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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
READING INTERNATIONAL INC is the larger business by last-quarter revenue ($50.3M vs $47.3M, roughly 1.1× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -5.1%, a 36.8% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs 5.6%).
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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
CIVB vs RDI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $50.3M |
| Net Profit | $15.0M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | — | -1.9% |
| Net Margin | 31.7% | -5.1% |
| Revenue YoY | — | -14.2% |
| Net Profit YoY | 47.4% | -14.5% |
| EPS (diluted) | $0.72 | $-0.11 |
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 | $50.3M | ||
| Q3 25 | $44.2M | $52.2M | ||
| Q2 25 | $41.4M | $60.4M | ||
| Q1 25 | $40.6M | $40.2M | ||
| Q4 24 | $40.4M | $58.6M | ||
| Q3 24 | $39.3M | $60.1M | ||
| Q2 24 | $38.1M | $46.8M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-2.6M | ||
| Q3 25 | $12.8M | $-4.2M | ||
| Q2 25 | $11.0M | $-2.7M | ||
| Q1 25 | $10.2M | $-4.8M | ||
| Q4 24 | — | $-2.2M | ||
| Q3 24 | $8.4M | $-7.0M | ||
| Q2 24 | $7.1M | $-12.8M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -1.9% | ||
| Q3 25 | 35.4% | -0.6% | ||
| Q2 25 | 31.1% | 4.8% | ||
| Q1 25 | 29.4% | -17.2% | ||
| Q4 24 | 28.2% | 2.6% | ||
| Q3 24 | 25.2% | -0.6% | ||
| Q2 24 | 21.2% | -16.4% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -5.1% | ||
| Q3 25 | 28.9% | -8.0% | ||
| Q2 25 | 26.6% | -4.4% | ||
| Q1 25 | 25.0% | -11.8% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 21.3% | -11.7% | ||
| Q2 24 | 18.5% | -27.4% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.11 | ||
| Q3 25 | $0.68 | $-0.18 | ||
| Q2 25 | $0.71 | $-0.12 | ||
| Q1 25 | $0.66 | $-0.21 | ||
| Q4 24 | $0.62 | $-0.11 | ||
| Q3 24 | $0.53 | $-0.31 | ||
| Q2 24 | $0.45 | $-0.57 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $553.9M | $-18.2M |
| Total Assets | $4.3B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $-18.2M | ||
| Q3 25 | $499.0M | $-12.1M | ||
| Q2 25 | $404.1M | $-7.7M | ||
| Q1 25 | $397.4M | $-8.1M | ||
| Q4 24 | $388.5M | $-4.4M | ||
| Q3 24 | $394.4M | $1.6M | ||
| Q2 24 | $373.8M | $6.5M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $434.9M | ||
| Q3 25 | $4.1B | $435.2M | ||
| Q2 25 | $4.2B | $438.1M | ||
| Q1 25 | $4.1B | $441.0M | ||
| Q4 24 | $4.1B | $471.0M | ||
| Q3 24 | $4.1B | $495.7M | ||
| Q2 24 | $4.0B | $494.9M |
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 | — | $4.3M |
| Free Cash FlowOCF − Capex | — | $4.1M |
| FCF MarginFCF / Revenue | — | 8.2% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $4.3M | ||
| Q3 25 | $19.0M | $295.0K | ||
| Q2 25 | $11.1M | $1.6M | ||
| Q1 25 | $3.6M | $-7.7M | ||
| Q4 24 | $48.2M | $8.0M | ||
| Q3 24 | $12.9M | $1.3M | ||
| Q2 24 | $12.2M | $-10.4M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $4.1M | ||
| Q3 25 | — | $-246.0K | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | $3.5M | $-8.0M | ||
| Q4 24 | $44.1M | $7.0M | ||
| Q3 24 | — | $-1.1M | ||
| Q2 24 | — | $-10.6M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 8.2% | ||
| Q3 25 | — | -0.5% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | 8.5% | -19.8% | ||
| Q4 24 | 109.1% | 12.0% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -22.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.3% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 10.4% | 1.7% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | — | ||
| 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% |
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
