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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and MARINE PRODUCTS CORP (MPX). Click either name above to swap in a different company.
MARINE PRODUCTS CORP is the larger business by last-quarter revenue ($64.6M vs $47.3M, roughly 1.4× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 3.7%, a 28.1% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -3.5%).
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.
West Marine is an American company based in Fort Lauderdale, Florida, which operates a chain of boating supply and fishing retail stores. The company has 247 retail stores in North America. West Marine also runs Blue Future a non profit organization. West Marine's flagship store is in Fort Lauderdale. Opened on November 11, 2011, the store is the company's largest at over 50,000 square feet.
CIVB vs MPX — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $64.6M |
| Net Profit | $15.0M | $2.4M |
| Gross Margin | — | 19.6% |
| Operating Margin | — | 5.8% |
| Net Margin | 31.7% | 3.7% |
| Revenue YoY | — | 35.0% |
| Net Profit YoY | 47.4% | -44.6% |
| EPS (diluted) | $0.72 | $0.07 |
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 | $64.6M | ||
| Q3 25 | $44.2M | $53.1M | ||
| Q2 25 | $41.4M | $67.7M | ||
| Q1 25 | $40.6M | $59.0M | ||
| Q4 24 | $40.4M | $47.8M | ||
| Q3 24 | $39.3M | $49.9M | ||
| Q2 24 | $38.1M | $69.5M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $2.4M | ||
| Q3 25 | $12.8M | $2.6M | ||
| Q2 25 | $11.0M | $4.2M | ||
| Q1 25 | $10.2M | $2.2M | ||
| Q4 24 | — | $4.3M | ||
| Q3 24 | $8.4M | $3.4M | ||
| Q2 24 | $7.1M | $5.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 19.6% | ||
| Q3 25 | — | 19.2% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 18.4% | ||
| Q2 24 | — | 18.9% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 5.8% | ||
| Q3 25 | 35.4% | 5.4% | ||
| Q2 25 | 31.1% | 7.1% | ||
| Q1 25 | 29.4% | 4.4% | ||
| Q4 24 | 28.2% | 7.7% | ||
| Q3 24 | 25.2% | 7.2% | ||
| Q2 24 | 21.2% | 8.3% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 3.7% | ||
| Q3 25 | 28.9% | 5.0% | ||
| Q2 25 | 26.6% | 6.1% | ||
| Q1 25 | 25.0% | 3.7% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | 21.3% | 6.8% | ||
| Q2 24 | 18.5% | 8.0% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.07 | ||
| Q3 25 | $0.68 | $0.07 | ||
| Q2 25 | $0.71 | $0.12 | ||
| Q1 25 | $0.66 | $0.06 | ||
| Q4 24 | $0.62 | $0.13 | ||
| Q3 24 | $0.53 | $0.10 | ||
| Q2 24 | $0.45 | $0.14 |
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 | $553.9M | $125.0M |
| Total Assets | $4.3B | $147.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $125.0M | ||
| Q3 25 | $499.0M | $126.3M | ||
| Q2 25 | $404.1M | $127.2M | ||
| Q1 25 | $397.4M | $126.4M | ||
| Q4 24 | $388.5M | $129.0M | ||
| Q3 24 | $394.4M | $128.8M | ||
| Q2 24 | $373.8M | $129.3M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $147.2M | ||
| Q3 25 | $4.1B | $179.5M | ||
| Q2 25 | $4.2B | $173.2M | ||
| Q1 25 | $4.1B | $182.9M | ||
| Q4 24 | $4.1B | $171.2M | ||
| Q3 24 | $4.1B | $176.3M | ||
| Q2 24 | $4.0B | $175.7M |
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 | — | $4.7M |
| Free Cash FlowOCF − Capex | — | $4.1M |
| FCF MarginFCF / Revenue | — | 6.4% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 2.00× |
| TTM Free Cash FlowTrailing 4 quarters | — | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $4.7M | ||
| Q3 25 | $19.0M | $2.6M | ||
| Q2 25 | $11.1M | $-1.6M | ||
| Q1 25 | $3.6M | $10.8M | ||
| Q4 24 | $48.2M | $4.6M | ||
| Q3 24 | $12.9M | $5.1M | ||
| Q2 24 | $12.2M | $3.8M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $4.1M | ||
| Q3 25 | — | $2.1M | ||
| Q2 25 | — | $-2.0M | ||
| Q1 25 | $3.5M | $10.7M | ||
| Q4 24 | $44.1M | $3.6M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 6.4% | ||
| Q3 25 | — | 4.0% | ||
| Q2 25 | — | -3.0% | ||
| Q1 25 | 8.5% | 18.1% | ||
| Q4 24 | 109.1% | 7.6% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 4.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.9% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 10.4% | 2.1% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 1.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.00× | ||
| Q3 25 | 1.49× | 0.97× | ||
| Q2 25 | 1.01× | -0.39× | ||
| Q1 25 | 0.36× | 4.88× | ||
| Q4 24 | — | 1.09× | ||
| Q3 24 | 1.54× | 1.51× | ||
| Q2 24 | 1.73× | 0.68× |
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% |
MPX
| Boats And Accessories | $63.4M | 98% |
| Parts | $1.1M | 2% |
