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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and NACCO INDUSTRIES INC (NC). Click either name above to swap in a different company.
NACCO INDUSTRIES INC is the larger business by last-quarter revenue ($66.8M vs $46.3M, roughly 1.4× CIVISTA BANCSHARES, INC.). On growth, CIVISTA BANCSHARES, INC. posted the faster year-over-year revenue change (14.8% vs -5.2%). Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (12.5% CAGR vs 11.9%).
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.
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
CIVB vs NC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.3M | $66.8M |
| Net Profit | — | $-3.8M |
| Gross Margin | — | 18.0% |
| Operating Margin | 31.8% | 11.3% |
| Net Margin | — | -5.8% |
| Revenue YoY | 14.8% | -5.2% |
| Net Profit YoY | — | -150.8% |
| EPS (diluted) | $0.59 | $-0.53 |
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 | $66.8M | ||
| Q3 25 | $44.2M | $76.6M | ||
| Q2 25 | $41.4M | $68.2M | ||
| Q1 25 | $40.6M | $65.6M | ||
| Q4 24 | $40.4M | $70.4M | ||
| Q3 24 | $39.3M | $61.7M | ||
| Q2 24 | $38.1M | $52.3M | ||
| Q1 24 | $36.6M | $53.3M |
| Q4 25 | — | $-3.8M | ||
| Q3 25 | $12.8M | $13.3M | ||
| Q2 25 | $11.0M | $3.3M | ||
| Q1 25 | $10.2M | $4.9M | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $8.4M | $15.6M | ||
| Q2 24 | $7.1M | $6.0M | ||
| Q1 24 | $6.4M | $4.6M |
| Q4 25 | — | 18.0% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | 13.2% |
| Q4 25 | 31.8% | 11.3% | ||
| Q3 25 | 35.4% | 8.8% | ||
| Q2 25 | 31.1% | -0.1% | ||
| Q1 25 | 29.4% | 11.7% | ||
| Q4 24 | 28.2% | 5.5% | ||
| Q3 24 | 25.2% | 31.9% | ||
| Q2 24 | 21.2% | 14.1% | ||
| Q1 24 | 19.6% | 8.9% |
| Q4 25 | — | -5.8% | ||
| Q3 25 | 28.9% | 17.3% | ||
| Q2 25 | 26.6% | 4.8% | ||
| Q1 25 | 25.0% | 7.5% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | 21.3% | 25.4% | ||
| Q2 24 | 18.5% | 11.4% | ||
| Q1 24 | 17.4% | 8.6% |
| Q4 25 | $0.59 | $-0.53 | ||
| Q3 25 | $0.68 | $1.78 | ||
| Q2 25 | $0.71 | $0.44 | ||
| Q1 25 | $0.66 | $0.66 | ||
| Q4 24 | $0.62 | $0.99 | ||
| Q3 24 | $0.53 | $2.14 | ||
| Q2 24 | $0.45 | $0.81 | ||
| Q1 24 | $0.41 | $0.61 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $49.7M |
| Total DebtLower is stronger | — | $100.8M |
| Stockholders' EquityBook value | $543.5M | $429.2M |
| Total Assets | $4.3B | $661.2M |
| Debt / EquityLower = less leverage | — | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $49.7M | ||
| Q3 25 | — | $52.7M | ||
| Q2 25 | — | $49.4M | ||
| Q1 25 | — | $61.9M | ||
| Q4 24 | — | $72.8M | ||
| Q3 24 | — | $63.1M | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $61.8M |
| Q4 25 | — | $100.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $99.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.0M | ||
| Q1 24 | — | $28.4M |
| Q4 25 | $543.5M | $429.2M | ||
| Q3 25 | $499.0M | $426.4M | ||
| Q2 25 | $404.1M | $413.1M | ||
| Q1 25 | $397.4M | $409.1M | ||
| Q4 24 | $388.5M | $404.9M | ||
| Q3 24 | $394.4M | $397.3M | ||
| Q2 24 | $373.8M | $384.1M | ||
| Q1 24 | $369.7M | $381.6M |
| Q4 25 | $4.3B | $661.2M | ||
| Q3 25 | $4.1B | $637.6M | ||
| Q2 25 | $4.2B | $631.3M | ||
| Q1 25 | $4.1B | $634.2M | ||
| Q4 24 | $4.1B | $631.7M | ||
| Q3 24 | $4.1B | $597.4M | ||
| Q2 24 | $4.0B | $560.1M | ||
| Q1 24 | $3.9B | $538.0M |
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.08× | ||
| Q1 24 | — | 0.07× |
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 | $11.4M |
| 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 | $11.4M | ||
| Q3 25 | $19.0M | $42.3M | ||
| Q2 25 | $11.1M | $-7.8M | ||
| Q1 25 | $3.6M | $5.0M | ||
| Q4 24 | $48.2M | $25.2M | ||
| Q3 24 | $12.9M | $2.8M | ||
| Q2 24 | $12.2M | $4.1M | ||
| Q1 24 | $752.0K | $-9.8M |
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $629.0K | — |
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | — | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.7% | — |
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 10.4% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | 3.19× | ||
| Q2 25 | 1.01× | -2.39× | ||
| Q1 25 | 0.36× | 1.03× | ||
| Q4 24 | — | 3.33× | ||
| Q3 24 | 1.54× | 0.18× | ||
| Q2 24 | 1.73× | 0.68× | ||
| Q1 24 | 0.12× | -2.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIVB
Segment breakdown not available.
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
