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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and ARS Pharmaceuticals, Inc. (SPRY). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $28.1M, roughly 1.7× ARS Pharmaceuticals, Inc.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -147.1%, a 178.8% 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.
ARS Pharmaceuticals, Inc. is a late-stage biopharmaceutical firm specializing in the development and commercialization of novel therapies for severe allergic reactions, most notably needle-free epinephrine delivery solutions for anaphylaxis. It primarily operates in the North American market, catering to both pediatric and adult patient groups at risk of life-threatening allergic responses.
CIVB vs SPRY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $28.1M |
| Net Profit | $15.0M | $-41.3M |
| Gross Margin | — | — |
| Operating Margin | — | -147.6% |
| Net Margin | 31.7% | -147.1% |
| Revenue YoY | — | -67.6% |
| Net Profit YoY | 47.4% | -182.8% |
| EPS (diluted) | $0.72 | $-0.41 |
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 | $28.1M | ||
| Q3 25 | $44.2M | $32.5M | ||
| Q2 25 | $41.4M | $15.7M | ||
| Q1 25 | $40.6M | $8.0M | ||
| Q4 24 | $40.4M | $86.6M | ||
| Q3 24 | $39.3M | $2.1M | ||
| Q2 24 | $38.1M | $500.0K |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-41.3M | ||
| Q3 25 | $12.8M | $-51.2M | ||
| Q2 25 | $11.0M | $-44.9M | ||
| Q1 25 | $10.2M | $-33.9M | ||
| Q4 24 | — | $49.9M | ||
| Q3 24 | $8.4M | $-19.1M | ||
| Q2 24 | $7.1M | $-12.5M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -147.6% | ||
| Q3 25 | 35.4% | -163.7% | ||
| Q2 25 | 31.1% | -302.9% | ||
| Q1 25 | 29.4% | -466.3% | ||
| Q4 24 | 28.2% | 54.5% | ||
| Q3 24 | 25.2% | -1051.6% | ||
| Q2 24 | 21.2% | -3068.0% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -147.1% | ||
| Q3 25 | 28.9% | -157.4% | ||
| Q2 25 | 26.6% | -285.6% | ||
| Q1 25 | 25.0% | -425.7% | ||
| Q4 24 | — | 57.7% | ||
| Q3 24 | 21.3% | -925.0% | ||
| Q2 24 | 18.5% | -2503.2% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-0.41 | ||
| Q3 25 | $0.68 | $-0.52 | ||
| Q2 25 | $0.71 | $-0.46 | ||
| Q1 25 | $0.66 | $-0.35 | ||
| Q4 24 | $0.62 | $0.52 | ||
| Q3 24 | $0.53 | $-0.20 | ||
| Q2 24 | $0.45 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $245.0M |
| Total DebtLower is stronger | — | $96.4M |
| Stockholders' EquityBook value | $553.9M | $114.3M |
| Total Assets | $4.3B | $327.7M |
| Debt / EquityLower = less leverage | — | 0.84× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $245.0M | ||
| Q3 25 | — | $288.2M | ||
| Q2 25 | — | $240.1M | ||
| Q1 25 | — | $275.7M | ||
| Q4 24 | — | $314.0M | ||
| Q3 24 | — | $204.6M | ||
| Q2 24 | — | $218.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $96.2M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $114.3M | ||
| Q3 25 | $499.0M | $147.7M | ||
| Q2 25 | $404.1M | $192.3M | ||
| Q1 25 | $397.4M | $229.0M | ||
| Q4 24 | $388.5M | $256.8M | ||
| Q3 24 | $394.4M | $201.0M | ||
| Q2 24 | $373.8M | $215.2M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $327.7M | ||
| Q3 25 | $4.1B | $372.8M | ||
| Q2 25 | $4.2B | $313.5M | ||
| Q1 25 | $4.1B | $327.3M | ||
| Q4 24 | $4.1B | $351.2M | ||
| Q3 24 | $4.1B | $217.6M | ||
| Q2 24 | $4.0B | $222.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.84× | ||
| Q3 25 | — | 0.65× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| 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 | — | $-43.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $-43.5M | ||
| Q3 25 | $19.0M | $-47.0M | ||
| Q2 25 | $11.1M | $-39.6M | ||
| Q1 25 | $3.6M | $-40.7M | ||
| Q4 24 | $48.2M | $42.0M | ||
| Q3 24 | $12.9M | $-14.5M | ||
| Q2 24 | $12.2M | $-7.3M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | $-47.2M | ||
| Q2 25 | — | $-39.6M | ||
| Q1 25 | $3.5M | $-40.8M | ||
| Q4 24 | $44.1M | $41.7M | ||
| Q3 24 | — | $-14.6M | ||
| Q2 24 | — | $-7.3M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | -145.4% | ||
| Q2 25 | — | -252.2% | ||
| Q1 25 | 8.5% | -512.1% | ||
| Q4 24 | 109.1% | 48.2% | ||
| Q3 24 | — | -706.3% | ||
| Q2 24 | — | -1463.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.0% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | 0.4% | 1.1% | ||
| Q4 24 | 10.4% | 0.3% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 7.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | 0.84× | ||
| 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% |
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
