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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and SolarMax Technology, Inc. (SMXT). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $46.6M, roughly 1.0× SolarMax Technology, Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -1.9%, a 33.6% gap on every dollar of revenue.
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.
SolarMax Technology, Inc. develops, manufactures and sells high-efficiency solar PV modules and clean energy systems. It serves residential, commercial and industrial clients in North America and key Asia-Pacific markets, offering installation and after-sales support to boost low-carbon energy use.
CIVB vs SMXT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $46.6M |
| Net Profit | $15.0M | $-872.2K |
| Gross Margin | — | 2.7% |
| Operating Margin | — | -2.7% |
| Net Margin | 31.7% | -1.9% |
| Revenue YoY | — | 623.5% |
| Net Profit YoY | 47.4% | 77.7% |
| 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 | $46.6M | ||
| Q3 25 | $44.2M | $30.6M | ||
| Q2 25 | $41.4M | $6.9M | ||
| Q1 25 | $40.6M | $6.9M | ||
| Q4 24 | $40.4M | $6.4M | ||
| Q3 24 | $39.3M | $6.3M | ||
| Q2 24 | $38.1M | — |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-872.2K | ||
| Q3 25 | $12.8M | $-2.3M | ||
| Q2 25 | $11.0M | $-1.9M | ||
| Q1 25 | $10.2M | $-1.3M | ||
| Q4 24 | — | $-3.9M | ||
| Q3 24 | $8.4M | $-9.6M | ||
| Q2 24 | $7.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.5% | ||
| Q4 24 | — | 14.5% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -2.7% | ||
| Q3 25 | 35.4% | -6.9% | ||
| Q2 25 | 31.1% | -25.7% | ||
| Q1 25 | 29.4% | -16.7% | ||
| Q4 24 | 28.2% | -27.9% | ||
| Q3 24 | 25.2% | -158.4% | ||
| Q2 24 | 21.2% | — |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -1.9% | ||
| Q3 25 | 28.9% | -7.4% | ||
| Q2 25 | 26.6% | -27.6% | ||
| Q1 25 | 25.0% | -18.7% | ||
| Q4 24 | — | -60.6% | ||
| Q3 24 | 21.3% | -152.0% | ||
| Q2 24 | 18.5% | — |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.02 | ||
| Q3 25 | $0.68 | $-0.04 | ||
| Q2 25 | $0.71 | $-0.04 | ||
| Q1 25 | $0.66 | $-0.03 | ||
| Q4 24 | $0.62 | $-0.07 | ||
| Q3 24 | $0.53 | $-0.21 | ||
| 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 | — | $8.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $-12.2M |
| Total Assets | $4.3B | $91.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $8.0M | ||
| Q3 25 | — | $5.7M | ||
| Q2 25 | — | $1.9M | ||
| Q1 25 | — | $6.8M | ||
| Q4 24 | — | $7.1M | ||
| Q3 24 | — | $8.6M | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $-12.2M | ||
| Q3 25 | $499.0M | $-11.8M | ||
| Q2 25 | $404.1M | $-15.1M | ||
| Q1 25 | $397.4M | $-15.9M | ||
| Q4 24 | $388.5M | $-15.1M | ||
| Q3 24 | $394.4M | $-10.9M | ||
| Q2 24 | $373.8M | — |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $91.3M | ||
| Q3 25 | $4.1B | $58.7M | ||
| Q2 25 | $4.2B | $38.2M | ||
| Q1 25 | $4.1B | $38.6M | ||
| Q4 24 | $4.1B | $38.6M | ||
| Q3 24 | $4.1B | $43.0M | ||
| Q2 24 | $4.0B | — |
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 | — | $-2.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-2.5M | ||
| Q3 25 | $19.0M | $3.4M | ||
| Q2 25 | $11.1M | $220.7K | ||
| Q1 25 | $3.6M | $-601.1K | ||
| Q4 24 | $48.2M | $-1.3M | ||
| Q3 24 | $12.9M | $203.6K | ||
| Q2 24 | $12.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | — | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | — | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 10.4% | — | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | — |
| 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% |
SMXT
| Yabucoa | $35.9M | 77% |
| Other | $10.7M | 23% |
