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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Maison Solutions Inc. (MSS). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $27.6M, roughly 1.7× Maison Solutions Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -18.0%, a 49.7% gap on every dollar of revenue. Over the past eight quarters, Maison Solutions Inc.'s revenue compounded faster (42.5% CAGR vs 11.3%).
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.
Maison Solutions Inc.MSSEarnings & Financial Report
Maison Solutions Inc. is a specialty home goods retail company that provides a diverse portfolio of stylish, affordably priced furniture, home decor items, and daily household products. Its primary market is the Guangdong-Hong Kong-Macao Greater Bay Area in China, serving mass consumers through both offline physical stores and online e-commerce channels.
CIVB vs MSS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $27.6M |
| Net Profit | $15.0M | $-5.0M |
| Gross Margin | — | 23.4% |
| Operating Margin | — | -4.9% |
| Net Margin | 31.7% | -18.0% |
| Revenue YoY | — | -10.9% |
| Net Profit YoY | 47.4% | -1840.5% |
| EPS (diluted) | $0.72 | $-0.23 |
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 | $27.6M | ||
| Q3 25 | $44.2M | $27.2M | ||
| Q2 25 | $41.4M | $34.4M | ||
| Q1 25 | $40.6M | $32.3M | ||
| Q4 24 | $40.4M | $29.4M | ||
| Q3 24 | $39.3M | $28.2M | ||
| Q2 24 | $38.1M | $16.9M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-5.0M | ||
| Q3 25 | $12.8M | $-1.5M | ||
| Q2 25 | $11.0M | $-287.4K | ||
| Q1 25 | $10.2M | $1.0M | ||
| Q4 24 | — | $-256.0K | ||
| Q3 24 | $8.4M | $700.9K | ||
| Q2 24 | $7.1M | $-2.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 23.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 26.9% | ||
| Q3 24 | — | 28.9% | ||
| Q2 24 | — | 13.0% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -4.9% | ||
| Q3 25 | 35.4% | 0.7% | ||
| Q2 25 | 31.1% | -15.9% | ||
| Q1 25 | 29.4% | 3.7% | ||
| Q4 24 | 28.2% | 3.2% | ||
| Q3 24 | 25.2% | 7.3% | ||
| Q2 24 | 21.2% | -14.4% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -18.0% | ||
| Q3 25 | 28.9% | -5.7% | ||
| Q2 25 | 26.6% | -0.8% | ||
| Q1 25 | 25.0% | 3.1% | ||
| Q4 24 | — | -0.9% | ||
| Q3 24 | 21.3% | 2.5% | ||
| Q2 24 | 18.5% | -16.4% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.23 | ||
| Q3 25 | $0.68 | $-0.08 | ||
| Q2 25 | $0.71 | $-0.02 | ||
| Q1 25 | $0.66 | $0.06 | ||
| Q4 24 | $0.62 | $-0.01 | ||
| Q3 24 | $0.53 | $0.04 | ||
| Q2 24 | $0.45 | $-0.16 |
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 | — | $2.6M |
| Stockholders' EquityBook value | $553.9M | $11.6M |
| Total Assets | $4.3B | $75.4M |
| Debt / EquityLower = less leverage | — | 0.22× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $1.1M | ||
| Q2 25 | — | $775.4K | ||
| Q1 25 | — | $445.4K | ||
| Q4 24 | — | $355.7K | ||
| Q3 24 | — | $588.9K | ||
| Q2 24 | — | $2.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.5M | ||
| Q2 24 | — | $2.6M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $11.6M | ||
| Q3 25 | $499.0M | $10.1M | ||
| Q2 25 | $404.1M | $11.7M | ||
| Q1 25 | $397.4M | $12.0M | ||
| Q4 24 | $388.5M | $10.9M | ||
| Q3 24 | $394.4M | $11.2M | ||
| Q2 24 | $373.8M | $10.5M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $75.4M | ||
| Q3 25 | $4.1B | $73.3M | ||
| Q2 25 | $4.2B | $77.4M | ||
| Q1 25 | $4.1B | $82.7M | ||
| Q4 24 | $4.1B | $82.7M | ||
| Q3 24 | $4.1B | $82.1M | ||
| Q2 24 | $4.0B | $82.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.24× |
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 | — | $-1.7M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-1.7M | ||
| Q3 25 | $19.0M | $1.1M | ||
| Q2 25 | $11.1M | $-1.6M | ||
| Q1 25 | $3.6M | $1.7M | ||
| Q4 24 | $48.2M | $1.1M | ||
| Q3 24 | $12.9M | $3.6M | ||
| Q2 24 | $12.2M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | — | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 10.4% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | 1.66× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | 5.12× | ||
| 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% |
MSS
| Perishables | $14.4M | 52% |
| Nonperishables | $13.2M | 48% |
