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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and STEM, INC. (STEM). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $47.1M, roughly 1.0× STEM, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -33.9%, a 65.6% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 11.3%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
CIVB vs STEM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $47.1M |
| Net Profit | $15.0M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | — | -17.7% |
| Net Margin | 31.7% | -33.9% |
| Revenue YoY | — | -15.6% |
| Net Profit YoY | 47.4% | 68.8% |
| EPS (diluted) | $0.72 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $44.2M | $38.2M | ||
| Q2 25 | $41.4M | $38.4M | ||
| Q1 25 | $40.6M | $32.5M | ||
| Q4 24 | $40.4M | $55.8M | ||
| Q3 24 | $39.3M | $29.3M | ||
| Q2 24 | $38.1M | $34.0M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $12.8M | $-23.8M | ||
| Q2 25 | $11.0M | $202.5M | ||
| Q1 25 | $10.2M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $8.4M | $-148.3M | ||
| Q2 24 | $7.1M | $-582.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -17.7% | ||
| Q3 25 | 35.4% | -33.6% | ||
| Q2 25 | 31.1% | -34.8% | ||
| Q1 25 | 29.4% | -65.0% | ||
| Q4 24 | 28.2% | -84.4% | ||
| Q3 24 | 25.2% | -493.2% | ||
| Q2 24 | 21.2% | -1705.5% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -33.9% | ||
| Q3 25 | 28.9% | -62.2% | ||
| Q2 25 | 26.6% | 527.8% | ||
| Q1 25 | 25.0% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 21.3% | -506.3% | ||
| Q2 24 | 18.5% | -1712.6% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-4.40 | ||
| Q3 25 | $0.68 | $-2.84 | ||
| Q2 25 | $0.71 | $-1.79 | ||
| Q1 25 | $0.66 | $-0.15 | ||
| Q4 24 | $0.62 | $-15.29 | ||
| Q3 24 | $0.53 | $-18.24 | ||
| Q2 24 | $0.45 | $-71.81 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $-249.4M |
| Total Assets | $4.3B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $-249.4M | ||
| Q3 25 | $499.0M | $-235.7M | ||
| Q2 25 | $404.1M | $-214.1M | ||
| Q1 25 | $397.4M | $-417.5M | ||
| Q4 24 | $388.5M | $-398.4M | ||
| Q3 24 | $394.4M | $-344.1M | ||
| Q2 24 | $373.8M | $-203.2M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $308.9M | ||
| Q3 25 | $4.1B | $362.6M | ||
| Q2 25 | $4.2B | $379.2M | ||
| Q1 25 | $4.1B | $405.1M | ||
| Q4 24 | $4.1B | $437.4M | ||
| Q3 24 | $4.1B | $537.8M | ||
| Q2 24 | $4.0B | $691.5M |
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 | — | $8.2M |
| 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 | $8.2M | ||
| Q3 25 | $19.0M | $11.4M | ||
| Q2 25 | $11.1M | $-21.3M | ||
| Q1 25 | $3.6M | $8.5M | ||
| Q4 24 | $48.2M | $-14.7M | ||
| Q3 24 | $12.9M | $-9.4M | ||
| Q2 24 | $12.2M | $-11.9M |
| 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 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | -0.11× | ||
| 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% |
STEM
Segment breakdown not available.
