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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and OPAL Fuels Inc. (OPAL). Click either name above to swap in a different company.
OPAL Fuels Inc. is the larger business by last-quarter revenue ($88.4M vs $47.3M, roughly 1.9× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 18.3%, a 13.4% gap on every dollar of revenue. Over the past eight quarters, OPAL Fuels Inc.'s revenue compounded faster (17.6% 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.
OPAL Fuels Inc. is a North American energy company focused on producing and distributing low-carbon renewable natural gas (RNG). It captures methane from landfills, dairy operations and other organic waste streams to produce RNG, which is mainly supplied to heavy-duty transportation fleets, commercial logistics operators and public transport entities to help reduce their greenhouse gas emissions.
CIVB vs OPAL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $88.4M |
| Net Profit | $15.0M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | — | 7.5% |
| Net Margin | 31.7% | 18.3% |
| Revenue YoY | — | 18.7% |
| Net Profit YoY | 47.4% | 401.5% |
| EPS (diluted) | $0.72 | $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.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $88.4M | ||
| Q3 25 | $44.2M | $77.9M | ||
| Q2 25 | $41.4M | $77.4M | ||
| Q1 25 | $40.6M | $83.0M | ||
| Q4 24 | $40.4M | $74.5M | ||
| Q3 24 | $39.3M | $82.6M | ||
| Q2 24 | $38.1M | $69.8M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $16.2M | ||
| Q3 25 | $12.8M | $11.4M | ||
| Q2 25 | $11.0M | $7.6M | ||
| Q1 25 | $10.2M | $1.3M | ||
| Q4 24 | — | $-5.4M | ||
| Q3 24 | $8.4M | $17.1M | ||
| Q2 24 | $7.1M | $1.9M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 7.5% | ||
| Q3 25 | 35.4% | 4.6% | ||
| Q2 25 | 31.1% | -1.1% | ||
| Q1 25 | 29.4% | -2.3% | ||
| Q4 24 | 28.2% | -0.5% | ||
| Q3 24 | 25.2% | 14.9% | ||
| Q2 24 | 21.2% | 8.1% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 18.3% | ||
| Q3 25 | 28.9% | 14.6% | ||
| Q2 25 | 26.6% | 9.8% | ||
| Q1 25 | 25.0% | 1.5% | ||
| Q4 24 | — | -7.2% | ||
| Q3 24 | 21.3% | 20.7% | ||
| Q2 24 | 18.5% | 2.7% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.08 | ||
| Q3 25 | $0.68 | $0.05 | ||
| Q2 25 | $0.71 | $0.03 | ||
| Q1 25 | $0.66 | $-0.01 | ||
| Q4 24 | $0.62 | $-0.05 | ||
| Q3 24 | $0.53 | $0.09 | ||
| Q2 24 | $0.45 | $-0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $24.4M |
| Total DebtLower is stronger | — | $361.3M |
| Stockholders' EquityBook value | $553.9M | $-12.9M |
| Total Assets | $4.3B | $959.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $24.4M | ||
| Q3 25 | — | $29.9M | ||
| Q2 25 | — | $29.3M | ||
| Q1 25 | — | $40.1M | ||
| Q4 24 | — | $24.3M | ||
| Q3 24 | — | $31.0M | ||
| Q2 24 | — | $27.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $361.3M | ||
| Q3 25 | — | $351.2M | ||
| Q2 25 | — | $331.6M | ||
| Q1 25 | — | $307.0M | ||
| Q4 24 | — | $307.5M | ||
| Q3 24 | — | $252.9M | ||
| Q2 24 | — | $233.3M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $-12.9M | ||
| Q3 25 | $499.0M | $7.5M | ||
| Q2 25 | $404.1M | $-25.0M | ||
| Q1 25 | $397.4M | $57.1M | ||
| Q4 24 | $388.5M | $-148.4M | ||
| Q3 24 | $394.4M | $-180.1M | ||
| Q2 24 | $373.8M | $-273.0M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $959.5M | ||
| Q3 25 | $4.1B | $916.7M | ||
| Q2 25 | $4.2B | $905.5M | ||
| Q1 25 | $4.1B | $884.9M | ||
| Q4 24 | $4.1B | $881.1M | ||
| Q3 24 | $4.1B | $831.1M | ||
| Q2 24 | $4.0B | $782.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 46.95× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 5.38× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | — | $-3.5M |
| Free Cash FlowOCF − Capex | — | $-13.4M |
| FCF MarginFCF / Revenue | — | -15.1% |
| Capex IntensityCapex / Revenue | — | 11.1% |
| Cash ConversionOCF / Net Profit | — | -0.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-34.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-3.5M | ||
| Q3 25 | $19.0M | $18.2M | ||
| Q2 25 | $11.1M | $-7.9M | ||
| Q1 25 | $3.6M | $29.7M | ||
| Q4 24 | $48.2M | $-532.0K | ||
| Q3 24 | $12.9M | $17.7M | ||
| Q2 24 | $12.2M | $533.0K |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $-13.4M | ||
| Q3 25 | — | $-9.3M | ||
| Q2 25 | — | $-29.7M | ||
| Q1 25 | $3.5M | $18.1M | ||
| Q4 24 | $44.1M | $-55.0M | ||
| Q3 24 | — | $-5.4M | ||
| Q2 24 | — | $-22.5M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | -15.1% | ||
| Q3 25 | — | -11.9% | ||
| Q2 25 | — | -38.4% | ||
| Q1 25 | 8.5% | 21.8% | ||
| Q4 24 | 109.1% | -73.8% | ||
| Q3 24 | — | -6.5% | ||
| Q2 24 | — | -32.2% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 11.1% | ||
| Q3 25 | — | 35.3% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | 0.4% | 13.9% | ||
| Q4 24 | 10.4% | 73.1% | ||
| Q3 24 | — | 27.9% | ||
| Q2 24 | — | 32.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | -0.22× | ||
| Q3 25 | 1.49× | 1.60× | ||
| Q2 25 | 1.01× | -1.04× | ||
| Q1 25 | 0.36× | 23.11× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | 1.03× | ||
| Q2 24 | 1.73× | 0.28× |
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% |
OPAL
| Fuel Station Services Segment | $65.1M | 74% |
| Related Party | $12.1M | 14% |
| Renewable Power Segment | $8.6M | 10% |
| Other | $2.6M | 3% |
