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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and System1, Inc. (SST). Click either name above to swap in a different company.
System1, Inc. is the larger business by last-quarter revenue ($51.9M vs $47.3M, roughly 1.1× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -26.0%, a 57.7% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs -21.8%).
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.
System1 is an American Internet advertising company. Formerly known as OpenMail, it was founded in 2013. It describes itself as operating a "Responsive Acquisition Marketing Platform", and cites privacy as one of its principal foci, although it has been criticized for its influence on privacy-focused properties, including search engine Startpage.com. It is headquartered in Marina del Rey, California.
CIVB vs SST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $51.9M |
| Net Profit | $15.0M | $-13.5M |
| Gross Margin | — | 41.0% |
| Operating Margin | — | -33.6% |
| Net Margin | 31.7% | -26.0% |
| Revenue YoY | — | -31.3% |
| Net Profit YoY | 47.4% | 4.8% |
| EPS (diluted) | $0.72 | $-3.58 |
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 | $51.9M | ||
| Q3 25 | $44.2M | $61.6M | ||
| Q2 25 | $41.4M | $78.1M | ||
| Q1 25 | $40.6M | $74.5M | ||
| Q4 24 | $40.4M | $75.6M | ||
| Q3 24 | $39.3M | $88.8M | ||
| Q2 24 | $38.1M | $94.6M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-13.5M | ||
| Q3 25 | $12.8M | $-18.5M | ||
| Q2 25 | $11.0M | $-17.5M | ||
| Q1 25 | $10.2M | $-15.9M | ||
| Q4 24 | — | $-14.2M | ||
| Q3 24 | $8.4M | $-23.6M | ||
| Q2 24 | $7.1M | $-26.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 36.9% | ||
| Q2 25 | — | 35.7% | ||
| Q1 25 | — | 38.2% | ||
| Q4 24 | — | 42.1% | ||
| Q3 24 | — | 28.0% | ||
| Q2 24 | — | 27.6% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -33.6% | ||
| Q3 25 | 35.4% | -25.3% | ||
| Q2 25 | 31.1% | -20.4% | ||
| Q1 25 | 29.4% | -17.6% | ||
| Q4 24 | 28.2% | -15.7% | ||
| Q3 24 | 25.2% | -24.6% | ||
| Q2 24 | 21.2% | -30.8% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -26.0% | ||
| Q3 25 | 28.9% | -30.1% | ||
| Q2 25 | 26.6% | -22.4% | ||
| Q1 25 | 25.0% | -21.3% | ||
| Q4 24 | — | -18.7% | ||
| Q3 24 | 21.3% | -26.6% | ||
| Q2 24 | 18.5% | -27.9% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-3.58 | ||
| Q3 25 | $0.68 | $-2.30 | ||
| Q2 25 | $0.71 | $-2.23 | ||
| Q1 25 | $0.66 | $-0.21 | ||
| Q4 24 | $0.62 | $-3.41 | ||
| Q3 24 | $0.53 | $-3.37 | ||
| Q2 24 | $0.45 | $-3.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $86.9M |
| Total DebtLower is stronger | — | $305.1M |
| Stockholders' EquityBook value | $553.9M | $30.5M |
| Total Assets | $4.3B | $405.0M |
| Debt / EquityLower = less leverage | — | 10.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $86.9M | ||
| Q3 25 | — | $54.6M | ||
| Q2 25 | — | $63.6M | ||
| Q1 25 | — | $43.9M | ||
| Q4 24 | — | $63.6M | ||
| Q3 24 | — | $69.1M | ||
| Q2 24 | — | $75.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | $305.1M | ||
| Q3 25 | — | $259.2M | ||
| Q2 25 | — | $263.3M | ||
| Q1 25 | — | $267.4M | ||
| Q4 24 | — | $255.1M | ||
| Q3 24 | — | $259.2M | ||
| Q2 24 | — | $263.3M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $30.5M | ||
| Q3 25 | $499.0M | $42.7M | ||
| Q2 25 | $404.1M | $58.2M | ||
| Q1 25 | $397.4M | $67.2M | ||
| Q4 24 | $388.5M | $80.3M | ||
| Q3 24 | $394.4M | $90.3M | ||
| Q2 24 | $373.8M | $109.4M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $405.0M | ||
| Q3 25 | $4.1B | $385.2M | ||
| Q2 25 | $4.2B | $429.2M | ||
| Q1 25 | $4.1B | $419.2M | ||
| Q4 24 | $4.1B | $459.1M | ||
| Q3 24 | $4.1B | $479.3M | ||
| Q2 24 | $4.0B | $511.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 10.01× | ||
| Q3 25 | — | 6.07× | ||
| Q2 25 | — | 4.53× | ||
| Q1 25 | — | 3.98× | ||
| Q4 24 | — | 3.18× | ||
| Q3 24 | — | 2.87× | ||
| Q2 24 | — | 2.41× |
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 | — | $-10.6M |
| 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 | $-10.6M | ||
| Q3 25 | $19.0M | $-2.1M | ||
| Q2 25 | $11.1M | $24.5M | ||
| Q1 25 | $3.6M | $-15.9M | ||
| Q4 24 | $48.2M | $772.0K | ||
| Q3 24 | $12.9M | $-5.0K | ||
| Q2 24 | $12.2M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.5M | $-16.0M | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | $-36.0K | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 8.5% | -21.5% | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | -0.0% | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 10.4% | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% |
| 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% |
SST
Segment breakdown not available.
