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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $36.5M, roughly 1.3× SmartRent, Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -8.9%, a 40.6% 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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
CIVB vs SMRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $36.5M |
| Net Profit | $15.0M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | — | -10.9% |
| Net Margin | 31.7% | -8.9% |
| Revenue YoY | — | 3.1% |
| Net Profit YoY | 47.4% | 71.6% |
| EPS (diluted) | $0.72 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $44.2M | $36.2M | ||
| Q2 25 | $41.4M | $38.3M | ||
| Q1 25 | $40.6M | $41.3M | ||
| Q4 24 | $40.4M | $35.4M | ||
| Q3 24 | $39.3M | $40.5M | ||
| Q2 24 | $38.1M | $48.5M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-3.2M | ||
| Q3 25 | $12.8M | $-6.3M | ||
| Q2 25 | $11.0M | $-10.9M | ||
| Q1 25 | $10.2M | $-40.2M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | $8.4M | $-9.9M | ||
| Q2 24 | $7.1M | $-4.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -10.9% | ||
| Q3 25 | 35.4% | -19.4% | ||
| Q2 25 | 31.1% | -30.5% | ||
| Q1 25 | 29.4% | -99.9% | ||
| Q4 24 | 28.2% | -36.6% | ||
| Q3 24 | 25.2% | -29.0% | ||
| Q2 24 | 21.2% | -14.3% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -8.9% | ||
| Q3 25 | 28.9% | -17.3% | ||
| Q2 25 | 26.6% | -28.3% | ||
| Q1 25 | 25.0% | -97.2% | ||
| Q4 24 | — | -32.3% | ||
| Q3 24 | 21.3% | -24.5% | ||
| Q2 24 | 18.5% | -9.5% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.02 | ||
| Q3 25 | $0.68 | $-0.03 | ||
| Q2 25 | $0.71 | $-0.06 | ||
| Q1 25 | $0.66 | $-0.21 | ||
| Q4 24 | $0.62 | $-0.06 | ||
| Q3 24 | $0.53 | $-0.05 | ||
| Q2 24 | $0.45 | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $232.1M |
| Total Assets | $4.3B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $232.1M | ||
| Q3 25 | $499.0M | $234.4M | ||
| Q2 25 | $404.1M | $238.8M | ||
| Q1 25 | $397.4M | $250.7M | ||
| Q4 24 | $388.5M | $289.4M | ||
| Q3 24 | $394.4M | $305.1M | ||
| Q2 24 | $373.8M | $329.4M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $320.9M | ||
| Q3 25 | $4.1B | $335.8M | ||
| Q2 25 | $4.2B | $354.0M | ||
| Q1 25 | $4.1B | $366.1M | ||
| Q4 24 | $4.1B | $420.2M | ||
| Q3 24 | $4.1B | $448.6M | ||
| Q2 24 | $4.0B | $475.3M |
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 | — | $7.7M |
| Free Cash FlowOCF − Capex | — | $7.7M |
| FCF MarginFCF / Revenue | — | 21.0% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $7.7M | ||
| Q3 25 | $19.0M | $-2.1M | ||
| Q2 25 | $11.1M | $-14.9M | ||
| Q1 25 | $3.6M | $-12.2M | ||
| Q4 24 | $48.2M | $-12.0M | ||
| Q3 24 | $12.9M | $-3.7M | ||
| Q2 24 | $12.2M | $-13.9M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $7.7M | ||
| Q3 25 | — | $-2.2M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | $3.5M | $-14.3M | ||
| Q4 24 | $44.1M | $-13.3M | ||
| Q3 24 | — | $-3.9M | ||
| Q2 24 | — | $-14.1M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 21.0% | ||
| Q3 25 | — | -6.1% | ||
| Q2 25 | — | -42.3% | ||
| Q1 25 | 8.5% | -34.7% | ||
| Q4 24 | 109.1% | -37.5% | ||
| Q3 24 | — | -9.7% | ||
| Q2 24 | — | -29.1% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.0% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | 0.4% | 5.3% | ||
| Q4 24 | 10.4% | 3.5% | ||
| Q3 24 | — | 0.6% | ||
| 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% |
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
