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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $47.3M, roughly 1.7× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -178.3%, a 210.0% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
CIVB vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $78.6M |
| Net Profit | $15.0M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 31.7% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | 47.4% | -3304.1% |
| EPS (diluted) | $0.72 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $44.2M | $77.7M | ||
| Q2 25 | $41.4M | $75.6M | ||
| Q1 25 | $40.6M | $77.3M | ||
| Q4 24 | $40.4M | $78.3M | ||
| Q3 24 | $39.3M | $79.1M | ||
| Q2 24 | $38.1M | $74.9M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $12.8M | $-6.4M | ||
| Q2 25 | $11.0M | $-102.3M | ||
| Q1 25 | $10.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $8.4M | $3.2M | ||
| Q2 24 | $7.1M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -182.2% | ||
| Q3 25 | 35.4% | -3.9% | ||
| Q2 25 | 31.1% | -138.7% | ||
| Q1 25 | 29.4% | -4.7% | ||
| Q4 24 | 28.2% | -1.5% | ||
| Q3 24 | 25.2% | -0.9% | ||
| Q2 24 | 21.2% | -4.6% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 28.9% | -8.3% | ||
| Q2 25 | 26.6% | -135.2% | ||
| Q1 25 | 25.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 21.3% | 4.1% | ||
| Q2 24 | 18.5% | -5.4% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-1.68 | ||
| Q3 25 | $0.68 | $-0.08 | ||
| Q2 25 | $0.71 | $-1.15 | ||
| Q1 25 | $0.66 | $-0.09 | ||
| Q4 24 | $0.62 | $-0.04 | ||
| Q3 24 | $0.53 | $0.03 | ||
| Q2 24 | $0.45 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $553.9M | $484.4M |
| Total Assets | $4.3B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $484.4M | ||
| Q3 25 | $499.0M | $616.9M | ||
| Q2 25 | $404.1M | $633.7M | ||
| Q1 25 | $397.4M | $755.7M | ||
| Q4 24 | $388.5M | $761.3M | ||
| Q3 24 | $394.4M | $754.7M | ||
| Q2 24 | $373.8M | $815.4M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $1.2B | ||
| Q3 25 | $4.1B | $1.3B | ||
| Q2 25 | $4.2B | $1.4B | ||
| Q1 25 | $4.1B | $1.5B | ||
| Q4 24 | $4.1B | $1.6B | ||
| Q3 24 | $4.1B | $1.6B | ||
| Q2 24 | $4.0B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $23.3M | ||
| Q3 25 | $19.0M | $32.2M | ||
| Q2 25 | $11.1M | $33.1M | ||
| Q1 25 | $3.6M | $2.5M | ||
| Q4 24 | $48.2M | $34.3M | ||
| Q3 24 | $12.9M | $60.1M | ||
| Q2 24 | $12.2M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | $3.5M | $2.4M | ||
| Q4 24 | $44.1M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | 8.5% | 3.0% | ||
| Q4 24 | 109.1% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 10.4% | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
