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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and MicroAlgo Inc. (MLGO). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($46.3M vs $26.3M, roughly 1.8× MicroAlgo Inc.). On growth, CIVISTA BANCSHARES, INC. posted the faster year-over-year revenue change (14.8% vs -35.5%).
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.
MicroAlgo Inc. is a technology enterprise specializing in custom algorithm optimization solutions. It mainly serves clients across smart city management, industrial internet, and e-commerce sectors, helping enterprises improve operational efficiency, reduce operating costs, and optimize data processing performance for real business scenarios.
CIVB vs MLGO — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.3M | $26.3M |
| Net Profit | — | — |
| Gross Margin | — | — |
| Operating Margin | 31.8% | — |
| Net Margin | — | — |
| Revenue YoY | 14.8% | -35.5% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.59 | — |
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 | — | ||
| Q3 25 | $44.2M | — | ||
| Q2 25 | $41.4M | $26.3M | ||
| Q1 25 | $40.6M | — | ||
| Q4 24 | $40.4M | $34.6M | ||
| Q3 24 | $39.3M | — | ||
| Q2 24 | $38.1M | $40.8M | ||
| Q1 24 | $36.6M | — |
| Q4 25 | — | — | ||
| Q3 25 | $12.8M | — | ||
| Q2 25 | $11.0M | — | ||
| Q1 25 | $10.2M | — | ||
| Q4 24 | — | $4.2M | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $7.1M | — | ||
| Q1 24 | $6.4M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 26.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 31.8% | — | ||
| Q3 25 | 35.4% | — | ||
| Q2 25 | 31.1% | — | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | 28.2% | 7.0% | ||
| Q3 24 | 25.2% | — | ||
| Q2 24 | 21.2% | — | ||
| Q1 24 | 19.6% | — |
| Q4 25 | — | — | ||
| Q3 25 | 28.9% | — | ||
| Q2 25 | 26.6% | — | ||
| Q1 25 | 25.0% | — | ||
| Q4 24 | — | 12.1% | ||
| Q3 24 | 21.3% | — | ||
| Q2 24 | 18.5% | — | ||
| Q1 24 | 17.4% | — |
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | — | ||
| Q2 25 | $0.71 | — | ||
| Q1 25 | $0.66 | — | ||
| Q4 24 | $0.62 | $0.56 | ||
| Q3 24 | $0.53 | — | ||
| Q2 24 | $0.45 | — | ||
| Q1 24 | $0.41 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $319.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $543.5M | $317.6M |
| Total Assets | $4.3B | $330.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $319.4M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $164.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $66.7M | ||
| Q1 24 | — | — |
| Q4 25 | $543.5M | — | ||
| Q3 25 | $499.0M | — | ||
| Q2 25 | $404.1M | $317.6M | ||
| Q1 25 | $397.4M | — | ||
| Q4 24 | $388.5M | $144.9M | ||
| Q3 24 | $394.4M | — | ||
| Q2 24 | $373.8M | $76.0M | ||
| Q1 24 | $369.7M | — |
| Q4 25 | $4.3B | — | ||
| Q3 25 | $4.1B | — | ||
| Q2 25 | $4.2B | $330.8M | ||
| Q1 25 | $4.1B | — | ||
| Q4 24 | $4.1B | $176.3M | ||
| Q3 24 | $4.1B | — | ||
| Q2 24 | $4.0B | $107.6M | ||
| Q1 24 | $3.9B | — |
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 | — |
| Free Cash FlowOCF − Capex | $42.1M | — |
| FCF MarginFCF / Revenue | 90.9% | — |
| Capex IntensityCapex / Revenue | 2.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $43.3M | — | ||
| Q3 25 | $19.0M | — | ||
| Q2 25 | $11.1M | — | ||
| Q1 25 | $3.6M | — | ||
| Q4 24 | $48.2M | $4.8M | ||
| Q3 24 | $12.9M | — | ||
| Q2 24 | $12.2M | — | ||
| Q1 24 | $752.0K | — |
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $44.1M | $4.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $629.0K | — |
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | — | ||
| Q4 24 | 109.1% | 13.8% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.7% | — |
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 10.4% | 0.0% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | 0.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | — | ||
| Q1 24 | 0.12× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
