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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and SBC Medical Group Holdings Inc (SBC). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $39.6M, roughly 1.2× SBC Medical Group Holdings Inc). SBC Medical Group Holdings Inc runs the higher net margin — 35.9% vs 31.7%, a 4.2% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -15.0%).
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.
SBC Medical Group Holdings Inc. is a leading Japan-headquartered healthcare provider primarily focused on aesthetic medicine, dermatology, and anti-aging wellness services. It operates an extensive network of clinics across Japan, catering to both domestic patients and international medical tourists, with core offerings including cosmetic surgery and non-invasive skincare treatments.
CIVB vs SBC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $39.6M |
| Net Profit | $15.0M | $14.2M |
| Gross Margin | — | 73.1% |
| Operating Margin | — | 32.5% |
| Net Margin | 31.7% | 35.9% |
| Revenue YoY | — | -10.9% |
| Net Profit YoY | 47.4% | 117.2% |
| EPS (diluted) | $0.72 | $0.15 |
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 | $39.6M | ||
| Q3 25 | $44.2M | $43.4M | ||
| Q2 25 | $41.4M | $43.4M | ||
| Q1 25 | $40.6M | $47.3M | ||
| Q4 24 | $40.4M | $44.4M | ||
| Q3 24 | $39.3M | $53.1M | ||
| Q2 24 | $38.1M | $53.1M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $14.2M | ||
| Q3 25 | $12.8M | $12.8M | ||
| Q2 25 | $11.0M | $2.5M | ||
| Q1 25 | $10.2M | $21.5M | ||
| Q4 24 | — | $6.5M | ||
| Q3 24 | $8.4M | $2.8M | ||
| Q2 24 | $7.1M | $18.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 32.5% | ||
| Q3 25 | 35.4% | 36.6% | ||
| Q2 25 | 31.1% | 33.6% | ||
| Q1 25 | 29.4% | 51.1% | ||
| Q4 24 | 28.2% | 10.6% | ||
| Q3 24 | 25.2% | 26.1% | ||
| Q2 24 | 21.2% | 51.4% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 35.9% | ||
| Q3 25 | 28.9% | 29.6% | ||
| Q2 25 | 26.6% | 5.7% | ||
| Q1 25 | 25.0% | 45.4% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | 21.3% | 5.3% | ||
| Q2 24 | 18.5% | 34.8% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.15 | ||
| Q3 25 | $0.68 | $0.12 | ||
| Q2 25 | $0.71 | $0.02 | ||
| Q1 25 | $0.66 | $0.21 | ||
| Q4 24 | $0.62 | $0.05 | ||
| Q3 24 | $0.53 | $0.03 | ||
| Q2 24 | $0.45 | $0.20 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $164.1M |
| Total DebtLower is stronger | — | $42.8M |
| Stockholders' EquityBook value | $553.9M | $248.3M |
| Total Assets | $4.3B | $380.4M |
| Debt / EquityLower = less leverage | — | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $164.1M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $152.7M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $137.4M | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $42.8M | ||
| Q3 25 | — | $21.1M | ||
| Q2 25 | — | $7.1M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $6.6M | ||
| Q3 24 | — | $823.2K | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $248.3M | ||
| Q3 25 | $499.0M | $248.0M | ||
| Q2 25 | $404.1M | $244.6M | ||
| Q1 25 | $397.4M | $226.4M | ||
| Q4 24 | $388.5M | $195.1M | ||
| Q3 24 | $394.4M | $205.0M | ||
| Q2 24 | $373.8M | $8.8M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $380.4M | ||
| Q3 25 | $4.1B | $321.4M | ||
| Q2 25 | $4.2B | $315.3M | ||
| Q1 25 | $4.1B | $284.6M | ||
| Q4 24 | $4.1B | $266.1M | ||
| Q3 24 | $4.1B | $296.5M | ||
| Q2 24 | $4.0B | $19.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.09× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.00× | ||
| 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 | — | $52.0M |
| Free Cash FlowOCF − Capex | — | $51.2M |
| FCF MarginFCF / Revenue | — | 129.3% |
| Capex IntensityCapex / Revenue | — | 2.0% |
| Cash ConversionOCF / Net Profit | — | 3.66× |
| TTM Free Cash FlowTrailing 4 quarters | — | $23.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $52.0M | ||
| Q3 25 | $19.0M | $-20.9M | ||
| Q2 25 | $11.1M | $-8.3M | ||
| Q1 25 | $3.6M | $1.9M | ||
| Q4 24 | $48.2M | $-7.3M | ||
| Q3 24 | $12.9M | $5.0M | ||
| Q2 24 | $12.2M | $19.2M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $51.2M | ||
| Q3 25 | — | $-20.9M | ||
| Q2 25 | — | $-8.6M | ||
| Q1 25 | $3.5M | $1.7M | ||
| Q4 24 | $44.1M | $-7.9M | ||
| Q3 24 | — | $4.6M | ||
| Q2 24 | — | $18.3M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 129.3% | ||
| Q3 25 | — | -48.3% | ||
| Q2 25 | — | -19.9% | ||
| Q1 25 | 8.5% | 3.5% | ||
| Q4 24 | 109.1% | -17.8% | ||
| Q3 24 | — | 8.7% | ||
| Q2 24 | — | 34.5% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 2.0% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | 0.4% | 0.5% | ||
| Q4 24 | 10.4% | 1.3% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 1.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.66× | ||
| Q3 25 | 1.49× | -1.63× | ||
| Q2 25 | 1.01× | -3.39× | ||
| Q1 25 | 0.36× | 0.09× | ||
| Q4 24 | — | -1.12× | ||
| Q3 24 | 1.54× | 1.77× | ||
| Q2 24 | 1.73× | 1.04× |
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% |
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
