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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and RE/MAX Holdings, Inc. (RMAX). Click either name above to swap in a different company.
RE/MAX Holdings, Inc. is the larger business by last-quarter revenue ($71.1M vs $47.3M, roughly 1.5× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 2.0%, a 29.7% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
CIVB vs RMAX — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $71.1M |
| Net Profit | $15.0M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | — | 13.1% |
| Net Margin | 31.7% | 2.0% |
| Revenue YoY | — | -1.8% |
| Net Profit YoY | 47.4% | -75.2% |
| EPS (diluted) | $0.72 | — |
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 | $71.1M | ||
| Q3 25 | $44.2M | $73.2M | ||
| Q2 25 | $41.4M | $72.8M | ||
| Q1 25 | $40.6M | $74.5M | ||
| Q4 24 | $40.4M | $72.5M | ||
| Q3 24 | $39.3M | $78.5M | ||
| Q2 24 | $38.1M | $78.5M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $1.4M | ||
| Q3 25 | $12.8M | $4.0M | ||
| Q2 25 | $11.0M | $4.7M | ||
| Q1 25 | $10.2M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $8.4M | $966.0K | ||
| Q2 24 | $7.1M | $3.7M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 13.1% | ||
| Q3 25 | 35.4% | 25.0% | ||
| Q2 25 | 31.1% | 19.3% | ||
| Q1 25 | 29.4% | 7.2% | ||
| Q4 24 | 28.2% | 5.9% | ||
| Q3 24 | 25.2% | 19.4% | ||
| Q2 24 | 21.2% | 20.6% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | 28.9% | 5.4% | ||
| Q2 25 | 26.6% | 6.4% | ||
| Q1 25 | 25.0% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 21.3% | 1.2% | ||
| Q2 24 | 18.5% | 4.7% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | — | ||
| Q2 25 | $0.71 | — | ||
| Q1 25 | $0.66 | — | ||
| Q4 24 | $0.62 | — | ||
| Q3 24 | $0.53 | — | ||
| Q2 24 | $0.45 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $118.7M |
| Total DebtLower is stronger | — | $432.2M |
| Stockholders' EquityBook value | $553.9M | $452.4M |
| Total Assets | $4.3B | $582.5M |
| Debt / EquityLower = less leverage | — | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $452.4M | ||
| Q3 25 | $499.0M | $448.1M | ||
| Q2 25 | $404.1M | $442.4M | ||
| Q1 25 | $397.4M | $433.5M | ||
| Q4 24 | $388.5M | $429.5M | ||
| Q3 24 | $394.4M | $423.1M | ||
| Q2 24 | $373.8M | $418.4M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $582.5M | ||
| Q3 25 | $4.1B | $582.2M | ||
| Q2 25 | $4.2B | $574.8M | ||
| Q1 25 | $4.1B | $571.4M | ||
| Q4 24 | $4.1B | $581.6M | ||
| Q3 24 | $4.1B | $578.6M | ||
| Q2 24 | $4.0B | $571.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| Free Cash FlowOCF − Capex | — | $33.5M |
| FCF MarginFCF / Revenue | — | 47.1% |
| Capex IntensityCapex / Revenue | — | 10.4% |
| Cash ConversionOCF / Net Profit | — | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $40.9M | ||
| Q3 25 | $19.0M | $17.7M | ||
| Q2 25 | $11.1M | $4.6M | ||
| Q1 25 | $3.6M | $5.7M | ||
| Q4 24 | $48.2M | $59.7M | ||
| Q3 24 | $12.9M | $17.6M | ||
| Q2 24 | $12.2M | $15.9M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $33.5M | ||
| Q3 25 | — | $16.4M | ||
| Q2 25 | — | $2.9M | ||
| Q1 25 | $3.5M | $4.0M | ||
| Q4 24 | $44.1M | $53.0M | ||
| Q3 24 | — | $16.3M | ||
| Q2 24 | — | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 47.1% | ||
| Q3 25 | — | 22.4% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | 8.5% | 5.3% | ||
| Q4 24 | 109.1% | 73.2% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 17.8% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 10.4% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | 0.4% | 2.3% | ||
| Q4 24 | 10.4% | 9.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | 28.39× | ||
| Q3 25 | 1.49× | 4.45× | ||
| Q2 25 | 1.01× | 0.97× | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 1.54× | 18.22× | ||
| Q2 24 | 1.73× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
