||
| Q2 25 | $11.1M | $6.3M | ||
| Q1 25 | $3.6M | $2.6M | ||
| Q4 24 | $48.2M | $25.4M | ||
| Q3 24 | $12.9M | $14.0M | ||
| Q2 24 | $12.2M | $6.4M | ||
| Q1 24 | $752.0K | $-771.0K |
| Q4 25 | $42.1M | $23.8M | ||
| Q3 25 | — | $23.2M | ||
| Q2 25 | — | $6.1M | ||
| Q1 25 | $3.5M | $2.2M | ||
| Q4 24 | $44.1M | $22.6M | ||
| Q3 24 | — | $13.1M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | $629.0K | $-1.2M |
| Q4 25 | 90.9% | 51.7% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 14.5% | ||
| Q1 25 | 8.5% | 4.2% | ||
| Q4 24 | 109.1% | 52.6% | ||
| Q3 24 | — | 30.5% | ||
| Q2 24 | — | 15.3% | ||
| Q1 24 | 1.7% | -3.0% |
| Q4 25 | 2.5% | 3.2% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | 0.4% | 0.7% | ||
| Q4 24 | 10.4% | 6.7% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | 0.3% | 1.1% |
| Q4 25 | — | 8.59× | ||
| Q3 25 | 1.49× | 3.01× | ||
| Q2 25 | 1.01× | 0.85× | ||
| Q1 25 | 0.36× | 0.17× | ||
| Q4 24 | — | 3.35× | ||
| Q3 24 | 1.54× | 1.97× | ||
| Q2 24 | 1.73× | 1.10× | ||
| Q1 24 | 0.12× | -0.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
