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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and OneSpan Inc. (OSPN). Click either name above to swap in a different company.
OneSpan Inc. is the larger business by last-quarter revenue ($65.9M vs $47.3M, roughly 1.4× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 17.5%, a 14.2% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs 4.0%).
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.
OneSpan Inc. is an information security company based in Boston, Massachusetts. Services include an internet fraud prevention platform, multi-factor authentication tools and electronic signature software.
CIVB vs OSPN — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $65.9M |
| Net Profit | $15.0M | $11.6M |
| Gross Margin | — | 73.6% |
| Operating Margin | — | 22.5% |
| Net Margin | 31.7% | 17.5% |
| Revenue YoY | — | 4.1% |
| Net Profit YoY | 47.4% | — |
| EPS (diluted) | $0.72 | $0.39 |
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 | $65.9M | ||
| Q4 25 | $46.3M | $62.9M | ||
| Q3 25 | $44.2M | $57.1M | ||
| Q2 25 | $41.4M | $59.8M | ||
| Q1 25 | $40.6M | $63.4M | ||
| Q4 24 | $40.4M | $61.2M | ||
| Q3 24 | $39.3M | $56.2M | ||
| Q2 24 | $38.1M | $60.9M |
| Q1 26 | $15.0M | $11.6M | ||
| Q4 25 | — | $43.5M | ||
| Q3 25 | $12.8M | $6.5M | ||
| Q2 25 | $11.0M | $8.3M | ||
| Q1 25 | $10.2M | $14.5M | ||
| Q4 24 | — | $28.8M | ||
| Q3 24 | $8.4M | $8.3M | ||
| Q2 24 | $7.1M | $6.6M |
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
| Q1 26 | — | 22.5% | ||
| Q4 25 | 31.8% | 19.9% | ||
| Q3 25 | 35.4% | 14.4% | ||
| Q2 25 | 31.1% | 17.6% | ||
| Q1 25 | 29.4% | 27.1% | ||
| Q4 24 | 28.2% | 19.3% | ||
| Q3 24 | 25.2% | 20.0% | ||
| Q2 24 | 21.2% | 12.5% |
| Q1 26 | 31.7% | 17.5% | ||
| Q4 25 | — | 69.2% | ||
| Q3 25 | 28.9% | 11.4% | ||
| Q2 25 | 26.6% | 13.9% | ||
| Q1 25 | 25.0% | 22.9% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | 21.3% | 14.7% | ||
| Q2 24 | 18.5% | 10.8% |
| Q1 26 | $0.72 | $0.39 | ||
| Q4 25 | $0.59 | $1.13 | ||
| Q3 25 | $0.68 | $0.17 | ||
| Q2 25 | $0.71 | $0.21 | ||
| Q1 25 | $0.66 | $0.37 | ||
| Q4 24 | $0.62 | $0.73 | ||
| Q3 24 | $0.53 | $0.21 | ||
| Q2 24 | $0.45 | $0.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $49.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $272.0M |
| Total Assets | $4.3B | $383.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $49.8M | ||
| Q4 25 | — | $70.5M | ||
| Q3 25 | — | $85.6M | ||
| Q2 25 | — | $92.9M | ||
| Q1 25 | — | $105.2M | ||
| Q4 24 | — | $83.2M | ||
| Q3 24 | — | $77.5M | ||
| Q2 24 | — | $63.8M |
| Q1 26 | $553.9M | $272.0M | ||
| Q4 25 | $543.5M | $271.8M | ||
| Q3 25 | $499.0M | $238.3M | ||
| Q2 25 | $404.1M | $242.5M | ||
| Q1 25 | $397.4M | $231.1M | ||
| Q4 24 | $388.5M | $212.5M | ||
| Q3 24 | $394.4M | $194.6M | ||
| Q2 24 | $373.8M | $178.6M |
| Q1 26 | $4.3B | $383.1M | ||
| Q4 25 | $4.3B | $397.7M | ||
| Q3 25 | $4.1B | $343.5M | ||
| Q2 25 | $4.2B | $357.1M | ||
| Q1 25 | $4.1B | $333.8M | ||
| Q4 24 | $4.1B | $338.7M | ||
| Q3 24 | $4.1B | $289.3M | ||
| Q2 24 | $4.0B | $286.9M |
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 | — | $28.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 2.44× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $28.2M | ||
| Q4 25 | $43.3M | $12.6M | ||
| Q3 25 | $19.0M | $11.3M | ||
| Q2 25 | $11.1M | $6.2M | ||
| Q1 25 | $3.6M | $29.4M | ||
| Q4 24 | $48.2M | $12.4M | ||
| Q3 24 | $12.9M | $14.0M | ||
| Q2 24 | $12.2M | $2.3M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $9.6M | ||
| Q3 25 | — | $8.8M | ||
| Q2 25 | — | $4.4M | ||
| Q1 25 | $3.5M | $27.7M | ||
| Q4 24 | $44.1M | $10.5M | ||
| Q3 24 | — | $12.0M | ||
| Q2 24 | — | $26.0K |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 15.3% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | 8.5% | 43.8% | ||
| Q4 24 | 109.1% | 17.1% | ||
| Q3 24 | — | 21.4% | ||
| Q2 24 | — | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 4.7% | ||
| Q3 25 | — | 4.4% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | 0.4% | 2.6% | ||
| Q4 24 | 10.4% | 3.2% | ||
| Q3 24 | — | 3.5% | ||
| Q2 24 | — | 3.7% |
| Q1 26 | — | 2.44× | ||
| Q4 25 | — | 0.29× | ||
| Q3 25 | 1.49× | 1.74× | ||
| Q2 25 | 1.01× | 0.75× | ||
| Q1 25 | 0.36× | 2.02× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | 1.54× | 1.69× | ||
| Q2 24 | 1.73× | 0.35× |
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% |
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
