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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Twin Hospitality Group Inc. (TWNP). Click either name above to swap in a different company.
Twin Hospitality Group Inc. is the larger business by last-quarter revenue ($82.3M vs $47.3M, roughly 1.7× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs -29.7%, a 61.5% 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.
Target Hospitality is a company that provides workforce lodging and other temporary, modular housing used for oil, gas and mining operations; large-scale events; and disaster relief. Target Hospitality is based in The Woodlands, Texas, and also has offices in Williston, North Dakota; Denver, Colorado; Calgary, Alberta.
CIVB vs TWNP — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $82.3M |
| Net Profit | $15.0M | $-24.5M |
| Gross Margin | — | — |
| Operating Margin | — | -16.2% |
| Net Margin | 31.7% | -29.7% |
| Revenue YoY | — | — |
| Net Profit YoY | 47.4% | — |
| EPS (diluted) | $0.72 | $-0.43 |
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 | — | ||
| Q3 25 | $44.2M | $82.3M | ||
| Q2 25 | $41.4M | $87.8M | ||
| Q1 25 | $40.6M | $87.1M | ||
| Q4 24 | $40.4M | — | ||
| Q3 24 | $39.3M | — | ||
| Q2 24 | $38.1M | — |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $12.8M | $-24.5M | ||
| Q2 25 | $11.0M | $-20.8M | ||
| Q1 25 | $10.2M | $-12.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $7.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 35.4% | -16.2% | ||
| Q2 25 | 31.1% | -13.2% | ||
| Q1 25 | 29.4% | -1.2% | ||
| Q4 24 | 28.2% | — | ||
| Q3 24 | 25.2% | — | ||
| Q2 24 | 21.2% | — |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 28.9% | -29.7% | ||
| Q2 25 | 26.6% | -23.7% | ||
| Q1 25 | 25.0% | -13.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | 21.3% | — | ||
| Q2 24 | 18.5% | — |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | $-0.43 | ||
| Q2 25 | $0.71 | $-0.38 | ||
| Q1 25 | $0.66 | $-0.26 | ||
| Q4 24 | $0.62 | — | ||
| Q3 24 | $0.53 | — | ||
| 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 | — | — |
| Total DebtLower is stronger | — | $402.8M |
| Stockholders' EquityBook value | $553.9M | $-92.1M |
| Total Assets | $4.3B | $516.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $402.8M | ||
| Q2 25 | — | $411.3M | ||
| Q1 25 | — | $413.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | — | ||
| Q3 25 | $499.0M | $-92.1M | ||
| Q2 25 | $404.1M | $-78.6M | ||
| Q1 25 | $397.4M | $-101.9M | ||
| Q4 24 | $388.5M | — | ||
| Q3 24 | $394.4M | — | ||
| Q2 24 | $373.8M | — |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | — | ||
| Q3 25 | $4.1B | $516.8M | ||
| Q2 25 | $4.2B | $535.1M | ||
| Q1 25 | $4.1B | $544.2M | ||
| Q4 24 | $4.1B | — | ||
| Q3 24 | $4.1B | — | ||
| 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 | — | $-5.9M |
| Free Cash FlowOCF − Capex | — | $-7.4M |
| FCF MarginFCF / Revenue | — | -9.0% |
| Capex IntensityCapex / Revenue | — | 1.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | — | ||
| Q3 25 | $19.0M | $-5.9M | ||
| Q2 25 | $11.1M | $-8.8M | ||
| Q1 25 | $3.6M | $-5.7M | ||
| Q4 24 | $48.2M | — | ||
| Q3 24 | $12.9M | — | ||
| Q2 24 | $12.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | $-7.4M | ||
| Q2 25 | — | $-10.6M | ||
| Q1 25 | $3.5M | $-9.7M | ||
| Q4 24 | $44.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | -9.0% | ||
| Q2 25 | — | -12.1% | ||
| Q1 25 | 8.5% | -11.2% | ||
| Q4 24 | 109.1% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | 0.4% | 4.6% | ||
| Q4 24 | 10.4% | — | ||
| Q3 24 | — | — | ||
| 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% |
TWNP
Segment breakdown not available.
